WillisBack/dataset-financial-user-claim huggingface dataset:
3rd request ... Astoria Federal Savings bank is still reporting that the mortgage that was paid off in XX/XX/2014 was " Settled for less than Balance '' with XXXX. With your help, the bank has finally cleared up the false reporting statement and correctly removed the negative payment information with XXXX and XXXX. It 's taken nearly two years, and I thank you. The negative information has caused me to be forced into paying a higher rate on my new mortgage by at least .25 % and has prevented me from gaining additional credit on a new credit card.
Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..
" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.
I applied for a reduced payment plan two months ago and my servicer is yet to acknowledge it in writing. Whenever I call in they say the payment will be changed, but nothing ever happens.
My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.
First off, I want to state that this issue was eventually resolved by Navient. I have only just learned of the lawsuits pending against Navient, however, and wanted to submit this information in case it might be pertinent to the legal issues at hand. 

In XXXX, I applied for my income-based repayment planned to be renewed. When Navient responded, they sent a letter stating that my application was denied. I contacted Navient by phone because I felt I qualified for the renewal and wanted to know why they had chosen to deny it. The Customer Service Representative with whom I spoke put me on hold while she checked my account. She then informed me that my receiving the letter had been the result of " a glitch '' and that my repayment amount would stay the same ( {$0.00} ). She also assured me this payment amount ( {$0.00} ) would run for one year after my initial plan ended and the renewal began. 

Not long after speaking with the CSR, however, I received an email from Navient telling me that my monthly payment would increase to {$63.00} and the first such payment would be due on XX/XX/XXXX. 

I made by second contact to Navient through a form on their website. The representative who responded told me the same as the first -- my application had been received, processed, and approved. I was told that it would go into effect before the XXXX due date so there was nothing for me to worry about. 

I logged into my Navient account on XX/XX/XXXX to check to make sure the payment had been adjusted. What I found, however, was that my account then showed as " PAST DUE '' with a new payment amount of {$120.00}! On that date, I contacted Navient for the third time total, my second written communication ( again, through their website ), and demanded immediate action before my credit rating was effected and late fees accrued. 

After that third contact, my account payment balance was finally reset to {$0.00}. 

I have renewed that same plan in XXXX and again in XXXX without issue. 

Again, this matter was eventually addressed by Navient but it took my contacting the company 3 separate times over the course of 3-4 months for them to correct an issue which I was assured to be correct from the outset. It is my opinion that this was an attempt to  strong-arm me into making a payment ( or multiple payments ) when I was not financial able to do so, and I found these tactics quite unethical. 

( Because this happened more than two years ago, I have very little proof. The written communications through the website are no longer accessible on my end, as communications older than one year are routinely removed from the message system on site. These communications should be included in my account history. The one thing I still have and am including as an attached image is a copy of the third communication that I sent in this matter. By that time, I was concerned that I might have to pursue legal channels, so I made a point of keeping a copy. )
In XXXX of 2017 I received a disaster relief loan from XXXX XXXX XXXX XXXX. They advertised this loan as one that did not depend upon credit worthiness and had a low interest rate. I had problems from the beginning and based off of conversations with other consumers who received this same loan, their unfair treatment towards me was racially motivated and they were biased. Without my permission they pulled my credit and denied the loan initially. I had many a heated conversation with employees and finally managers about XXXX pulling my credit without my consent. A high level manager approved the loan and told me they would be removing the inquiry from my file immediately. That never happened. I am fighting now for two reasons. 1. They need to remove the illegal inquiry from my account immediately! The agreed to do so during the process last year, but have yet to do so. 2. They are in violation of the Fair Credit Reporting Act and other laws at this time. I became ill and unable to pay my bills for a few months. Instead of following the law, this evil disgusting vile company has been reporting inaccurately on my credit file making it impossible for me to obtain housing! I have tried relentlessly to work with them, even offering to pay all of what is owed or pay many bills in advance and put the rest on an automatic withdrawal system so I can get housing. They have refused. They are the ONLY company that has refused to work with me. This is a DISASTER RELIEF loan! My credit was not used to get me the loan. They can not legally report. Looking back, perhaps this was their plan all along. If people are in need of disaster relief perhaps they may fall behind and this was their illegal way of making sure it got paid. XXXX had no interest in helping people. They were interested in getting money! At any rate they only treat their customers of color in this manner and I want justice ... Immediately! Thank you.
on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.
I work in a XXXX and have told Performat Recovery not to call as they are disturbing patient care and they have ignored my requests and have continued calling and harassing myself and fellow employees.
Am Ex Account ending in XXXX Membership Rewards Number- XXXX On XXXX XXXX, 2016, I applied for and was approved for the American Express Platinum card. This card required spending {$3000.00} within three months and receiving XXXX points in return ( XXXX ). 

Am Ex is now refusing to honor this agreement ( as well as XXXX other people who are in this same situation ). All of my expenditures were legitimate and I reached the spending required on XXXX XXXX, 2016. 

Put simply, Am Ex accidentally made public a private offer, I was approved and they are now seeking to punish those who appropriately applied and were approved. 

Additionally, Am Ex has frozen my ENTIRE rewards account, preventing me from not only using the XXXX points for the Platinum card, but an additional XXXX points which are in the account and have nothing to do with this promotion. 

I am simply asking that Am Ex honors its agreements and stop punishing their customers. I have been an Am Ex member for almost 20 years, they have made thousands of dollars in profit from me, I have never made a late payment and there is no basis for the denial of the benefit Am Ex agreed to. 

Please contact me if any questions and thank you.
I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.
I do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. 

Please remove this account from my credit file.
I have an account with XXXX XXXX which is closed for XXXX. The account is now reporting open on my equifax but closed on my XXXX and XXXX. Equifax is reporting the wrong information and is affecting my credit score and history.
I am a Navient Studen Loan Borrower and have been a victim with issue of them not informing me as a borrower of certain information, not accepting my AutoPay payments forcing my account to go delinquent, negatively affecting my Credit score were I could not find a place to live, and falsing credit information. I contacted Navient and demanded the information and account be rectified. I was asked to submit documentation to prove my case. I submitted all my documentation and they have no rectified nor responded to my situation. 

I need help. My loans are at XXXX, I am a XXXX XXXX, XXXX XXXX that is suffering from a company I thought was helping me. They ruined my credit score and I ca n't even get a loan to buy a house or apartment. I pay all my bills on time and have never missed a payment. I do n't know who to go to. Please help me.
In a recent dispute, the results came back verified. What was your method of verification? How did you verify my public record? I contacted the court house and they said they do not report any information to the credit bureau? 
All information on my credit report must 100 % accurate or it must be removed.
I have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.
I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated
In the complaint XXXX ; The part of Bank of America was closed because they said that I was not authorized to receive information about this loan. The XXXX of XXXX, I spoke by phone with the specialist XXXX XXXX and I explained to her that I had also signed the loan origination documents. They decided to send me by mail the documents of authorization that I never received. 

I am including the documents of origination of this loan to demonstrate that I also signed this loan meaning that I am authorized. I also include a letter of XXXX recognizing that I am part of this loan. I need that Bank of America review carefully this documents to they can cooperative with this complaint I request that the Bank of America send the required information to be able to solve this case. It was not fair that my case gets closed. I request that you talk with Bank of American because I have a right to receive that information, because I was the one who paid that loan and was sued by Countrywide. 

The loan is under the name of XXXX XXXX XXXX XXXX, my ex-husband and I, XXXX XXXX XXXX XXXX.
On XXXX/XXXX/2016, I had purchased a truck from XXXX XXXX. I told the finance manager I would have the funds to payoff the truck in 5-7 business days. They assigned Wells Fargo as the payee. They told me the payoff amount would be {$42000.00} as stated in the sales contract and that I would make that payment to Wells Fargo. About a week later, I received a statement from Wells Fargo dated XXXX/XXXX/2016. The billing cycle due date on that statement as well as in the sales contract was XXXX/XXXX/2016. There was no payoff amount in that statement and I had to call Wells Fargo to confirm the payoff balance. I didnt get the reps name, but I specifically asked her to give me the amount to payoff & close out my account and she had given me the same figure on the sales contract : {$42000.00}. I immediately went to my nearest Wells Fargo branch to payoff the vehicle. The receipt from the branch shows that {$42000.00} was posted to that account on XXXX/XXXX/2016. Three weeks later I get a statement dated XXXX/XXXX/16 from Wells Fargo that shows my account was not only open, but I was charged {$50.00} " interest ''. Statement shows that account did not post for the full amount I made at the branch which resulted in the account being left open. I called the XXXX # on the statement which is actually the collections dept for the Wells Fargo dealer services division. I got nowhere close to resolving this and none of the people including the " supervisor '' would give me their full name or even the name of the top manager of that dept. The terms of the sales contract clearly states that I would pay no prepayment penalty. The contract was also very vague or wouldnt state at all when interest would start accruing and whether or not I would pay interest if account was payed off before billing cycle due date. I paid it off on XXXX and the XXXX due date was a month later on XXXX. Based on my past experience with other banks and financial institutions, Ive never had to pay interest on loans ( including auto ) when I paid off the balance in full before the billing cycle due date. I did not need to or wanted to take out a loan for the vehicle since I was able to pay it off in less that 7 business days. Had I known I would have problems with Wells Fargo, I wouldve stopped the dealership from involving Wells Fargo in the transaction and just pay the dealership directly. I 'm not just upset about the {$50.00} " interest '' charge. I 'm also not surprised that Wells Fargo is using an unethical gray area loophole to keep my account open, extort " interest '' charges '', and hold my car title hostage. I am filing this complaint because I want Wells Fargo to close out my loan account and release my car title regardless of whether or not I have to pay that {$50.00} " interest '' charge. Because of Wells Fargo 's criminal indictment by the Justice Dept. for fraud and misconduct, I can not trust them to do the right thing.
Some one has placed a credit freeze on my credit account. When I call about having it removed I am being told it will cost money to remove the credit block. I need to have my credit pulled to get a better interest rate on my vehicle with    XXXX   XXXX  .
I have Best Buy credit card ( Citibank ), and have been receiving harassing calls after paying my {$25.00} payment - not exactly a huge debt. 

With my husband having been recently been hospitalized, right or wrong, that small payment was last on my to-do list. Yes, I was late ; however, I took the initiative to call them directly this morning ( approximately XXXX on XXXX ) to make XXXX payments ( {$50.00} ), including the scheduling of the next. By about XXXX, I noticed I had missed another call from Citi/Best Buy with regard to my outstanding payment despite having satisfied it. In response, at XXXX, I called Citi/Best Buy again to ensure that my account was up to date, considering I received such confirmation earlier in the morning. She said all was well, and that they 'd cease the calls. 

Sure enough, at XXXX I was called again by the same number ( XXXX ). This time I explained to her that I 'd verified TWICE that my account was up to date, and that this was the second harassing call after having paid. I politely warned them not to call again, but my expectations are low. The representative, in a condescending tone, blamed it on their auto dialing system. She abruptly hung up on me after I mentioned the fair credit reporting act and my intent to file a complaint. 

As someone who worked for a XXXX XXXX institution that took its fair share of penalties a few years ago, I know there is absolutely NO reason that their so-called " dialing system '' ca n't be linked to updated account data. It 's ridiculous and rude. I 'm sure I 'll get another at XXXX and likely again tomorrow. If there is anything that can be done, I would appreciate it immensely. 

I did a little research on the toll free number I mentioned above, and saw similar complaints on XXXX notes-type sites. Apparently Citi and Best Buy are known for this. ( I have accounts with other institutions, and have not had a similar issue. ) Thank you.
I received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.
The debt attached to the vehicle that is in question does not belong to me since the vehicle was sold on  XXXX   XXXX ,    2015 and a contract was made between me and another party that signed a document transferring the ownership and liability of the vehicle from me to them. A release of liability was also filed to the dmv after the purchase and the vehicle was taken off from my insurance. I provided evidence to the company of the contract and information of the vehicle 's owner to my current knowledge. The company Data Line Credit Corp. failed to provide me with the documentation I requested including detailed infor mation of how they arrived with the debt amount and still requested an arbitrary debt to be paid even though it is against Californias Fair Debt Buying Practices Act. The attachments include copies of documents that were exchanged and detailed dates of when they were sent.