WillisBack/dataset-financial-user-claim huggingface dataset:
Seterus Inc. is willfully attempting to collect escrow payments which will not be disbursed. Seterus IncXXXX has negatively effected my my credit score and my ability to perform obligations of my employment. I have verbally and in certified postage attempted to point out the mistake however Seterus IncXXXX continuously redefines the date Seterus Inc. is obligated to respond to my inquiry. 

Seterus, Inc. operates as a subsidiary of XXXX XXXX XXXX XXXX ( XXXX ) ; thus the same corporation that boosts of XXXX a natural language, question answering computer can not determine the date a mortgage will be paid off utilizing a simple mortgage amortization schedule. 

My loan was transferred to Seterus Inc. after the banking failure in 2008. Payments have been on time for the full duration of the loan. I have paid additional principal payments from time to time ; therefore my loan will be paid off six months early. Seterus Inc. is attempting to collect tax and insurance payments that are not due until after the loan is paid off. Seterus Inc. representatives admit the funds collected will not be disbursed from my escrow account because the date the tax and insurance payments are due is after the date the loan will be payed off. I have been told that I can apply for a refund after the account is closed ; this is affectively a penalty for prepaying my principal. Seterus Inc. has breached several tenets of the signed mortgage. 

I have received notification that payments received by Seterus Inc. are not being honored and are held in a suspense account. I have verbally explained to Seterus Inc. representatives the errors Seterus Inc. has made. No attempt to correct the errors has been made, nor has an explanation been offered by Seterus Inc. why Seterus Inc. believes no error had occurred.
I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.
I JUST RECENTLY SUBMITTED A DISPUTE TO EXPERIAN AND EXPERIAN TELL RESPONSE TO CFPB IS THAT THEY NEED A COPY OF SS CARD DRIVER LICENSE AND A COPY OF UTILITY BILL I HAVE SENT THIS TO EXPERIAN TWICE CERTIFIED AS WELL AS NOTARIZED HOW MANY MORE TIMES ARE THEY GOING TO KEEP GIVING THIS EXCUSE CERTIFIED MAIL SENT TO EXPERIAN HAD TO BE SIGNED SO THEY RECEIVED A COPY OF MY DOCUMENTS
At XXXX XXXX  on XX/XX/XXXX, I received a call from a person who refused to be helpful. I asked repeatedly whether this was an attempt to collect a debt and was told that the company ( Financial Corporation of America ) did not have to tell me that unless I verified my address and date of birth. 

The representative kept calling me sir ( I am a woman- and the person refused to stop calling me sir for a long time- I am very self conscious about my voice ). The representative also informed me that the company would not send any further mailers unless I gave them an address- then the person stated my XXXX daughter 's name. 

I believe this is a scam and told the person that I thought so and the person insisted on wanting to end the call while I asked to research the company online. A " supervisor '' came to the phone at my request and stated that another mailer would be sent. 

I do not know this company and do not know why they would be contacting me.
I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you.
Navient refuses to provide information regarding the term length of my private loans ( previously owned by XXXX XXXX ). I searched the website and emailed multiple times, trying to get an update on how many payments I have left, what type of payment plan I have, but they do not provide this. I am also trying to find out if they will provide any kind of idea of if/when my payments will go up, so I can plan out my life, but they said they do not provide amortization charts. How am I supposed to plan without knowing how long I will have to pay my loan, and/or when the payment will go up? XXXX XXXX always provided this information. How is it legal to refuse to provide the most basic information about a loan? 

See the email message below. They are instructing me to call them. I call and I am on hold for an hour : Dear XXXX, Thank you for your inquiry and for your business with Navient. 
Unfortunately, due to system limitations, we are unable to provide this information online at this time. However, you may contact us through XXXX of the below methods to request this information. 
If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. 
Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Other [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI am trying to find out how many years I have left of repayment, or my repayment schedule, or virtually anything about which repayment plans I am on. All of this information used to be on the XXXX XXXX site, but for some reason is not available on the Navient site. Why am I not able to access basic information about my loans? 

Here is another email I sent : Dear XXXX, Thank you for your inquiry and for your business with Navient. 
Because the monthly payment amount fluctuates as the variable interest rate of your loans changes, the amortization of your loans will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules. 
If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. 
Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Having issues with the website [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI need to see what my payment schedule is going to look like over the life of the loan. XXXX site used to show this.
Bay View Loan servicing is not posting my payments or sending me statements. They are sending past due notices when my payments are ahead of schedule.
Wells Fargo Home Mortgage Foreclosure Attorney - XXXX XXXX XXXX has filed a lawsuit against me WHILE I AM CURRENTLY in loan modification review with Wells Fargo for my mortgage. 

I feel this is a violation of the dual-tracking laws. 

XXXX XXXX XXXX should not be pursuing a lawsuit against me during a loan modification review with Wells Fargo. 

I do not have XXXX which most attorneys want as a retainer to fight the district court complaint filed in XXXX XXXX against me WITH A RESPONSE DUE BY XX/XX/2017 or I am in default. 

I need help ASAP!
I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! 

Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.
Transunion has an option for consumers to use their online dispute feature at the website disputetransunion.com. There system is preventing me from accessing this feature without providing me notice. I correctly logged in with my account, I know this because I can access my profile and it reflects my information, but when I try to use the dispute feature I get the following error message : We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. Please contact us at ( XXXX ) XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I then tried to log out and click the log in help link that says Forgot your username or password? and directs to the link https : //dispute.transunion.com/XXXX. 

That link directs you to a page that asks for credentialing information, which is social security number and last name. When I correctly enter that information, it directs me to a new page with the following error : We are unable to complete your request. 
What happened : We could not log you in with the information you provided. 
What to do : Please contact us at XXXX. 

I strongly believe that this is due to the fact that I have recently accessed the dispute page on numerous occasions to compile the information that I need to generate an online dispute regarding a specific item on my credit report, but have yet to submit. I believe that the company is trying to limit my rightful access to my report. Thank you.
There are multiple inaccuracies on my credit report. My report should have a freeze on it and equifax is still allowing inquiries to go through without my permission. I have 20 fradulent inquiries all while there is supposed to be a 7 year freeze. The second issue is that I resolved with a creditor an account for XXXX/XXXX XXXX  for it to reflect as settled in full ans I provided this letter from the creditor to Equifax and they have refused to update my credit report.
I put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.
Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?
Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.
In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports.
I had filed a complaint recently on Central states recovery requesting that they remove the dispute verbiage from my credit report. Their response was that they would remove the account from all three credit bureaus. As of this date they have not done what they agreed to do. I need this rectified ASAP!!
i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now
I sold my card and deposited 2 large checks at my bank of America checking account on XXXX not deposit hold was placed on either of checks at the time of deposit. there was no hold on my account either on XXXX XXXX and XXXX. On XX/XX/XXXX I called my auto loan company which is XXXXXXXX XXXX and asked them to go ahead and do a ach on my account for the total amount, later on that evening on XXXX a deposit hold was placed on my deposits for XXXX and XXXX for the entire amount for 10 days. I called and called and called but my plea to release the funds got no where with bank of America. I even had the check verified by the paying bank to bank of america manager Ms. XXXX I was told that bofa employees have no ability to release any holds on accounts. I even filed a complaint on their website and on XXXX I got a call from the executive office and lady named XXXX stated that she might be able to help. She stated as she sees that the ach is pending for the amount of {$7600.00} from XXXX she will make an exception and release part of the funds so that the payment does not get returned. The other funds were still held by the bank until the XXXX. 

I have never seen anything like this and it is a mal practice and fraud from the bank to hold customers funds after making them available for 3 business days and then placing a hold on them. It was a night mare for me and my family for not to have funds that entire week.
Retailers who others put in their business permits and ran raido and media and accounts who frauded back my documents stack. A I have two boat captain in my documents stack. Others in Florida frauding my documents and as boat 's and marina permits frauding back USA XXXX XXXX accadamy of XXXX XXXX Indiana. 

Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana birth certificate of XXXX XXXX XXXX later changed in early XX/XX/XXXX to XXXX XXXX XXXX then thru my mom 's 2nd marriage to XXXX XXXX it was changed to XXXX XXXX XXXX XXXX Then others frauded boat captain of XXXX XXXX XXXX of XXXX county Indiana and his mom of XXXX XXXX XXXX XXXX of XXXX county Indiana who is XXXX. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are registered through XXXX  XXXX Indiana USA XXXX XXXX accadamy as XXXX XXXX through power squadern. 

Small water craft Then myself after boating for 20 years with boat captain was a first mate declared by others boat captains My XXXX birth certificate of XXXX county Indiana my legal father of my Mom first husband of XXXX XXXX XXXX his was was prior USA XXXX I XXXX XXXX XXXX XXXX XXXX prior USA XXXX My brother of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Prior USA XXXX XXXX XXXX sister marriage to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX   county Indiana XXXX XXXX was prior USA XXXX My mom 's 3rd Husband of XXXX XXXX XXXX was prior USA XXXX You have a 50 states grocery store and diners menus and shopping malls locations and shopping malls and other herds and others boat scams and business permits and schools and colleges and internet herds listings scams and realistate business and banking permits and auto stores and land development hooked up on my documents hooked up against USA XXXX XXXX documents and verterns documents Federal and state not authorized
Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX  credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.
I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.
Experian IS REPORTING CREDIT INQUIRIES THAT SHOULD BE REMOVED AFTER XXXX YEARS, THESE INQUIRIES ARE AFFECTING MY CREDIT SCORE AS I WOULD LIKE TO BUILD MY CREDIT. REMOVE ALL INQUIRIES FROM MY CREDIT REPORT.
Consumer Portfolio Services , Inc    XXXX   XXXX   XXXX   XXXX   CA  XXXX  I had my   XXXX   XXXX   XXXX   finance by this company as of this day the loan has been paid but I had very bad accident   XXXX   which has left me unable to work and cut my income to  XXXX  for a couple of years , I contin ue to pay my monthly note of  XXXX  to Consumer Portfolio Services. And the were times that I could n't make the payment on time so I had some late  fees I conti nue to pay the company {$390.00} per until the late fee has been pay to this day. I just made a payment in  XXXX  of  XXXX  I spoke to  XXXX   XXXX  from the company and inform her that I can pay this off, but not all in  one check t he response was it has close by   XXXX   XXXX   XXXX  , or we going take action.   On   XXXX   at got call from an unknown  number,  XXXX   XXXX  , thi s person did n't acknowledge oneself, I did call the number back and it roll over to  Consumer Portfolio Services. I will continue to pay this bill as of   XXXX   as of this day.