WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I contracted with a real estate agent for a short sale of our home. We notified all lenders, yet the XXXX lender required repeats on many of our documents, claiming they were unreadable or expired. Finally we were told all of our documents had been referred to the committee. After a months wait we were told they did n't have our real estate agent 's email correctly and our file was now paused. Documents were unreadable or expired. We are in our XXXX extension -- expiring at XX/XX/XXXX -- with a viable buyer because of this process.
SPS loan servicing has misled us into believing that our hardship review was being processed and underwritten and only required some time in order to review. Since XX/XX/XXXX we 've asked of all the documentation that was needed to complete the review and within 2 days we complied. We have proof of receipt of all documenation remitted was received by SPS. A week later a redundant set documents were requested. We established that these documents had already been remitted but SPS indicated that this was not in their control and that our processing for review would be denied should these redundant documents not be resubmitted. We were told on XX/XX/XXXX that all documents were in and that the loan was in underwriting. This was confirmed by XXXX XXXX the manager. Today, we were informed that this loan was not in underwriting by XXXX XXXX and that another set of redundant documents consisting of pay stubs was needed. We communicated that these documents had been sent in and confirmed received two weeks ago. We are now concerned he that SPS has intentionally misplaced our documents and is intentionally delaying our loan modification review in order to cause us to lose our home.
XXXX told me on the phone that this loan was 'satisfied '. So, it should not be on my credit report. I disputed it with Equifax and they refused to remove it. It needs to be removed. XXXX sold it to another company and it is showing as a 'charge off ' with the charge off amount of ' {$0.00} '. Makes no sense. This is false information and it needs to be removed by Equifax. I can not buy a loan because of this information on my credit report. Please help.
Well, I called citi on XXXX/XXXX/16 to determine why I was being charged ATM fees despite the information pamphlet that was given to me saying I should not incur fees when using a citi bank atm. I spoke with a woman who said that she agrees that I should not be charged for using a citi bank atm and that perhaps I used an atm outside of their network ; she said she 'll look up the atm to determine if this was the case. She confirmed that it was in fact a citi bank atm and that its odd I was being charged. She said she will escalate this to management but that unfortunately there was n't anyone there that day that could help so I would be contacted back in approximately a week. I had n't heard back from them by XXXX/XXXX/16 so I called back to see what was going on. At that time the gentlemen I spoke with told me the exact opposite of what the lady from the first call said and told me that those fees are n't able to be reversed ; I asked to be escalated to speak with management. I spoke with another gentlemen who said that generally I would not be charged atm fees by using a citi bank atm with a citi bank card however I am a part of a XXXX program which does incur those fees. However the information was not presented in the pamphlet that was given to me with my card, he said that perhaps I received a pamphlet that was intended for another program but that he would do a one time courtesy and reverse those fees. He said I would have to call back on XXXX/XXXX/16 because no one there could reverse those ( it was fairly late in the evening ) and that on XX/XX/XXXX when I called those fees would be reversed. So I called today XXXX/XXXX/16 to have those fees reversed at the gentlemen instructed however the person I spoke with told me that was not true and that she can not refund them. After she pulled the call she agreed he said that however she only refunded the most recent atm fee but that was it. This is not okay because I have had one employee tell me I was right, and that I should n't have been charged since the atm i used was a citibank atm and a manager also tell me that he would reverse the fees on XXXX/XXXX/16. I have reference numbers for the recordings of all three of those calls. The call on ( XXXX/XXXX/16 ) with the woman who told me I should not be charged fees at citibank atms was reference # XXXX. The call with the manager on ( XXXX/XXXX/16 ) was reference # XXXX ; and lastly the call from ( XXXX/XXXX/16 ) today 's reference # was XXXX.
Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
Student loan originally was with XXXX XXXX, they changed it to Navient. My granddaughter went to XXXX school then became XXXX, had a XXXX. XXXX died on the XXXX. She was devastated, she became XXXX right away, thinking this would help them get over the situation. They could n't afford child care and she was unable to work, had to live with parents. They tried to pay but not enough money. Navient called and hassled me and bullied me frequently, threatened to garnish my XXXX a week job and am on social security but my name was on the loan. I finally got tired of the harassment and bullying, and per their suggestion put it on my credit card. I am XXXX and did n't need the bullying. With the high interest rate the balance remains unchanged from the original balance.
I received an offer for a XXXX XXXX XXXX credit card back in XX/XX/XXXX and received the card around XX/XX/XXXX. For a few years everything was fine then in XX/XX/XXXX or so I received a letter out of the blue stating that the card was closed so I called immediately to be told that they closed the card because they believed it was fraud and identity theft- I explained that I have had the card in my procession for years and that there is no identify fraud happening, I asked how I could prove this as it became ridiculous and this dropped my credit score - so they had me send in all of my information, drivers license, bank statement, social security card etc.. even after all of this they still would not re-open my card. Soon after they listed this card as a charge off on my credit! Even though they advised me that I had to pay it in full /XXXX balance which I did. No matter how much I call or write them they will not change the reporting on my credit bureaus even though they admit that it shows fraud and I explain each and every time, I have also repeatedly try to dispute straight with bureaus and they said its already been investigated.
On XX/XX/2018 we purchased 2,500 XXXX followers for our XXXX page. The company we purchased them from was called the XXXX XXXX. To date, the XXXX XXXX has only delivered 1,649 followers, which is under the 2,500 we paid for. The XXXX XXXX does not respond to emails regarding this transaction. 

We disputed this transaction with PayPal and they continue to say the item was delivered as promised. Though an item was delivered, the service failed to fulfill the quantity we purchased. The item we paid for was not delivered as promised. We purchased 2,500 followers and only received 1,649 ( and those followers drop off daily ).

We are asking for a full refund. PayPal refuses to refund this money to us. The service we paid for was not provided.
I have tried on several occasions to get several fraudulent accounts on my credit report removed. In XX/XX/2018, I submitted a letter alleging fraud, along with an official police report detailing this identity theft. I also reached out to the companies who own these accounts. Despite my evidence, and the fact that this same information was provided to XXXX and XXXX which resulted in a fraud alert being placed on my account and the accounts removed, Equifax has refused. My credit report still does not have a fraud alert on it, is still subjected to damaging reporting and the accounts are still present. This is hindering me from moving forward with repairing my credit. It is also in direct violation of my rights : " FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
I used the Experian site to receive my credit report for {$1.00} as advertised on the site, but without my being aware of it the company also signed me up for a credit report monitoring service with a monthly fee, and I did not realize it until I saw an additional charge of {$21.00} on my credit card the following month. The company did cancel the " subscription '' after I contacted them, but they refuse to refund the {$21.00} fee.
1. In XX/XX/XXXXmy then wife jointly financed aXX/XX/XXXX Toyota RAV 4 with TFS account number XXXX.

2. Her and I were divorced in XX/XX/XXXX. As ordered in the divorce decree she was awarded theXX/XX/XXXX RAV 4. The divorce decree states that she ( the Defendant ) shall assume, pay, defend, indemnify, and hold the Plaintiff ( me ) harmless from the following obligations : para 3. Toyota Financial Services Loan number ending in XXXX which is secured by the XX/XX/XXXXToyota RAV 4.

The additional orders section of our decree required both parties in the divorce to transfer titles for property divided by the decree to the party granted the interest. In the case of the RAV 4, my ex spouse, the defendant, failed to execute the transfer of the title and loan of the RAV 4 to her and to remove me from title and loan. This section also requires private parties to accept this decree as proof of transfer of the title and interest. In this case theXX/XX/XXXX RAV 4.

3. Sometime between XX/XX/XXXXandXX/XX/XXXX, she became delinquent on the loan and there is now a mark on my credit file that identifies me as being 30-59 days late on a payment for that loan in XX/XX/XXXX. My credit files from XXXX and XXXX  both have a red X on this loans payment history for XX/XX/XXXXand state : Worst payment status : 30-59 Days Late Times 30/60/90 days late : 1/0/0 Closed :XX/XX/XXXX 4. I am requesting that Toyota Financial Services remove the derogatory comment/mark from my credit files, and correct my file with all credit agencies based on the fact that she was in violation of a legal court order stated in the divorce decree to pay and hold me harmless from the financial obligation tied to the XX/XX/XXXX RAV 4. She failed to comply with that order resulting in me being harmed.
Based on my research, My original Servicer was XXXX, which filed bankrupcty 2008, and later discover third party debt collector known as Ocwen loan servicing and XXXX shown as the lender/beneficiary. Based on my discovery I 've notice Respa violations, Truth n Lending, Preditory, Adjustable Rate Mortgage, the whole entire loan was in violated under the Underwriting Deceptive Practice Act. 
Third Party debt collector known as Ocwen Loan Servicing does not have a license/ or consent order in the state of Maryland with XXXX Commissioner Finance Office to as as a Servicer /Debt Collector/Lender based on updated research. Therefore they need to investigated. Also XXXX XXXX XXXX XXXX needs to  be investigated, never had a contract agreement or any fair dealings pertaining to the loan and the equity interest in the property.
My student loans has been taken over by Navient, and I've always had an issue with trying to repay my loan. I've would like an affordable income driven repayment plan, but it seems all that I've ever been offered when I fill out paperwork for income driven repayment plan is to XXXX back, and this amount is what I owe for a year. All the while I know that I'm accruing another year of interest. I've spoken with Navient representatives about trying to just mail XXXX a month or something affordable and was told none of that would even go toward paying off the principle because I owe way more than that in interest every month. Another representative told me once that I should defer my loan for the next 20 years because after that it would be forgiven anyways. I've felt something is wrong with Navient ever since they took over my loan. I will never be able to pay this loan back with how high my interest rate is.
XXXX  , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX   and XXXX.
On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.
This pertains to the Equifax security breach where my personal information were compromised. While I understand that Equifax is as much a victim in this as I am, I had placed my trust in them to protect my identity. While I do not fully understand the technical details of the systems they used, and the maintenance they performed on them, I do believe that for a company that handles such delicate information, their systems should have been more secure.
I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of modesto with original balance of {$350.00}. when they decided to sell it to this third company they decided to put it as a new collection that just open in XXXX of 2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
I   XXXX   XXXX   am writing this request due to incorrect reporting on my credit file.     I went into   XXXX   XXXX    (    XXXX   XXXX   XXXX   ). On   XXXX   XXXX   because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to   XXXX   XXXX  . I then spoke with Owner   XXXX   XXXX   and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by   XXXX   XXXX   that the credit pull on  XX/XX/XXXX  and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XXXX  . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because   XXXX   XXXX   me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that   XXXX   XXXX    Inq  uiry be  removed  My my cr edit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  7 othe r company 's without authorization or consent.     Including :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , MN  XXXX  The inquiry was submitted on    XXXX   XXXX    and on   XXXX   XXXX   XXXX     without authorization or consent.     2.   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , PA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     3.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     4.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , TX,  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   Without authorization or consent.     5.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX  . Both without authorization or consent.
Our mortgage is included in Bankruptcy and payments are being made through bankruptcy filings.

A large tree fell on garage causing damage. Homeowners insurance issued a check for repair in amount of {$8400.00}. This check was written out to homeowner, homeowners girlfriend ( insurance in girlfriend and the homeowners names ) and mortgage servicing company ( Fay Servicing LLC ).

Mortgage servicing company states to endorse check from insurance company and send to mortgage servicing 's Loss Drafts Department.

We were assigned an Account Manager who sent out a packet of forms to be filled out and returned and requests for o the her paperwork. All items to be received by Loss Drafts Department prior to issuance of partial release of funds for repair.

Two Account Managers later, multiple requests for duplicate paperwork and endless unreturned emails to Account Manager, we still have not received any of repair funds so garage repair has not been STARTED.

The damaged occurred on XX/XX/XXXX Its now XX/XX/XXXX. This mortgage servicing company has multiple complaints from other customers pointing to issues with getting funds from them for repairs.

They are holding the money hostage from MY insurance company for repairs on MY property.
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
I have a collection account for {$30.00} appearing on my Equifax credit report, but no other credit report. I believe it is a debt I paid a long time ago, but the Equifax report does not have enough information to accurately identify the creditor and account. I disputed this with Equifax, but their online system will not allow me to see the results of the dispute. 

The amount is negligible. I would pay it again just to clear the credit report, even though I don't owe it. But Equifax does not even provide enough information for me to be able to do that.