WillisBack/dataset-financial-user-claim huggingface dataset:
They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level  manager  and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.
XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
On XX/XX/XXXX my property, located at XXXX, XXXX, SC was reassessed by the XXXX, South Carolina Tax Assessor 's Office. 
On XX/XX/XXXX a CORRECTED copy of the tax notice was sent to Freedom Mortgage, the mortgage company that services my home mortgage. 
On XX/XX/XXXX, Freedom Mortgage paid {$1200.00} from my escrow account for the property taxes owed on my home. The amount paid was the amount of the ORIGINAL tax bill, and not the CORRECTED tax bill which was sent to them on XX/XX/XXXX. 
The XXXX Tax Collector held on to the payment of {$1200.00} until the middle of XX/XX/XXXX at which time they returned it to Freedom Mortgage. It was returned because it was not the correct amount that was due. The amount due was {$1300.00} because of the reassessment of my property on XX/XX/XXXX. 
On XX/XX/XXXX I went to the Tax Collector 's Office and was informed that the amount due was {$1500.00}. There were late fees that have now been added on to the account. 
I had been in telephone contact with Customer Service Representatives of Freedom Mortgage on XX/XX/XXXX and was told to outline the problem in writing and FAX a letter to the tax department so that it could be researched. 
I wrote a letter on XX/XX/XXXX and FAXed it to the Tax Department at Freedom Mortgage. I called the Tax Collector 's Office on XX/XX/XXXX and they have not received the payment. I telephoned Freedom Mortgage on XX/XX/XXXX and was told a disbursement of {$130000.00} from my escrow account was made on XX/XX/XXXX. The Customer Service Representative stated it should be resolved by XX/XX/XXXX. The account will be DELINQUENT if not paid by tomorrow, XX/XX/XXXX and the amount owed to the Tax Collector of XXXX, South Carolina is going to increase to an amount higher than the current {$1500.00} that is now due. 
I am attaching a copy of the letter I FAXed to the Tax Deparment and the documents I received from the Tax Collector of XXXX, SC on XX/XX/XXXX. It should not take six weeks to research a simple tax payment issue. The letter that I sent to Freedom Mortgage has a date of XX/XX/XXXX, but the year was incorrectly typed as it was typed and sent in XXXX.
Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.
OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX   on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay it.
My son supposedly has XXXX private loans with the Navient. XXXX of them is being paid via my checking account every monthly. XXXX of them is in default, and Navient calls my house at least 3 times a day, my husband 's cell phone at least once a day, and my son 's present employer leaving messages for him to call. They will not provide proof of the Loan. They say we took out a private loan and that {$27000.00} plus was issued to my son on XX/XX/XXXX. We simply asked for a copy of the Promissory Note along with the endorsed check because we do n't feel that this money is owed. We have asked for a complete reconciliation of all debts owed so that we can look at options on our end for consolidation. Each time someone calls, its a different person, about a different account, no reconciliation forthcoming as that is always someone 's else 's department, and no proof as requested. I have written numerous letters on behalf of my son. My son and I have called Navient on many occasions in an attempt to settle this matter, and we yet have any resolve whatsoever. I need a total amount owed for everything, Private, Federal, subsidized and unsubsidized. A settlement offer, if you will, so that we can make these people go away. Right now, all they want is {$80000.00} paid by XX/XX/XXXX or they are going to turn this over to another source of collection. We are not allowed to check but one box in each of your categories in this form, however, if I could, I would be checking everything! NAVIENT is horrible.
I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.
To Whom It May Concern, I XXXX XXXX a XXXX veteran banked with Well Fargo up to 2 months ago. I withdrew because Well Fargo was taking my Educational Money from the VA Educational fund allotted to me for me to continue my education in College. The VA Education department has been sending me letters for the last 3 years that they have overpaid me when I have never been paid a dime. Now, the VA Educational department is threatening me by re-cooping my military XXXX checks to repay a debt I have never received any money for. I need your help in tracking this dilemma. 
Sincerely yours, XXXX XXXX Phone # XXXX
In XXXX I qualified for a loan for online college courses. The school qualified me for a XXXX loan for {$2700.00} subsidized and {$2500.00} unsubsidized. The loan was deferred for a period of time as well. Since XXXX my loan has been serviced through Navient. It was sold to them for {$6400.00} and I have had a few forbearances since then. I am unable to access the details of the forbearances on Navients website and they said they would fax the information to me. I am also unable to access any information on payment history or interest prior to XXXX. At each forbearance I was only told to bring my account current and they gave me an amount to pay. These were sweet deals considering I at the time was a single parent to XXXX pre-teens. They said nothing of the fees that would still accrue monthly. These fees would be taken out of this amount they asked me to pay monthly. To date I have paid a total of {$5200.00} with a balance of {$3300.00} remaining. At this rate of fees and interest I will not be able to catch up. No payoff date in site. I 've never been informed of an income driven repayment plan. I was always stirred into forbearance. The low payment monthly works however, This loan is 10 years old now. 

I 'm seeking to have these monthly fees and the subsequent interest charged on top of it removed and I am seeking your help in doing so. 

Thank you! 
XXXX University XXXX XXXX XXXX
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX XXXX XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor Synchrony. XXXX  XXXX XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with Capital One, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with Capital One, so I called Capital One about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that Cap One likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from Cap One. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called Cap One again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and Cap One not correcting its error, I am left with no option but to seek assistance from the CFBP.
Since XX/XX/XXXX when we requested that we pay our own property taxes and end the escrow account, we have been trying to get a return of the money collected in that account. Since no check had arrived as promised ( within 10 business days plus mail time ), we called the mortgage company to find out where our money was on XX/XX/XXXX.. The representative said that the request had never been processed as ordered, escrow funds were continuing to be removed from our bank account. but that it would be resubmitted and she would try to expedite the check sending process. There was no check received, so we called again on XX/XX/XXXX and were told it would need to be initiated again with another two week plus wait time. On the XXXX we called to check on the progress and learned that the process was done incorrectly and it would take another two plus weeks to get a check out. At this point, I was transferred to a " supervisor '' who would not give her last name. and asked her to credit the $ XXXX to our XXXX mortgage payment, feeling that this would be the only way to see our money again. She stated she would email the representative about this request, but we have learned on XX/XX/XXXX that this was not done and the process was again starting over to release a check.
Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner.
On XX/XX/2018, I called Navient to see if I can get a lower monthly payment, They took my payment and reduced it from {$250.00} to {$180.00}. I agreed for them to withdraw the payment from of my bank account on every XXXX of the month. On XX/XX/2018, they withdrew the {$180.00} from my account. On XX/XX/18, the withdrew my old payment of {$250.00} from my bank account. I called on XX/XX/18 and spoke to a representative and she told me that they never cancelled the original amount, so that is why they took the {$250.00}. I then email the representative my bank statement showing where the 2 payment was withdrawn. She filled out all the paperwork and said I would have the money back into my account on XX/XX/18. I called back on the XX/XX/18, and the representative told me it was processed, and I would have the money back on XX/XX/18. I then called back on XX/XX/18 an asked what was going on with my refund, the representative e told me that they were sending me a check by mail because they didn't have my banking information for some reason. The representative told me, If I didn't have my check by XX/XX/18, then call back. Today XX/XX/18, I still have not received a check, so I called again, now they told me my account was overdue. The manager did fix the past due problem and said my refund would be here today. With this big XXXX up from Navient I received an eviction notice because I am late on my rent payment.
Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX
I have been a customer with Credit Acceptance Corporation since XX/XX/XXXX. My XX/XX/XXXX used vehicle is unfortunately financed through them. I have XXXX and have recently been undergoing XXXX. I had a payment that was due on XX/XX/XXXX. My next payment was just due on XX/XX/XXXX. A few days ago I called and spoke with a rep and Supervisor on XX/XX/XXXX and told them I was in the hospital and asked if they could give me an extension until the end of the month to catch up payment. They said no and that the disabling switch to cut off the car would go into effect in a couple days by XX/XX/XXXX if I didn't make at least the payment if {$290.00}. I asked if they could put that one payment at the end of the loan due to the circumstances and stated that they do not provide that option. So if you get sick you loose your car. They will disable it from starting and start the repo process. It does not matter how many years of payments you've invested into paying these people. When I purchased this car the dealership stated this was one of the lenders quick to say yes but you don't know how bad the lender is until you start dealing with them. With no options for customers when they have a financial hardship especially due to sickness this lender is not providing consumers with good car loans. They are simply in business for profit and could careless about the consumer. This company needs to be investigated for its practices for no options for consumers to put at least one payment at the end of their loan or the ability to make even a partial payment. Consumers get XXXX   with company. They need to fulfill my request.
I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.
My monthly mortgage agreement was with XXXX XXXX XXXX who switched to Ever Bank. In XX/XX/XXXX I  payed my mortgage early which was actually due XX/XX/XXXX. It was inadvertently lost in the mail. 
A company named XXXX XXXX  sent me several default notices received : 2 notices on XX/XX/XXXX  again XX/XX/XXXX and again XX/XX/XXXX with Pre foreclosure instructions and forms included. 
There was no disclosure on the paperwork that they were acting on behalf of Ever Bank. 
This was so upsetting as I have never missed a payment. I called my checking account bank and they confirmed my payment was not cashed. I then called the phone number on the first notice which was on pink paper. Within a week I was bombarded with 4 XXXX letters in addition to multiple phone calls. 
Not one message on my cell made reference to the fact that they were associated with Ever Bank! It appeared to be a phishing scheme by not identifying themselves properly. 
This approach is so heavy handed that I decided to help others who may be subjected to this treatment. I realized what happened and paid one month over the phone giving them my personal checking AC info, my cell number, email and other personal info. I still am not convinced they are not phishing. It was so unprofessional. There was no earnest help to problem solve the missing payment. Now I'm left wondering how a business practice like this is affecting others. I had to XXXX your complaint page as I have never had to resort to this. 
Sincerely, XXXX XXXX
In XXXX XXXX I retired. I invested {$200000.00} XXXX XXXX. The investment went sideways due to fraud in late XXXX. In XXXX I was in poor financial condition and started job hunting ; I was hired by the Utah XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. In XXXX XXXX I XXXX at work ( XXXX reduced income to XXXX ) and was out until XXXX XXXX. In XXXX XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth XXXX 5 times until XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. Somewhere in near the end of XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. In XXXX XXXX XXXX XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored XXXX arbitrations attempts. XXXX XXXX I found out they had garnished my pay check at XXXX but also my Utah XXXX tax return was taken. In XXXX the tax return was a {$3200.00} ( a write off because of the XXXX loss ), so they have garnished approximately {$7500.00} in XXXX XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. In XXXX XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah XXXX and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.
XXXX/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me on my credit report.
My bank continues to submit payment after my account has no funds.Which than occures nsf fee charged to my account. I have attached documentation to support my claim.If you look at the simple mobile one was submitted on XX/XX/XXXX when funds were there.B ut bank did not pay until the XX/XX/XXXX when funds are not there.As I said this is continues practice of theirs. I am on a fixed income please help XX/XX/XXXX XXXX XXXX FL XX/XX/XXXX Debit card transaction ( ... XXXX ) - {$48.00} {$34.00} XXXX XXXX FL XX/XX/XXXX XXXX
I am trying to access my account from another application with my username/password and CapitalOne is blocking it. Custom rep on the phone said they ca n't do anything to unblock it and claimed it was for my own protection in light of things like the XXXX breach. That does n't make any sense because I am trying to authorize myself to use my own account, and clearly the information is already store on Capital One 's servers either way.