WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested several times that all interactions, bills and other changes be sent through the mail and my address has been updated several times online and over the phones. I was set up for XXXX months of auto-payments that I guess ended in XXXX XXXX. But I have never received a single piece of mail, phone call or email about them ending. Sallie Mae has told me my mail is being sent but where is it going? I also provided them with my main email address and phone number and no calls about the auto-payments coming to an end. 

I was told I was set up with an account manager who should be calling me but have never received a single call from her about my account. This is the 2nd time I have had issues with payments and no information was sent to me. I moved in XXXX of XXXX and I changed my address online, nowhere did it say that I also had to call and update my address in order for my auto-payments to be taken out. If I update my billing and mailing address online should that not be entered into their system? If not should they not have contacted me by mail, email or through the phone numbers I have provided? 

The only reason I have realized something was wrong with my payments was when it was reported to XXXX XXXX and my credit monitoring companies let me know something was wrong. Prior to my credit monitoring companies alerts about an issue Sallie Mae failed to reach out to me in any way. 

Once again Sallie Mae says they are mailing my correspondence but I only receive emails saying your Tax information is ready and check your XXXX credit score. That information is not that important when my credit and payment history is being affected because of the lack of communication on the Sallie Mae end. How is it that every month my statement does not make it to my physical mailing address or my email address? But when asked one agent told me I have requested all my information to be sent by mail and another agent told me I had requested all my information to be sent electronically through email? 

This issues with my payments and lack of communication on the side of Sallie Mae is causing me issues when it comes to moving forward in my life because they keep dinging my credit every few months.
A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of XXXX.
I 'm only XXXX and never had an account in my name before and just found out that I have this collection on my report the do n't belong to me
Myself and my same-sex partner are currently in a 30-year fixed FHA mortgage. In XXXX, we were originally contacted by PennyMac to do an FHA streamline refinance because rates were favorable. After talking with the sales agent, we decided to apply for a 30-year fixed conventional instead in order to save having to pay MIP. We were verbally told over the phone that the underwriter did not find the evidence of extenuating circumstances sufficient enough to forgive a foreclosure that happened 6 years and 11 months ago - 1 month away from 7 years when it would drop from my record entirely. I then asked the sales agent if we could go back to the FHA Streamline Refinance and he said " Yes - and it would still lock in your very low rate ''. Later that same day, he copied me on an email to the loan processor and underwriting requesting that my application be switched to the 30-year streamline. 2 days later, we signed the application and loan disclosures for the FHA streamline at a 3.25 % rate. We submitted all signed documents a couple of days before the XXXX XXXX elections in the U.S. Our rate was locked until XXXX. However, shortly after the elections, mortgage interest rates went up considerably and quickly. We did not hear back from anyone at PennyMac. When I finally contacted them a week later, they verbally told me over the phone that the underwriter on the conventional loan DENIED and CLOSED our application so we lost our rate lock. Despite this, I have an email messages that asked the underwriter and loan processor to CHANGE our application - which were sent on the day we were verbally told we were denied. I have YET to receive any documentation in WRITING of our denial / cancellation and the reasons given. Whenever I 've inquired why the loan processor and underwriting did not follow the instructions requesting to switch to an FHA Streamline, I 'm given an " I do n't know '' answer and that the issue would be escalated to management. The sales person, of course, offered to start a new application but since market rates have gone up since we originally applied, the new rate offered was 4.125 %, not 3.25 % which we had originally locked. I suspect that PennyMac is failing to comply with fair lending practices because interests rates rose by almost a full percentage point after the election which was considerably higher than I had " locked in ''. I asked that the issue be escalated to upper management and that I receive follow-up explanation and written documentation. That request was processed on XXXX/XXXX/XXXX ( per email from sales agent ). As of the date of this complaint, ( XXXX/XXXX/XXXX ), I have received no resolution, no explanation, and no denial / cancellation documentation.
There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency.
I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.
I received a copy of my credit report on  XXXX / XXXX / 2017  and noticed that Receivables Performance has listed an alleged debt on my report for {$460.00}. I immediately contacted this company by certified mail #  XXXX   XXXX   XXXX   XXXX   XXXX . Receivables performance was in receipt of this letter on  XXXX / XXXX / 2017  that informed them that I am disputing this debt as this account is NOT mine and I have never done business with the original lender or this third party agency. I requested full validation/verification on this account and per the FDCPA, gave them 30 days from the receipt of the letter to complete this request. Per my rights, failure to verify the accuracy of this alleged debt is grounds for removal. As on  XXXX / XXXX / 2017 , Receivables  Performance  has ignored my request and failed to provide the information I have requested. This account is not mine, and I have NEVER done business or signed a contract/agreement with the original lender or the third party that is inaccurately reporting.
AllianceOne is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever signed ANY document, agreement, or application with them for ANY service, or contract. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Capitol One Visa Platinum Account Credit Card ending in XXXX charged me {$10.00} cash advance fees that I never authorized and thebank refuses to send me a copy of cardholders terms and condition or my original signed agreement that show that I agreed to these fees. Capitol One Bank Account Supervisor refuse to escalate the call.Tonight I spoke to XXXX who refused to set up a case for the executive resolution or to escalate the call..He also refused to set up a dispite for the {$10.00} cash advance fees. 
I was charged a {$10.00} fee on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XXXX refuses to acknowledge complaint and bring this matter to attention of his management. Also they are charging me 16.55 % which I never agreed to
I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX  XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
BANK OF AMERICA XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX XXXX and the XXXX ).
I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!
XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.
This complaint is related to my home equity line of credit. I have a permanent late fee suppression that was supposed to be placed on my account. In XXXX due to a technical issue they started charging me late fees again. After numerous complaints they admitted their fault and fixed the issue and sent me a letter in writing admitting to their mistake and agreeing to fix the problem and never charge me a late fee again no matter the circumstance. But guess what, Wells Fargo is notorious for failing to live up to this obligations and promises and most recently as of XX/XX/XXXX charged me a late fee again. How is this bank allowed to keep its charter? They have committed fraud across a wide swath of their lines of business which they have actually admitted to, lied to its customers, stolen from its customers, and failed to live up to their obligations. Not to mention lied to the government and regulators as it relates to their cleaning up of past abusive, negligent, and proven fraudulent business practices. I have been damaged in so many ways by this bank but unfortunately since they are the servicers of my mortgage and home equity line of credit, i have to remain dealing with these unethical crooks. On top of that, they have failed to help me in my time of need and hardship to modify my mortgage to an affordable payment. That will be a separate complaint with detailed evidence of their gross negligence and fraud.
Wells Fargo, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See  attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers
Wells Fargo has had me paying a loan that was discharged XX/XX/2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired to the payoff amount and asked my loan payoff be reported to the credit bureaus. XXXX and XXXX both sent paperwork showing the loan was discharged in XXXX 2010.
Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.
PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. 
We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. 
Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. 
Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. 
I URGE YOUR IMMEDIATE ATTENTION, PLEASE.
On XX/XX/2018, I filed for a modification of my mortgage with Wells Fargo. On XX/XX/2018, the company I was working with received an email stating that the the said home in question had been sold, and in turn denied the modification. I then called the mortgage company to ask why they reported that the home had been sold. They stated that they had not said that to the company I was working with and had given them ( the mortgage company, Wells Fargo ) the right to speak with. They also said that they had the signed permission to speak with the company that was representing and filing my modification, from me, but had not spoken with or had any communication with anyone. 
This was not true, I have an email that was sent to the company representing me from the mortgage company ( Wells Fargo ) .The email states that the modification was denied because property has previously been sold. 
The mortgage company also knew of my being in bankruptcy, as I and my attorney had informed them, and they knew that the property in question was not sold.
Company CareCredit/XXXX XXXX Previous balance XX/XX/2018 {$1700.00} with 1 % interest rate New balance XX/XX/2018 {$2700.00} with 26.99 % interest rate interest charge ( net ) {$1000.00} The math does not add up, why so much?
Dear Citi/Best Buy Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting solar panels to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XX/XX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.
My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).
I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.
I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness
After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. 

Please provide breakdown of fees including collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.