WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  of last year we were offered a " strea m Line  '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the  loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in   XXXX   so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about  XXXX  at night while I was at work, when I confronted them about it they said it was n't them but it was   XXXX   XXXX   just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.
An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.
I have tried numerous times contacting XXXX XXXX XXXX in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX number, and filing a report on XXXX 's website, 9 months later and I am still unable to resolve this issue.
I have XXXX identical ARMs on XXXX adjacent condos. 
Ocwen purchased my ARMs and started adding a {$2000.00} insurance charge onto the Mortgage. Ocwen claims that my mortgage documents allow them do to this. They claim that unless I specifically disclose insurance on the interior of my units, they can insure the interior, and add their expense to my principal. They have refused to provide any signed documents that prove my responsibility to make a disclosure. They have already lost a {>= $1,000,000} class action settlement on this issue - they were charging people inflated amounts for insurance and pocketing kickbacks. 

XXXX
Back in 2010 I asked BOA for a loan modification XXXX. We were financially strapped and after months of being late on mortgage pymts which BOA told me to do my credit was short XXXX & they started forclosure. 9 months later they sent me a letter that they would do a modification- {$1.00} less a month YES {$1.00}, I signed it and not realizing they added 2 years on to my mortgage. I am now looking to refinance and I just found this out. I am furious, want those 2 yrs back & I want out of BOA.
I have purchased a set of the furniture and applied the credit card when we purchased on XXXX. We were told they are no interest for 24 month. 

As always, we set up the auto debt from our bank, we had paid our minimum due on time for past 2 years. On the XXXX XXXX, we only left the balance as of {$3500.00}, but the Synchrony bank charged us {$4300.00} for interest, please see the statement attached XXXX. 

We understand the credit card will charge customers interest on the balance whatever if they did n't pay, but this bank goes back to charge the interest for past 2 year for the promotion period, I have never known. We found it in XXXX, XXXX, and paid off all balance plus interest charges. 

I called the bank and tried to understand, they told me that is the way they design the program to make the profit. I spoke with the manager name : XXXX, she wo n't give me any government agent contact when I asked her for the third party review for the justice. 

We need justice on this issue, this is no ethical business. As a customers we are lack of some knowledge and not paying the attention to the detail, but as a financial institute should not work on this way for the innocent customers and like rob money whoever get track in. 

I am not sure if you are the proper place to listen to us, or please refer me to other agents, we need to appeal for this issue. 

We are looking forward to your reply. 

Thank you very much -- Regards, XXXX XXXX and XXXX XXXX XXXX : XXXX
Company issued a IRS form XXXX " cancellation of debt '', but are still trying to collect. They are also reporting a balance to the credit reporting agency 's each month.
I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX XXXX.
I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!
I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I opened an account online with BOTW based on a promotion they had : {$150.00} incentive. The process seemed easy enough, with the exception that their system would not capture the " XXXX '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account information. To my surprise, the teller retrieved my information and gave me my full checking account and debit card number without requesting any sort of identification, just me providing my SSN verbally. I tried setting up my online banking and got an alert that they needed to verify my information for security reasons. I do n't understand, I was able to walk in and get my information without issue and without showing any validation that it was me asking for it, yet I was not able to set up my online banking? I called and expressed my concern and the representative was not very helpful, so I asked to speak with a supervisor. The supervisor seemed to not even care that there was a flaw and simply stated, " allow 48 hours for your XXXX to be setup. '' The following days I got an email saying they could not set up my online banking for security reasons and to call in. I called and the rep said it was because my address was missing the " XXXX '' and fixed it. I told her I have yet to receive any information for my account nor my debit card. She assured me it was mailed to me and I would receive it within the next few days. Wednesday ( XXXX ) I called and inquired on my card, it had been more than a week - mail no longer takes that long. The representative seemed confused from the getgo. I asked her to please confirm where it was sent to and read my address verbatim. Out of curiosity, I asked my neighbor if she had received my mail - to my surprise she had my debit card and pin mailer. Someone other than me received my mail because of your error. Imagine this person was not honest? I would have been out {$100.00} because of your error. Not only did your bank fail to safeguard my funds and act accordingly, but delayed access to my funds. This is ridiculous! I 'm a new customer and already experienced poor customer service, misinformation being provided, and possible breach of my account/personal information.
i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.
... I probably should have called instead, but have always found the written word to carry more weight. 
I'm simply letting you know that I will not be using your Credit Card account for my billings on PayPal. I consider your APR to be exhorbitant. I would be using it as a means of keeping easier track of a certain class of purchases that I might make each month, and which would normally be paid for at the moment or when due at " month 's end ''. It hasn't been that long since the appropriate APR for such an account would be less than 6 %. I see no reason, other than corporate greed, that would call for such an inappropriate rate as you are asking. 
Good luck finding anyone XXXX enough to get tangled into these kinds of deals ; there should be a way to prosecute you for over charging honest citizens.
I took out a loan in college in XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

Thank you.
My credit score was reduced 133 points due to action taken by XXXX, because a loan payment was over 90 days late. Previously, XXXX had not given me written notice of upcoming or late payments for this loan, and also did not give me any such information when I called them. The loan payments are now current. The loan would never have become overdue if XXXX had given me written notice or provided me with the necessary information any response to my telephone enquiries. 

XXXX claims to be unable to do anything to have the bad mark on my credit removed. 

Equifax, a credit score service, told me that it was possible to get the bad mark on my credit removed, but the bad mark would then be transferred to my son 's credit report ( the loan at issue was for my son 's benefit ). 

I feel that XXXX has been unfair and abusive to me. It is no wonder that XXXX has been sued by your agency. Also, I feel that Equifax has also treated unfairly and unhelpfully. 

Any assistance this agency can provide would be greatly appreciated.
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. XXXX XXXX XXXX is still reporting incorrectly on today.
Hello, I reconsolidated my loans with a new lender, XXXX. They sent 2 checks in early XX/XX/XXXX that were cashed. There was an overpayment of about {$920.00}. I called navient twice to see if the refund was coming back to me. I was told yes by customer service and to wait up to 6 weeks to receive the check. The check never came. I called in early XX/XX/XXXX and spoke to and XXXX at extension XXXX who told me the refund would be going back to XXXX XXXX and that it was cut on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX XXXX as of today, the XX/XX/XXXX, has still not received the check. I called Navient again last week and spoke to XXXX who said she needed to check with finance to see if they can reissue a check. I was told I would receive a call the next day, which would have been last Thursday and I still have n't received a call. 
As of now I am accruing interest on a balance with XXXX on money that is sitting with Navient. It 's been almost 2 months at this point with no resolution.
I took out a {$50000.00} loan from XXXX ( now Navient ) back in XX/XX/2007 to attend University of XXXX. During that time, I was never given an option to co-sign with my parents. After my schooling ended, I was automatically set up on a 10-year repayment plan ( by no choice of my own ) with bills far exceeding what I had the means to pay because of the economic crisis. Worse, when I contacted Navient, they quickly ushered me into a forbearance program without even making me aware of an income-based repayment plan. It was n't a few years had passed that I did my own research and found that an income-based repayment plan was even an option. But by that time, my loan had already reached {$80000.00}. I was 100 % taken advantage of at every step of the way, and bullied into forbearing my loans. Now I struggle monthly to even pay off the interest ( at 15 % of my income ) and will be paying almost {$200000.00} after my 25 years is up for forgiveness.
Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored. 
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor. 
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request )
I have submitted documentation to Experian from the company they have claimed to have verified the information from. They still refuse to deleted the infoemation from my credit report even after I supplied the documentation. Please Investigate.
This mortgage was paid, I sold the house XX/XX/2016 it was a joint account my father was on the account, he was sick and unfortunately he passed away XX/XX/16.  I called the bank to please remove the information from my credit report or to please to forgive me some late payments, and I did disputed with all 3 credit report and no change was made.
I have not received a letter in regards to the debt or been notified of my rights to dispute the debt.
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & Equifax XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''
Incident date- XX/XX/2019 Bank 's Name- XXXX XXXX XXXX XXXX Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Employee 's Name- XXXX XXXX. I walked into the bank to open an account. A free checking account can be opened with {$1.00} at XXXX XXXX. XXXX gladly open the account. 
The problem is she told me that she wouldn't mail me a visa debit card until I deposited {$50.00}. She told me once I deposited {$50.00}, she would gladly send me a debit card. She asked me was I sure I still wanted to open. I said yes. She received my {$1.00} and opened the account. 
The next problem is when I got home, the same day. XXXX called to tell me she had closed out my account. I asked why. She couldn't give me a straight forth answer. She only told me don't make any transactions because she had mailed the {$1.00} back.
Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title
I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst.
In XXXX XXXX, my loan had been serviced by XXXX I sent information to renew XXXX about 6 times. They claimed they never got it, and then they told me that income information had to be on my copmany 's letterhead, in a postmarked envelope. The day I sent them the information, they placed my loan in default and placed it with collections. They told me there was nothing they could do, and I would have to make 9 payments to have it rehabilitated. 

It was placed with Performant Recovery. I made direct-debit payment arrangements with them to deduct {$51.00} per month from my checking account. The payments were made, but at the end of 9 months, there was no word from Performant. I tried contacting them and all that happens is I get put through to leave a voice mail with someone, but no one calls me back. I get mailed notifications every month, addressed to my home address, so I know that the company has my contact information. 

Each month the auto-draft check is made out to XXXX XXXX XXXX XXXX XXXX XXXX Account. I have copies of the checks and the backs of the checks where these have been cashed. To date, there have been 44 checks auto-drafted. 

XXXX ( Federal Student Aid ) shows my loan to be in default, with the servicer as XXXX the lender as XXXX XXXX XXXX XXXX XXXX XXXX, and the current guaranty agency as XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted XXXX. They state that they do not have my loan and that XXXX XXXX has it. I contacted XXXX XXXX, and they state they do not have it, that Performant has it. I contact Performant and most times no one calls me back. On the one occasion that someone did contact me, they left a voicemail on my phone with a phone number that only sent me to their voicemail. I left a message, and no one called back. This is a continuous loop that has happened over the 4 year period of time. 

I want my loans out of collections, and I want them out of default. I have included uploads of various canceled checks. My bank goes back 18 months online, but the consecutive numbering of the checks can be seen along with who they are made out to and the stamps on the back where they have been cashed.
On XX/XX/XXXX I contacted XXXX XXXX to confirm my monthly payment of {$110.00} that was agreed upon back in XX/XX/XXXX for a line of credit. I was then informed that I received a credit card that I did not ask for, wanted or needed. Even if it was sent I would have shredded it cause it was something I never intended to use. Even though I was meeting my initial payments I was told they were issuing me a replacement card. On the XX/XX/XXXX I received a notice of activity on my credit report because they opened my credit report and issued me a credit card that I did not request. Then i received a notice that my next payment for XX/XX/XXXX will be due on the XX/XX/XXXX for a payment of {$260.00}. I am in agreement to refinance my home to eliminate debt so why would I agree to increase my debt. This predatory practice will lose me {$40000.00} and lower my credit standings. I then spoke with a customer service supervisor who told me she refused to discus with me any further about this matter and abruptly hung the phone up on me. Very rude. When does a line of credit turn into a credit card just to increase my monthly payment. Right now I have block from opening my online account so I can only imagine what changes that I can not afford are being made. Without access to my account how can I continue to make my payments of {$110.00}, so I guess their intention is to charge my credit card to put me further in debt.
HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX
I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved
Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.