WillisBack/dataset-financial-user-claim huggingface dataset:
I am a co-signer on a loan that is with Navient, formerly XXXX XXXX. When XXXX XXXX was in the picture, everything went very smoothly. When Navient took over is when all the trouble started. I have paid off many student loans in the past 20 years, never missed a payment and never had any problems. In XXXX I contacted Navient to get my payoff balance and the lady gave me my amount and said it would be good for 6 days. I immediately wrote my check for that amount and mailed it in. I track my accounts very closely so the amount I was given on the phone was what I was expecting. A week later, I got on line and checked my balance and to see if my check had processed. My check did process and was applied, but my balance was not XXXX, instead it was {$29000.00}. I immediately called them knowing this was just a clerical error and would be cleared up easily. I was told that it was my correct balance and that I now owed that much. Of course I was not going to leave this alone because I kept very accurate records. Very long story short, It is now XXXX, the problem is still not resolved. I have been passed back and forth between many of their departments with no clear answer as to why my balance is such. I 've been ignored when I try to press the issue and demand that someone research my account history. Once I was told that the change in my balance was done internally and I had no choice but to pay it. I challenged that statement and was passed back and forth between departments. The last contact I had with them was almost a year ago and I left a message for someone to call me back and I also sent an email to a contact I had there asking them to call me back. Til now I have not heard back. I am tired of trying to track someone down that will give me a real answer. Meanwhile, I know that I have paid this loan off.
Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. 

I contacted company and they could not tell me any information saying account was sold.
I have asked Transunion to please take several addresses off off my report and they still are not being compliant. I also have disputed inquiries that are to fall off as of this month and they are not being compliant on that either. I am trying to apply for a home and auto interest rate reduction and this is affecting my score bad.
During XXXX, I submitted a loan medication request via the HARP program to my mortgage services, Seterus Inc in order to prevent going into foreclosure. Seterus constantly sent me letters requesting the same information after I would fax the documents or mail for over XXXX months. During XXXX XXXX, I told Seterus to go XXXX because I could no longer play their document games, saying they never received my entire package. As a result of illness, car mechanical problems, and being out of work which caused decrease in my salary, I was unable to pay my mortgage from XXXX XXXX to XXXX XXXX. I sent Seterus during XXXX XXXX, a letter indicating I can start repaying my monthly mortgage : principal & interest by XXXX or XXXX XXXX after I completed paying off another debt. Since I pay my property taxes and home owners insurance, I also questioned in my why Seterus sent me a monthly statement saying I had an escrow shortage due to an outstanding property tax balance of {$67.00} for XXXX when I do not have any outstanding payments for taxes or insurance. I paid principal and interest to Seterus on XXXX XXXX and they accepted that payment. I sent them XXXX XXXX and they returned my payment. I called Seterus and told payment not accepted because they are foreclosing on my home. Ever since XXXX XXXX XXXX had stolen my escrow surplus for over {$3000.00} and transferred my mortgage loan to XXXX/Seterus, this company had given me XXXX and had been threatening me with foreclosure, constantly used to call my job leaving my social security number with other people at my job, and was charging me late fees for money they said I owed XXXX, but they could not assist me to get my escrow surplus from XXXX, and I would receive unknown fees I was not made aware of or late fees for months when I paid my mortgage prior to the grace period due date.
Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.
My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.
I have been a customer of LoanDepot for a year and havebeen making timely payments on the same date everymonth through my online banking. Although submittingpayments on time in the past three months and the moneygone out of my account, I was told by LoanDepot that mypayments were not being received. No troubleshooting orassistance was offered as to root cause of the issue and Iwas afraid of fraud, otherwise I could not explain why themoney was gone out of my account but not received. 
LoanDepot advised me to call my bank and the bank saidLoanDepot is not cashing the payments. I called LoanDepotand my bank a couple of times and no one was able to help. 
Finally I called the LoanDepot XXXX number listed in myonline banking. They said they are the XXXX XXXX officeand because I am on the East Coast I should call a differentXXXXXXXX number. I then noticed the PO BOX on mymonthly bills was no longer a XXXX XXXX address as I havebeen making payments to for the past 8-9 monthsbut a New Jersey address. The last transaction went through XX/XX/XXXX but the XX/XX/XXXX payment did not. I did not receiveany notification from LoanDepot that due to the PO BOXchange my payments will not go through as of XX/XX/XXXX. 
Why could n't they clarify this for me the first time I calledand let them know the money is gone out of my account? 
As a result my credit was affected and even though my bankprovided the Good Faith evidence of timely paymentsLoanDepot is not willing to rectify my credit reports. I showone late mortgage payment through no fault of my own. Mycredit dropped significantly. I need assistance working withthe lender to correct this error with the credit bureaus. 
I made all payments on time with proof from the bank and itis only right that my credit reflects that. Thank you.
Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid
I made an offer to a debt collector. They accepted my offer. 
I sent them a bank check by registered mail. I received the ticket that they had signed and received my payment. I went to the bank and got a photo copy of the cancelled check the debt collector had been paid by. The debt collector keeps calling me saying they have not been paid. They have been paid and I have written proof of it.
We have owned a rental home at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All monthly payments have been paid on time since we have owned it, several years. 
A XXXX Loan. Our payments are made to Seterus Loan number XXXX address : XXXX XXXX, XXXX, XXXX XXXX Tel. # XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The loan was modified through out chapter XXXX Bankruptcy a few years ago. Class XXXX XXXX Bankruptcy XXXX # XXXX. 
Seterus company are holding XXXX of our payments and not crediting it to the loan. They are adding interest and late payments even though all payments were made on time.
I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX    XXXX   {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to collect  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sect ion 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing th e dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the  credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Late in XXXX ( around XX/XX/XXXX ) I applied for the Citi DoubleCash card because it had a bonus of {$150.00} advertised on a {$500.00} spend. I received my card early in XXXX and over the next three months put well over {$500.00} spend on it. I waited for my bonus, but I did not receive any.

I called Citi to resolve the issue on XX/XX/XXXX, they said they didn't have any bonus on my account. I asked them to look into it, since I definitely remember that offer. They said they would, but they never reached back out to me. 

Attachment : the offer
In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through   XXXX   are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and   they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
For a while, I frequently received visa prepaid cards from XXXX XXXX XXXX ( XXXX, N.C. ) to refund overpayments due to overbilling. These cards were hard to activate and I was never successful for at least one. I contacted the medical office and they referred me to the issuing bank ( XXXX or b of a, I thank ). The bank was unable to help me in some cases. 

I assume these prepaid cards are used for the convenience of the healthcare system and that they likely expire at some point, generating revenue for the practice as well as the bank. These parties also benefit by forcing me to create some account to activate and check the balance in the cards. It is grossly unfair to put me through so much when I paid by check as billed. I should not have to activate these cards or I should be paid by check. 

The cards were issued to either XXXX XXXX or XXXX XXXX. Our middle initials are XXXX and XXXX, respectively. Its likely be 18 months or more since we had the flood of these cards.
On XXXX/XXXX/2015 I called Macy 's customer service line to report that as of this day I had not yet received my new Macy 's card. I was told by " XXXX '' that it takes 7 to 10 business days for the card to be received, which at this point was beyond the expected dates. XXXX proceeded to ask my home address to verify they had the correct address and she informed me that they did. She informed me she would have to report my card lost/stolen which is what I expected be done since I did not have the card in my possession. XXXX asked for my mothers maiden name and I provided that information thinking that I was asked that information when I initially applied for the card, however, when she asked my place of birth, I refused to provide that information because I was sure that I had not provided that information and I had already answered all the questions that pertained to my identity initially. As this point XXXX reported that she was not going to be able to proceed with reporting the card lost/stolen because I refused to answer where I was born. I asked to speak to a Supervisor. The Supervisors, whose name I did not get, told me that XXXX had talked to her about the situation. I explained to the supervisor that I have already had a past experience with fraudulent activity using my credit information and I was not going to provide them with information that they did not request for initially when I applied for the card. The supervisor told me that she could not " override the system '' and would not be processing the card as lost/stolen. The supervisor admitted that my mothers maiden name was not requested initially as was not my place of birth. I asked how she would know that I was giving her the correct information then and she responded " we trust you. '' I told her I did not trust her and that was why I was not giving her information they did not have to begin with. I told her the logic that they are using to report the card lost/stolen did not make sense and I refused to give her the information. Hence, she told me she was not going to file the card as lost/stolen then because I refused to provide them with my place of birth which I told her was " none of her business. '' I am concerned that if this card is found or has been delivered to the wrong address and it is used, I will have to go through all the steps to ensure that I did not use this and this I know can take months or longer and I am not willing to allow that to happen. Furthermore, since I have not received a credit card, I do not have any information about their policies when reporting a lost/stolen card. I have a bill that does not provide information regarding how to handle this type of situation either.
On XXXX XXXX 2016 I received a text alert from USAA bank stating that my checking account had been compromised. The agent informed me that it would take 24-48 hours to do a fraud investigation and I would n't have access to my accounts. When I called XXXX XXXX 2016 the person I spoke with asked me for an authentication code that I did not have because no one ever gave me one and then asked for my phone number once I gave her my number she said that the number I gave was not the number on record. I explained to her that someone had compromised my account and must have changed the number also. She told me there was nothing else she could do she was locked out of my account when I asked to speak to someone in the fraud dept she told me should could not transfer me because she could not authenticate me. I have been experiencing pretty much the same attitude for the last 6 days when I call to find out what 's going on with my accounts. XXXX XXXX 2016 will be a week I do n't know how my account was compromised or to what extent. And USAA does not seem to be in any hurry to fix the situation.
First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.
I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.
I am a victim of identity theft and someone stole my personal information and used my personal information and identity to open an unauthorized and fraudulent credit card account with XXXX. I have never applied for a credit card with XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midland Funding LLC representatives in regards to the credit card account and the debt on the account. The credit card account do not belong to me.
I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.
On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.
I have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!