WillisBack/dataset-financial-user-claim huggingface dataset:
I am contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?
Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.
I owe to  XXXX   XXXX   XXXX  and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015
CHASE and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation
I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.
They accused me on my credit report ( XXXX ) for an account other than my old account at an old city, they said on the report suspected fraud activity, since XX/XX/XXXX and i didn't know about it tell i closed all my accounts with them this year. I'm trying to solve the issue before i sue them for all what happen to my credit history with no contact at all. while I have an accounts with them since XX/XX/XXXX. The damage caused to be declined by my company credit union and declined for a mortgage, unfortunately, some XXXX reports do'not appear in my normal credit report, tell have been told by a loan officer
State Farm- On XX/XX/XXXX someone from State Farm pulled my credit report. I am a vicitim of identity theft. I called State Farm on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.
In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in XXXX. Please help!
When I closed on my mortgage with Wells Fargo many many years ago, one of the payment/payback options was bi-weekly payments. Thus, I have been paying bi-weekly for years. However, they never apply my bi-weekly payment when received. They just hold on to it ( thus getting the extra float time credit ). I lose by paying more interest since it does not get applied to the loan immediately. Then, once per month, Wells aggregates all my payments for the month and makes a single payment against my loan, thus applying it at that time against my principle. I personally think this is deceptive/unfair as they get all the extra benefit and I get no relief since they sit on at least half of my payments for at least two weeks before applying it to the loan. Hope that makes sense.
In XX/XX/XXXX I received a cell phone in the mail from XXXX. I called XXXX  and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX  rep stated to take the phone to the local XXXX  store which I did. I got a receipt from store manager.

On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX  stated the phone was return as advise from XXXX  rep which I have a receipt from the XXXX  store. They asked me to fax it over I did. They said they will investigate.

XX/XX/XXXX My cell phone service was shut off. I then again called XXXX  and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX  to purchase a phone. I had service with XXXX XXXX  since then.

XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX  again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau.

My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.
the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that wasused to verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible.Thank You
On XX/XX/2018, I purchased a car for my daughter who had recently XXXX from XXXX XXXX with the intention of selling it to her within a couple of months after she was able to get her finances in order. I discussed this scenario with the loan officer as we were going through the closing documents which included the option to purchase GAP insurance which I had initially agreed to as we were going through all the closing documents. As I continued to go through the stack of documents, the loan officer, my daughter and I chatted about me selling my car to my daughter within the next XXXX months. The loan XXXX then advised me that the GAP insurance would not be transferable to my daughter XXXX months later when I would sell the car to her. Upon hearing this news, I advised the loan officer that I no longer wanted GAP insurance. She went to speak to a supervisor to see how to handle the change since the paperwork had been processed that included GAP insurance. She came back and advised me that since the manager had to leave early that day, and had already approved the transaction, she would send me a refund for the GAP insurance. I had no reason to doubt that they would keep their word but wanted to make sure that it was notated in the closing documents. I drafted a statement advising that I no longer wanted GAP insurance and that document was included in the closing documents. 

I waited patiently for the refund for a couple of weeks and did not receive it. I phoned the office and was advised that the manager would get back to me with the refund. I never received the refund. I continued to call the office and was later advised that those funds would be applied to the balance. I was fine with that since I would be selling the car to my daughter within the month. Upon receiving the final payoff, I noticed that there had not been an adjustment for the GAP insurance. I began calling the office again. Once again the manager was out but the supervisor remembered my conversation with the loan officer and the fact that we had made the notation during closing. He said the manager would handle it. 

After a few weeks, I had the opportunity to speak with the manager and she advised me that even though I changed my mind during closing that GAP insurance was not refundable. When I inquired as to why the loan officer stated that I would get a refund, she simply said she didn't know why she would tell me that. I reminded the manager that my signed document declining GAP insurance was included in the closing documents. She said she was aware of that ; however, I couldn't change my mind even at closing.
I was processing a mortgage loan with XXXX XXXX, and after they were wanting to charge me preposterous and unexplained fees, I decided to take my business elsewhere. They have continued pulling credit reports without my consent. I moved my business and am now processing a mortgage with XXXX XXXX and have authorized them to pull my credit, there are multiple other inquiries that have not been requested nor authorized. I placed a credit freeze on all of the credit bureaus and would like to request an investigation as to who is pulling my credit report with hard inquiries without consent.
I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!
On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.
XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX  which sold the account to XXXX and ALL are reporting.
After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ;  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Equifax  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX
This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities
I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.
All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected ASAP