WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX refused to accept my paycheck stubs for the month of XXXX when i was told just to call back and they would accept them and move forward with the process of keeping my home! my husband and i did everything they ask of us and when it was time to submit the new paycheck stubs they closed my case a month before I stated I would have them! I they lied to me! They also denied us of all loan forgiveness programs because of where we work, how much money we make, and my lack of understanding the process! They acted as if they were tired of me calling and she didn't care about me having children or my husband and i going through an hardship! I feel as though she didn't care because she assumed I was XXXX and lack the funds to keep up! This company is horrible. I was just meet with emotionless humans! I was turned done for loan forgiveness because I was XXXX and have children and my husband didn't have enough money at the time to pay there unreasonable " Payment plan ''! by me believing solely in XXXX and XXXX as my provider and seeing me through this, that wasn't good enough for them! they only cared about collecting there funds!
I sent a check to payoff my mortgage with Provident funding. They received the payment on XXXX/XXXX/XXXX and they posted it in my account on XXXX/XXXX/XXXX.
On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.
I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX and XXXX dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX  that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove XXXX account from my credit reports that does not belong to me.
I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!
On XX/XX/2017, we purchased a home from a new home builder, Dreamfinder, in XXXX, TX. The builder, Dreamfinder, had a preferred lender they associated themselves with, and part of their promotion was that the lender, PrimeLending, would pay the first 3 months worth of Taxes, HOA, and Home Insurance. We shopped around with different lenders and found a lender that offered a less expensive interest rate at that time. We had a lender that was quoting us half a point less than the Builder 's Preferred Lender. The company, PrimeLending, said that because they were associated with the Home Builder as the Preferred Lender, they would be able to beat that deal and offer me the promotion of first 3 months of Taxes, HOA, and Home Insurance paid for me as part of the closing costs. When the Tax Bill came out at the end of XX/XX/2017, the Tax amount due was substantially higher than when what was pro-rated when we closed on the home. In other words, at closing, we received a tiny Tax Prorated credit of {$770.00} instead of the actual 3-month tax that was {$3900.00}. That's a difference of {$3100.00} that I had to pay out of my pocket. I have gone to the Loan Officer for over 6 months now, and they are not responding to my requests and keep telling me they are " looking into it. '' I am hoping your Organization may be able to assist me in this matter.

I appreciate your help, XXXX XXXX
I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .
My credit card issuer, Chase Slate, assessed my account with a late payment fee of {$27.00} on XX/XX/2016 that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff on the payment due date of XX/XX/XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Chase Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

The following day I contacted Chase Customer Service and spoke with an agent who informed me that " as a matter of policy they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff ''. I attempted to escalate the issue by requesting to speak with a supervisor to whom I described the issue, provided her with the details of my phone call and offered to produce an image of the web page errors but she insisted they would not reverse the fee.
Company purchased a debt that wad settled by synchrony bank and added debt to my credit report as collections when debt was already sweetly by company through cfpb 2-3 years ago. The debt they're claiming is estimated {$950.00}. In cfpb records debt was settled by company. Synchrony honored all of ghee previous payments and the fact that I am a XXXX XXXX unemployable XXXX   veteran to go along with payments and debt was settled.
I had the loans through the department of education and had trouble getting them paid for a long time. They decided to transfer the loans to FedLoan without my knowledge. I did not receive any consultation or letters informing me of the change. So when I started receiving post and calls from FedLoan I originally thought I had been the victim of identity theft. Once I got a chance to actually talk with them I was able to get started paying on my loans.
RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!
I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX
XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in XXXX XXXX.
They have this account listed as a charge off and it was a settlement. My former attorney settled on this account and part of the settlement was my credit was not to have a negative and be cleaned up. The bank is Wells Fargo. This was a credit card that originaly was in dispute for charges that should n't have been on it. My attorney won and settled with Wells. Again this account is settled and is listed on my credit report as a charge off, therefore hurting my credit when it should n't be. This is wrong and needs to be corrected. I do not have the last XXXX digits of this account, it has been closed a long time, but I can give you what is listed on my credit report. XXXX is the account number.
I applied for a Harp loan the XX/XX/XXXX. I was with XXXX. 
mortgage my payment was $ XXXX. XXXX sold our loan to Nationstar XXXX XXXX. We continued the payment setup with XXXX. Now Nationstar wants to increase our payment by {$860.00}. This is more than what we were paying before the Harp program. We feel they ae over compensating for a shortage in escrow. Our insurance went up about {$300.00}. 
Can you help us with this problem. They want this change by % XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX XXXX customer service
Hello, I am filing a serious complaint against the credit bureau for selling my personal information, lies, vulnerable to me, my good name, my family, my business, my future and my life These liars must be removed from the law! 

Thank you, XXXX XXXX
On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.
Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification.
On or about XXXX 2016 I was trying to clean up my bad credit by obtaining a home equity loan. There were a lot of debts I had to settle. 

Round two recovery was XXXX of the creditors listed on my credit report. I called them @ XXXX XXXX XXXX XXXX and spoke with XXXX. The first time I called she said they had no such debt with them any longer, they had sold my account to another company. She did not provide me the name of that company. Then a week later I called her to get a letter from them stating I did not owe them for the Finance company. At this time she stated that she had " recalled '' the account and now all of a sudden I owed her XXXX, after arguing with her about it and not having any idea how to prove her wrong I settled for {$4600.00}. I just received a check made out to Round two recovery for some reason and I am supposed to send it to her. I have tried to reach her at least five times over the last week and the only message I get is " this person has not set up their voicemail yet '' no sort of salutation of " Hello, this is Round two recovery ''. No way to leave a message. I am to say the least frustrated. I believe she is trying to get money she is not entitled to. I believe this debt was paid through XXXX XXXX XXXX during the same time. I do not want to send this check to her if she is not legit. It seems to me that this is a fly by night debt collection agency that is ran by this XXXX woman named XXXX, I did not get a last name for some reason. Please help.
my car was repossessed for being late 13 days for {$100.00}. I had just been released from the hospital having had XXXX. I nearly XXXX I have had XXXX loans with titlemax in the past ; XXXX of which I paid off early ( they didi n't like that ). after paying {$130.00} a month for several months I asked them to make a better arangement with me or let me pay off the car. I had borrowed {$1000.00} and made about {$700.00} in payments. I was informed the payoff at that time was XXXX the amount I originally borrowed. while I was trying to get better from XXXX they repo 'd my car claiming they tried to call me. now they want to sell my car at a private auction unless I pay them {$1500.00} more
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others. How many times does a consumer have to bring this to the attention of CFPB before any action is taken? They have clearly lied about violating the FCRA after proof was provided.
This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with Pech-Huges of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing
i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
I have a capital one credit card for last 7 years and I got the letter that they have closed my account. I called them to reinstate the account but they are not ready. They did not send me a letter to explain that they will close my account because of inactivity. After checking with them, they said for this kind of account we do not send letter and can close account at companys discretion. This is my old account and closing it will impact my credit history badly. They are not ready to understand my situation.
I have been trying to find out from Navient what are all my options in regards to paying my private student loan. For the past year they have been constantly keeping back information. Recently I have been going through some financial difficulties and could not afford to make payments. I was offered the hardship deferment option, but it costs {$50.00} just for 3 months. I have been dealing with the rudest person, XXXX, at Navient that all she knows to do is make threats towards and me and my family if I do n't pay ... .stating that she will make sure to put us out on the streets. Recently I have received some letters from Navient stating that now there are more options and that I need to call them. Every time I call I only get XXXX and she states that there are no options that would apply to me ( not even the ones listed on the letter ), even though on the letter it has my loan #. After many days of calling, I was able to speak to someone else, XXXX, and she was nice enough to share more options that are available, though she said there are more but I need to be in a different financial position for her to share them with me. After few minutes of conversation, she states that she needs to transfer me back to XXXX. Once transferred to XXXX, she starts yelling at me to pay up or she will make sure to escalate the matter and have an attorney 's office come after me. After I tell her I spoke to XXXX about some other options, ( like 1 % interest, late fee waiver ) all of a sudden she remembered that these option are available to me too. As I probe more and share more and more of what XXXX shared as being my options and what the letter states, XXXX starts to recollect the options as well. When pushing to find out what other options I have she starts screaming that I need to pay or she will make sure to have an attorney come after me and then she hung up. I want to know what are ALL my options and not have threats agains me.
I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats
XXXX has 7 hard inquiries on out Transunion, XXXX, and XXXX  credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Repeat calls throughout the day on cell phone and home phone. All they did was use another phone after I reported them before.
I am a victim of identity theft and someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report do not belong to me : 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
I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.