WillisBack/dataset-financial-user-claim huggingface dataset:
Its has been eight years since i have attended XXXX College XXXX and have had multiple conversations with XXXX XXXX Navient now XXXX XXXX XXXX XXXX who is now the " middle man '' between myself and XXXX XXXX . After agreeing to pay back XXXX $ a month for the foreseeable future i was on my way. I have made about 11 payments in a row with out any problem until my current job ( XXXX XXXX and XXXX XXXX ) did n't pay me for the work i have done. I have not been paid in a month. The situation did n't improve and i had to apply for unemployment. I called my XXXX XXXX stating the situation and they advised me on my options and were helpful explaining Deferment and income based repayment. XXXX XXXX were less then helpful. XXXX XXXX XXXX XXXX explained that they would talk with XXXX XXXX Navient on my behalf to help me in my situation. I was accepted in the interest program with XXXX XXXX XXXX and if i didnt pay they would kick me out. So i received a phone call from my representative from XXXX XXXX XXXX saying that i can stay in the program but have to pay XXXX dollars a month just to stay afloat in the program but i will still be accruing interest. How is this fair that Navient can ask me from money that is technically the governments money? ( because i 'll have to pay it the government ) I barely making ends meet looking for work.
I signed up for loan forgiveness with Equitable Acceptance. Upon further research I found out from my lender Equitable Acceptance can not forgive my loans and is in no way providing any loan/debt relief help. I was further informed that no such company exists that can offer loan forgiveness and I need to take action to cease communication with these scammers.
I have two collection accounts which are unfairly reporting on EXPERIAN, XXXX AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
I was contacted by XXXX XXXX, advising me that my credit score went down due to XXXX XXXX reported a negative collections on my account. I 'm requesting a investigation and for this inaccurate information on my credit report to be removed. I have never received or agreed to having any cable or any service from them. I transferred my XXXX XXXX services to another address which XXXX XXXX stated they could n't install my cable boxes. XXXX XXXX had to install the boxes XXXX XXXX  XXXX was paid in full for installing XXXX XXXX boxes.XXXX XXXX sent me something in the mail inviting me to have service with them I respectfully declined.I have never set up account with this company nor would I ever use them as my cable provider. I made a formal complaint against them when they installed XXXX XXXX boxes. I was given a credit due to their poor installation services. This company should be fined for charging for service they never provided. I have requested from them to send me a copy of an agreement with my execution of signature and agreement to any service and proof of service their claiming they provided. 
I received a call from a rep at XXXX XXXX stating I owe {$56.00} I asked her what was the charge for, she stated for cable service. I explained to her that I never agreed nor had any service with them. This is company is a fraud. I have a right to choose who I want to do business with. they have reported this on my credit with brought my credit score down almost XXXX points due to this false credit reporting. please investigate and remove this from my credit report immediately.. 
Thanks in advance
My XXXX debit card was taken by the ATM at the Capital One, NA branch located at XXXX XXXX XXXX, XXXX, Maryland XXXX on the evening of XX/XX/2018. Upon the bank opening at approximately XXXX on XX/XX/2018 tried to retrieve my ATM card. I spoke to one employee and the Branch Ambassador, Ms. XXXX XXXX. They were unable to provide any relief to me on my missing card.
I paid off debt on a bodily injury claim filed on my credit reports as XXXXXXXXcounty court in XX/XX/2018 and not notified yet and still shows on all my credit reports
I have been trying to access my synchrony bank account through amazon for weeks. they say my bill is late and when I try to pay it I can not open my account. this has happened several times they are the worst company I have ever worked with, they are completely non-communicative and seem to take measures to keep one out of ones account. Please help, this effects my credit rating. XXXX
On XXXX XXXX,2017 I contacted Convergent Outsourcing and I had no problem paying the settlement amount but I wanted to be 100 % assured that it would be completely deleted off of my credit report once it was paid. The agent assured me that it would not be on my credit report any longer once I paid the asking amount. Now, 3 months later and the account is still showing on my credit report as a collection. Very unprofessional to reassure someone something that isnt true.
The server error that Transunion had that deleted inquiries and public records from my credit report and later reinserted then without written notification after, they failed to follow th e Legal pr ocedure to do so. I called Transunion and the customer service representative would not help me and take care of the negative inquiries and public records reporting on my credit report.     The following public record and inquiries needs to be deleted!       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment. 
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders. 

They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already. 

This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this. 

Rushmore 's business practices verge on criminal.
I bought my house in XX/XX/2005 with a VA home loan for a 30 year mortgage. My wife usually handles the house payments but recently I looked at one of the statements to see how much we have paid down on the mortgage since we have been here for almost have the 30 yr term. When I looked at it I noticed that they had down on the statement that we had a 40 yr mortgage. I told them this was wrong and that I wanted a complete copy of all paperwork involved in this. By law, VA home loans are only authorized for 30 yr mortgages and Wells Fargo is in violation of this. I never recieved any paperwork from them and to this day have still not recieved any explanation to this.
I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.
There are several account currently showing on my credit report which I have asked the credit bureau to verify as accurate the credit bureau has not provided and documents to me confirming the items were in fact verfied and accurate so Im requesting that the items be removed ASAP until the creditors can in fact confirm the accounts are valid which they are not Im also requesting several inquiries be removed as they were unauthorized also there are 2 phone numbers and a name appearing on my file which DO NOT belong to me Transunion has failed to remove these items after I requested it on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX XXXX XXXX. # XXXX XXXX XXXX   # XXXX XXXX  / XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.
I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   XXXX  and Trans Union ; but they continue to verify a balance owed when there is not one owed.
EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX
Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people.
Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ). 

On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ). 

Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ). 

Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.
Equifax sent me confirmation # XXXX about my account with XXXX XXXX XXXX stating that the creditor is currently reporting a XXXX balance for the said account ( Account Number #  XXXX ). Upon researching the paperwork that Equifax sent to me the account number XXXX still shows a balance of XXXX. This is against the FCRA and against the Law and its disturbing to know that Equifax does not handle their paperwork correctly. If this is n't corrected like its suppose to be as stated by Equifax I will take measures to take them to court. This is unexceptionable and its ruining my credit.
The financial company ( Ditech Financial LLC ) acquired my mortgage, so I am not familiar with the company. They received and processed a payoff on XXXX XXXX, 2016. I have received from Ditech my escrow analysis statement dated XXXX XXXX, 2016 and received on XXXX XXXX, 2016 which shows the overage and escrow amount due me in a refund of {$3200.00}. I have also received a statement of recorded satisfaction or release of mortgage dated XXXX XXXX, 2016. 
I have not received my refund of {$3200.00}. I have made four calls dating from XXXX XXXX, to XXXX XXXX, 2016. Each time I have been given a different response about my refund. 
The first response, the check was mailed to me on XXXX XXXX, 2016, so wait a few days. I waited a few days and placed another call, this time I was told the first response was not correct, the check will be sent out on XXXX XXXX, 2016, thirty days after the payoff, I waited, no check, my third call, XXXX again said I should have received the check sent out on XXXX XXXX, 2016. I waited placed another call to CSR, this time it was back to XXXX XXXX, 2016 when the refund was processed and sent out. 

It has been forty two days ( 42 ) since the payoff and I can not get a straight answer or my refund from Ditech Financial LLC I am seeking your assistance in helping me with this matter. 
..
I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.
When I attempted to place a credit report freeze on my account, Equifax WARNED the PIN they would send MUST be used to access ( unlock ) my credit report. 
Their transmittal : Could'nt open PDF So now my account is frozen, and I NEVER received a PIN to unlock it. 

I am dissatisfied to accept Equifax 's offer of one year credit monitoring as I read it is BUNDLED ( in the fine print ) to an arbitration clause. Anyone with a brain understands arbitration is a FRAUD perpetrated against consumers. Which you seem fine with. Tells where your paychecks are REALLY coming from. 

Attempting to place a credit report freeze at XXXX  has been IMPOSSIBLE. 
Online, they as much as call me a liar and refuse to allow a freeze. They then recommend I call XXXX XXXX XXXX XXXX to speak with an agent who will pace a freeze. 
Great. Until you realize they will NEVER answer. I have made multiple attempts, given my SSN, zip code and street address number to their XXXX robot answering machine and then am dumped into a ( never answered ) cue. 

MY data was stolen. Now this breach is being compounded by the relevant credit reporting bureau 's REFUSAL to allow safeguards to be emplaced. 
Please save this communication for referral should litigation become necessary. 

XXXX, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Notified Loancare mortgage company of home insurance rate premium decrease and requested Escrow re-analysis on XX/XX/XXXX. Was told that would be processed and I would be notified. I did not  receive communication, therefore, I called and was told on XX/XX/XXXX that the re-analysis resulted in a monthly payment reduction ( they told me the amount change - which was expected by my calculation ). At that time, was told that my auto draft from my bank account on XX/XX/XXXX might not reflect the reduction due to timing, but that the correct payment would be deducted by the next payment. However, on XX/XX/XXXX the previous amount was deducted. I called after XX/XX/XXXX deduction and was told that an escrow re-analysis was performed but someone did not check a " button '' to change the auto draft. The customer service rep stated that they fixed the issue. Then came XX/XX/XXXX, the previous payment amount was once again auto withdrawn from by bank account. I called and spoke to a customer service representative on XX/XX/XXXX who stated that an escrow re-analysis had not been performed ( mind you, I had already received information that it was & the new payment requirement in XX/XX/XXXX ). I  asked to speak to a supervisor. The supervisor told me that the insurance premium might not have been communicated to them. However, it already had been in XX/XX/XXXX and the company told me what the new amount would be. The supervisor said she needed to get in touch with the XXXX XXXX office and would get back with me within 48 hours. It has been 4 days. I have called, today XX/XX/XXXX and had to leave a voicemail with the supervisor. I just need my monthly payment to reflect the decrease in my insurance premium, however, this company is clearly unable to process this appropriately and I am paying extra money each month due to their incompetence.
In   XXXX   XXXX   XXXX   filed   XXXX   XXXX   XXXX   Bankruptcy. I continued to make monthly mortgage payments of {$580.00} to   XXXX   XXXX   for my first mortgage. I was not notified by my attorney or   XXXX   XXXX   of an increase in my mortgage payment to  XXXX  as of  XXXX  of  XXXX  and continued to pay {$580.00} monthly. I paid all mortgage payments directly to  XXXX  Bank by electronic transfer from my personal checking account during the bankruptcy. In a certified mail dated  XXXX / XXXX / XXXX , I received legalnotice from   XXXX   XXXX   demanding {$1900.00} alleging that their records showed my account  XXXX  payments overdue. At that time  XXXX  Bank had " unapplied funds '' that I paid that were not credited to my mortgage account. A  XXXX  Bank statement dated  XXXX / XXXX / XXXX  states that I owed {$1300.00} due before  XXXX / XXXX / XXXX . I sent payments of {$700.00} on  XXXX / XXXX / XXXX , {$630.00} on  XXXX / XXXX / XXXX  for a total of {$1300.00}. A letter from  XXXX  dated  XXXX / XXXX / XXXX  states that as of  XXXX / XXXX / XXXX  my new payment amount was {$600.00} and requests an additional payment of {$520.00} by  XXXX / XXXX / XXXX , which was  XXXX  weeks before the date on the letter and  XXXX  weeks before I received the notice. I have also been charged a number of " late fees '' and  XXXX   XXXX  by property inspection '' fees for which the bank has not provided an explanation. I have called the bank several times, without a resolution of this issue. They said they would call me back.
I was a victim of serious Identity Theft, I was out of the country for several years, as a XXXX XXXX in a 3rd world country. I have a Issue with KOHLS department store, they open the 1st account in XXXX and I was able to get an alert and I had them to close it because I was out of the country. Kohls refuse to remove that account even with the XXXX balance. I want it removed it does not belong to me. Kohls department store then open a 2nd credit card in XXXX someone racked up {$910.00} dollars of Identity theft credit card fraud. I sent police reports once I made it back to the united states, I even got the attorney generals office involved. they refuse to take it off I been fighting to close it from XXXX when I saw the 2nd Kohls account. The Company has been very sketchy, I do n't want my credit profile to say it meets federal code or what ever they are putting on my report. this account was not open by me. I had fraud alert and no accounts should have been open without calling the phone number on file. this is against the ; law. I want this account to be removed from all credit burials and my reputation be restored. I have been treated worse than human when I call and it looks like Kohls is the place  to open fraud accounts, might be a inside job.