WillisBack/dataset-financial-user-claim huggingface dataset:
My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession.
I reached out to my loan servicer via telephone on XXXX/XXXX/XXXX re : loan payment deferral to to me and my family being impacted by the recent Hurricane. I was told by the CSR that he could not assist w/ my concern and he would ensure a loan officer contacts me within 48 hours. As of yet, a loan officer has not reached out to me. 
On XXXX/XXXX/XXXX I reached out to XXXX XXXX via email at : XXXXXXXXXXXX regarding my concern and have yet to receive a response. 
On XXXX I reached out to Customer support via email at : XXXXXXXXXXXX and received an auto email acknowledgement with a reference/ticket number is XXXX, as of date no response or reply to ticket.
The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.
Please Be Advise this debt is well over the statue limitations for Arkansas but they keep coming back saying its only 4 years this a medical debt which originally was in XXXX. 
The insurance didnt pay because it was a specialist no referral this was on my credit report in XXXX.
This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.
I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my  XXXX  and  XXXX  please remove it.
Received a collection letter from Alliance One on XXXX/XXXX/2015 dated XXXX/XXXX/2015 attempting to collect an incorrect amount of {$6.00} with additional fees of {$6.00} for a debt from the XXXX program that is not due until XXXX/XXXX/2015 dated XXXX/XXXX/2015 in the amount of {$4.00}. This debt collection is attempting to collect when the bill is not even due. And XXXX letter threatens to issue a traffic citation if not paid. IT IS ILLEGAL TO USE AGENCIES TO COLLECT DEBTS AS PAST DUE WHEN THEY ARE NOT DUE! XXXX DAYS IS NOT ADEQUATE NOTICE FOR ANYONE TO PAY! 

I am absolutely ticked off enough to never travel to Florida again over a {$4.00} toll where the state is too cheap to have toll booths with people collecting {$1.00} to use the road.
On XX/XX/2018, I was notified of an auto payment to Navient being processed. This is an option that I selected to be enrolled for over a year. With this feature, I've had consistent payments for the life of the loan. The issue I am experiencing is an overcharge. They state that I manually set it to make a payment in addition to my monthly payment. The set auto pay amount is monthly repayments of {$50.00}. The overcharge was {$130.00}. I've called Navient and they have recommended I stop the transaction with my bank to remedy the situation since a refund may take 2.5- 3 weeks to process. I called my bank and they mentioned that I will have to pay a {$30.00} processing fee in order to stop a transaction. With this in mind, I am filing this complaint that Navient is making unauthorized transactions without my consent. They are overcharging me {$130.00} + Auto pay {$50.00} with a total of {$180.00} this month. I do not have any issues with the auto payment of {$50.00}. But it is not acceptable for them to state that I manually scheduled a payment of {$130.00} in addition with my auto-payment.
I 've had my past rental history checked by large and small rental services and I 'm told that I have evictions on my record. I 've never been evicted. It appears that because I was late with my rent some years ago in XXXX ... I was put on an eviction list ... or something to that affect. But, I was never evicted or even close to it ... I never even got a full month behind. But for some reason I show up as having had evictions. The credit reporting agencies for rental info is reporting incorrect/incomplete information. This has caused me to remain stuck in a less than desired apartment for fear of being rejected for rental again.
My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.
I called BOA on XX/XX/2018 and wanted to make a payment and setup a RPP. the agent advised me she was not able to setup a RPP because their system was down. She took my name and nymber to setup a call back. no one called me on XX/XX/2018. i called on XX/XX/2018 for same issue., The agent said their system was down and would have to call me back. no one called me back. i called again i left a message to my SPOC to call me. He never called me back either. on XX/XX/2018 i called to speak w/Manager, which was not avaialbe. The agent took my payment and then stated she could not setup my RPP plan after she took my payment. I told her that was all the funds i had because i wanted to use them for the RPP. She said a down pmt was not required and i said that was incorrect they have always asked for a down pmt. so the call was then disconnected. So now i am due for 3 payments plus my XXXX pmt and i paid {$500.00} on XX/XX/2018 and still have no RPP on my account. I can afford a payment of {$800.00} to help me bring my acct current, I wanted to give my financials over the phone and she said i had to fax them. so much is required for a RPP when back then i could just call and get that taken care off. I need some of my late fees waived and set my acct on a RPP.
1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX  and Ally Bank a.k.a Ally Financial Services they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX  and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.
I contacted Wells Fargo Auto Loan Services XX/XX/18 at XXXX PST to resolve my late car payment. First error was that the automated system nor the agent of Wells Fargo did not indicate that the call was being monitored or recorded. The representative was extremely rude and uncooperative when seeking a temporary deferment due to my current financial hardship. According to the rules of Wells Fargo, they are not able to approve a deferment unless i have income coming, which defeats the purpose of the needing the deferment. I explained to the representative on numerous occasions that do have income, as I have been approved for unemployement, i am just waiting for my first check. representative exclaimed in a very rude and obscene manner that there is nothing they can do until i receive that income. I am already 20 days past due. The level of unprofessionalism and lack of understanding of my situation from one of the biggest banks in the nation, who is already under a lot of scrutiny on a multitude of fronts including stealing money from their own consumers, is unethical in nature. I first spoke to a representative named XXXX ( no last name ). The bulk of unprofessionalism, the lack of helping a consumer needing to get back on track, and the attitude this representative had was unwarranted and very disrespectful. I asked to speak to a supervisor. Once the supervisor got on the line, the supervisor was WORSE than the original representative. His name is XXXX XXXX. XXXX let me know that he listened to the call and that there is nothing they can do for me. I then told him, I was not aware, nor was i told that the call was being monitored or recorded, which is against the law in my state. He was extremely combative and unwilling to help or listen to my situation. He just kept saying that, i listened to your call and there's nothing we can do for you over and over again. And you became a supervisor how? Both of the representatives clearly do not enjoy working for Wells Fargo. I urge that Wells Fargo hire competent employees that actually want to help people get current with there loans and provide different methods and avenues to assist their consumers willing to get current.
In late XX/XX/XXXX, I asked to have my payment lowered ( {$2000.00} per month ) for an income-based repayment plan. I provided the correct amount of my income and provided the documentation in the correct timeframe. I was then placed on a forbearance dropping my credit score by 20 pts, but not for a single month as I asked. It's until XX/XX/XXXX. I didn't miss a payment and am in no way derelict. I called Nelnet and tried to resolve the matter and all the respondent did was repeat that I was under obligation to fulfill my promissory note. I still don't know what's going on or how to fix it.
XXXX XXXX me into around {$45000.00} in student loans, and now i have debt with high monthly payments and no work in my field of study. I have worked paycheck to paycheck since i graduated XXXX 2011, and still have zero luck in finding a decent job. i somehow managed to pay $ XXXX- {$18000.00}, but i also worked side jobs to manage my bills.
I requested a credit investigation on XXXX XXXX. Despite multiple follow-up attempts, Equifax has not sent me my investigation results.
Wells fargo Visa card and checking account - demanded over numerous years that all overdraft protection be removed and was assured it was not. each time I overdrafted it, it took from my credit card, allowing me to continue using my debit with no clue I had a XXXX balance. what should have been a one time fee and my card decline on the next purchase turned into multiple " lower fees meant to save me money and help me continue shopping ''. these added up to far more than the one time fee. sure enough, happened again. only this time, the overdraft fee turned into a fee hitting me from the checking account AND credit card side multiple times, then hitting me with cash advance fees. A soda , drive thru and gum purchased totalled all of XXXX bucks, which has now cost me XXXX and climbing as the cash advance fees rack up. apparently, they stick the cash advance debt behind your running balance, preventing you from ever freeing yourself. three separate times now I have called and been assured it was removed.
Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported on my credit report.
I opened a Citibank checking account in association with a XXXX ThankYou point bonus promotion. When I opened the account, I confirmed that the promotion code was linked to my account through secure messaging. When I completed the requirements of the offer, again, I confirmed that I completed the requirements and was eligible for the offer. I waited the amount of time they told me, and when that time elapsed, I inquired again about the posting of the XXXX point bonus to my account. At that time, they said I was ineligible and denied me the bonus.
I have contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.
My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them. 
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied. 
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.
XX/XX/XXXX I asked them to update my account payment status on my credit they refused.

XX/XX/XXXX I entered I knew settlement agreement and I am current on my payments.

Also my current balance is XXXX not what they have posted online they will not update
On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.
I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.