WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. 

The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. 
The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. 

On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). 

I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place.
I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!
On XX/XX/2019 at XXXX, I received a phone call from XXXX, XXXX NC a lady by the name of XXXX ( I'm guessing spelling ) asking me to confirm my personal information. I refused to do so and ask again what her name was and company. She stated Alliance Group and Associates. At least I think that is what she said. When I refused to confirm SSN she asked to confirm birthday. I asked again what was the matter and she very rudely denied to state the matter until I confirmed personal information. I informed her I have reported identity thief and I refuse to give any personal information over the phone and she is more then welcome to mail me any information. She accused me of being non-responsive to mail. She proceeded to make accusatory remarks to me such as " who ya hiding from ''. When I informed her AGAIN I am not providing nor confirming any personal information. She then threatened to proceed with legal actions and reporting my SSN to someone, I couldn't understand her. I stated to her to do what ever she felt she needed to do, I am not giving any information over the phone. She proceeded in a threatening manner to say " Oh I am going to '' and rudely hung up. I suspect this is a scam.
Recently, credit reporting agencies refuse to deliver online versions of my free annual credit report. Instead, they insist on my mailing in a request. In fact, I can then receive the hard copy report by mail. However, I then need to scan the paper copy into my computer, in order to minimize my paper records. 
What must I do to get online versions of my free annual credit report? ( There are no telephone numbers available to me to allow me to speak with a knowledgeable representative at any credit agency to solve this problem. )
Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I  sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you
Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX
My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account
my XXXX year old married daughter is on my report ( XXXX ) she should not be on my report. I do not co-sign for any of my Children. One of the address is wrong, XXXX is the only address. XXXX is wrong ...
My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 
We have been attempting to resolve with Wells Fargo since before XXXX. There has been no resolution as Wells keeps denying claim that anything fraudulent was done in spite of evidence to contrary.
I 've been working with this " company '' since   XXXX   XXXX   ,2017  to pay off a loan the final balance was {$340.00 } (  original loan company  XXXX   XXXX   XXXX   ) the y set up monthly payments of {$60.00} which I made  XXXX  payment that came to {$240.00}. Everything was going smoothly, made my monthly payments time. Then on the  XXXX  of this month they hit my account. I was concerned and called the company ( spoke to  XXXX   XXXX .. if that is his real name ) and let him know that my account should n't have been hit till the end of the month. He informed me that the previous " agent '' that worked with me no longer works there and that he set up the payment. I asked "   XXXX   '' what is my balance, he stated that I owe {$190.00} but he 'll offer me {$150.00} which will be my last payment on the  XXXX . I thought about it and thought it was fair enough. Early Tuesday morning I got a bad feeling that I was going to be billed more than what I owe. I checked my bank account and counted the number of payments I have already made and made the conclusion that I owe  XXXX  instead of {$150.00}. I called the company back and spoke to this   XXXX   guy ( which is unprofessional ) and ask him why I am being billed {$150.00}. He stated that I made  XXXX  payments of {$50.00} not {$60.00} and there was a {$10.00} transaction fee. I was n't aware of this from the previous guy. I asked  XXXX   XXXX  why he told me before I owe {$190.00} when my balance from   XXXX   XXXX   XXXX   was {$340.00}. he told me There are interest charges!!! The original email they have sent me show that I owe  XXXX ! No interests included! I got mad and argued with him and told him that I googled the phone number and read negative reviews and demand him to give me their website. He spoke in a low tone like he knew that I have caught on. I cancelled my card that they have on file. I am afraid they will take more than {$150.00}. I do n't trust this company and the people that work there. Unprofessionalism and rude.I now know not to work with companies that are n't BBB accredited. I have the original email they sent me if you would that. I will NOT give them anymore money! Few of their phone numbers are  XXXX  an d (   XXXX   )   XXXX . The address I have found is  XXXX   XXXX   XXXX   XXXX  #  XXXX    XXXX    ny  XXXX . They still call and talk like I do n't know about the loan  XXXX   XXXX  and a   XXXX    XXXX  I believe. I 'm so fed up with them and so annoyed with myself to believe them. They will not get anymore of my money. The attachment is the letter they emailed me but I can not view it
Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.
I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX
I want Trans Union to add my employer to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX   Position : XXXX XXXX XXXX, Yearly Salary : {$350000.00}.
On  XXXX  of  XXXX , I felt I had no choice but to walk away from my townhouse located at  XXXX , California. I had  XXXX  purchase mortgages for this townhouse, a primary and a secondary. Both were originated by the now defunct  XXXX   XXXX   XXXX , both allegedly transferred over to  XXXX   XXXX   XXXX  at about  XXXX   XXXX , and around  XXXX   XXXX , the primary mortgage servicing allegedly went to  XXXX   XXXX  and the second mortgage allegedly went to CCO Mortgage.  XXXX   XXXX  and CCO Mortgage were still servicing my primary and secondary mortgages, respectively, when I defaulted. I was told by   XXXX   XXXX   that I did not qualify for any of the HAMP or HARP programs, nor did either  XXXX   XXXX   or  CCO Mortgage provide any assistance in regards to a short sale nor a deed-in-lieu.  XXXX   XXXX  foreclosed on the townhouse in  XXXX   XXXX . On  XXXX  of  XXXX , I applied for a FHA mortgage since it appeared I would quality after just three years after a foreclosure. Through this process I found out the CCO Mortgage had since changed its name to Citizens One Home Loans and was continuously sending all three credit reporting agencies information that I still owed them {$41000.00} even though California is a non-recourse State. The credit union where I was trying to obtain the FHA loan through tried to assist by contacting   XXXX   XXXX    XXXX  who ended up conferencing me in with Citizens One Home Loans to request that the Amount Past Due to updated to $  XXXX  since my property was foreclosed on. The representative at  Citizens One Home Lo ans stated that I still owed the loan, but that they will not try and collect, and that they will continue to make that claim fo r 7 to 10 add itional years. In addition,  Citizens One  increased th he Balance Amount to  {$55000.00} after this interaction and continues to increase the  Balance Amount  on a monthly basis. I had filed a dispute with  Citizens One  and all  XXXX  credit agencies on  XXXX   XXXX , but all that resulted was for the  XXXX  credit agencies to put a fraud alert on my credit report and fo r Citizens One  to exceed the 30 day response period with a " We are still investigating '' letter.  Citizens One  has also exceeded the 15 day extension, which they should only have gotten had they received new information, which I do not believe has occurred. Citizens One is playing games with the Fair Credit Reporting Act and claiming that  I con tinue to owe them funds when the debt should have been cleared after foreclosure, based on California 's anti-deficiency rules. Please help. Thank you.
This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
Hi, I'm not sure who to contact with this anymore, but I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations between the reporting between the major credit bureaus. 

XX/XX/XXXX - 30 days late? 
XX/XX/XXXX - 30/60 days late? 
XX/XX/XXXX - 30/60 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!
I moved out of a apartment and XXXX XXXX aka XXXX XXXX XXXX put lies on my credit I sent all rent receipts, lease, notices etc to prove and had a attorney send a demand letter with court supporting documents showing I don't own and Hunter and Warfield refuse to remove account.
I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.
They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. 
This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.
In XX/XX/XXXX AES reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called AES to inquiry and dispute. The AES representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. AES responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my  account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
I was a student at XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The school was unable to help me finish, no one would answer the phone. A year later they sent me a certificate stating I graduated. I never received my diploma or stated I graduated. I never finished the classes. I could not get through to anyone. I left many many messages asking someone to help me. They gave me a lap top to use while I was a student but shut my lap top down so I could not even finish my work. I now have been fighting with NAVIENT to get these loans taken off my credit report. I am in a IBR and it is not showing on my credit report that I am on an IBR. It shows I need to make payments so my credit is very low and I am trying to buy a home but I can not bc they over charged me XXXX. Which is a whole other story linked to this awful school that has ruined my life. I can not find anyone to help me get these loans off my credit report. How should I be responsible for loans that I never finished or graduated from. Why will no one help me. Nobody cares I can not get through to NAVIENT they will not help me. I must get these loans updated that I pay {$0.00} am onth or taken off my credit and forgiven for the loans bc I never graduated and school shut down. PLEASE HELP
Equifax continues to report on my credit report that I have filed a Bankruptcy that was discharged but in fact I never completed the process according to the US Bankruptcy Court of XXXX, NC and that my case was neither dismissed or discharged and that nothing should be reporting on my credit report and I also provided Equifax with the documentation from the US Bankruptcy Court of XXXX, NC.
I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :
A few weeks ago I sent this bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
I have disputed with Experian and this information about a collection from XXXX remains on my report. I recently received a response from XXXX which responded on the CFB case # XXXX that they would remove this collection.
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX
We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices.
M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.