WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXXXXXXXXXX. 
To Whom it may concern, Our loan is owned by XXXX, Until XXXX of last year we were being serviced by XXXX, do to circumstances beyond our control, we have had a few rough years starting with my health, in 2010 I had to have XXXX XXXX, ending up with me having to apply for XXXX. My husbands company in which he has worked for over XXXX years, was sold and under reconstruction he lost income there, my parents both died in XXXX months of each other and there was no insurance, we had to help pay funeral cost, these circumstances made it difficult for us to maintain a mortgage payment of XXXX. Last XXXX XXXX offered us a modification trial which brought our payment down to XXXX we have had no problem making this payment. and made XXXX in a row. After we made our XXXX payment to XXXX, we were switched to .Select Portfolio, we have had such a difficult time dealing with this company never get to speak to the same person XXXX, they assigned us an account person an til this date never spoke with .or if you leave a message, do n't return any calls. So they sent us a letter from XXXX saying they were n't going to honor our trial, a letter which we never received. I called XXXX and they stated that the offer was not declined and XXXX should be finalizing the agreement. 
I have a letter stating if we make XXXX payments of XXXX we would be permanently have that payment, XXXX even sent us a XXXX write off and XXXX company did n't honor that either. Why would XXXX send us a wrote off if they were n't going to honor the trial. XXXX told us we had to apply for your in house modification, in which we did and it has been very difficult, I have faxed it at least XXXX different times and even register mailed it, each and every time, I was told something was missing, even when I sent the registered letter, someone told me they did n't receive it, and I had the computer in front of me and I had to say someone signed for it, ( That 's funny I have proof that someone in your company signed for it ), I was put on hold and then told yeah we got it page XXXX is missing. When we finally received paper work from them instead of offering us a modification, their expecting us to pay 3000.00 a month, to catch up back payments not honoring the XXXX straight payments we made, their trying to say were XXXX behind if you subtract the payments we made it would n't be that much, along with the paper work was an application for short sale, they even had our home apprised which gave rental value of the house instead of market value, also on the paper work our income is n't correct, they have us making more then we actually make, I feel instead of helping us maintain our home, XXXX is trying to either foreclosed on us, or do a short sale it, do n't want to help us at all. 


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Select Portfolio Servicing , Inc .
I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) engaged in fraudulent and deceptive practice including bait and switch to offer XXXX  service and obtain payment through Carecredit / Synchrony card. 
On XX/XX/2018 I went to to XXXX XXXX practice for a XXXX  and XXXX covered by my insurance. While in her XXXX  chair she solicited me and convinced me to replace my XXXX with a XXXX  by offering me financing at 0 % for 5 years. She told me I was approved and immediately continue to work in my XXXX. During the middle of the procedure while XXXX XXXX  She came back with papers for me to sign. She never told me it was a credit card and never gave me any document with the terms and conditions. 
3 weeks later I received a credit card for {$7000.00} from Synchrony Bank/Carecredit for 26.99 % ( which she already depleted within minutes of being in the XXXX  chair. ) .Surprised at getting a credit card in the mail, I immediately contacted Synchrony bank to dispute the charge interest rate. Synchrony Bank/carecredit advised me to contact the vendor XXXX XXXX XXXX XXXX XXXX  which I did. After several calls to her office, her customer representative told me that they have contacted Synchrony Bank/carecredit to make the adjustment to reflect 0 % for 5 years. Several calls to Synchrony revealed that to date XXXX XXXX had not called Synchrony to have this information regarding the interest rate adjustment or corrected, Which lead me to believe that XXXX XXXX had been engage in bait and switch to receive and use the funds to her advantage causing me financial, physical, emotional, mental stress and anxiety. Its been over 5 months of pain and suffering because of the poor job she did on my XXXX  causing me to go to Urgent care twice as a result of her damage. I have been unable to sleep at night because of the anxiety and stress associated with the interest rate of this card and fear of seeing another XXXX  and possibility of filing bankruptcy. As a widow, I never would accept or even apply for a card that is 26.99 %. This XXXX was unnecessary because my XXXX  was ok. The only reason I accepted her offer was because she told me her financing is at 0 % for 5 years. 
I am disappointed that Synchrony bank would take side with the crocked XXXX who will eventually force me to file bankruptcy because of XXXX XXXX unethical and fraudulent behavior. I still can not believe that within minutes XXXX XXXX duped me out of a total {$15000.00} that included what my insurance covered and {$7000.00} from Synchrony bank. Despite the several calls to synchrony bank and to XXXX XXXX office to get this matter resolved I am yet to get justice. On XX/XX/2018 XXXX, a manager ay Synchrony bank told me he would reverse the interest rate to 0 % for 60 months. A month later i got a letter from Synchrony bank reversing that decison and was told that XXXX XXXX has to call in and make the changes. XXXX XXXX  representative from XXXX customer relations ( XXXX ) told me she called Synchrony bank to correct the problem. Synchrony Bank says they never receive a call from XXXX XXXXXXXX XXXX office. 
In light of this I am seeking your intervention in getting this issue resolved.
I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.
I have student loans through   XXXX   XXXX  . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to   XXXX   XXXX  . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of  XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that   XXXX   XXXX   is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.
In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.
on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.
These people called my cell phone threatening to make me lose my job, sue me, and ruin my life. They never identified themselves beyond NCA. I called back repeatedly to find out who or what they wanted. I was ridiculed, told they would ruin my life and my children 's lives, and then threatened with a harassment suit.
Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
I have contacted Experian several times that a chapter XXXX bankruptcy on my credit report should not be reporting. I supplied supporting documentation and it was dismissed. Experian is saying they verified the information with the court, which is not accurate. The courts do not verify information. Experian used a third party to view the public records and when i requested to find out who verified the information and what supporting documentation they had, Experian has failed to respond.
I had been using my Chase credit card normally. One day, my transaction was declined. I called Chase to ask why that happened as I've never had any bad encounter or situation with Chase or any other credit card company for that matter. They didn't explain anything, they only told me I am blacklisted. I want to understand what it means by saying I am blacklisted. I'm assuming they're discriminating either against my nationality, age, or language ability. I just want them to explain to me what it means to be blacklisted and why I was blacklisted as well as had my account closed. In addition to Chase, after using my XXXX XXXX for a while my transaction got declined. When I called to solve the issue, they told me to go with my ID to a union bank to verify my identity. I went several times to the XXXX XXXX XXXX. Every single time they told me to wait and my card will come. When I called customer service to see where it is, they told me I need to reapply. The teller at the bank filled up the application for me and told me I was approved for {$10000.00} and that my card would come in 7-10 days. I waited 15 days and called. They told me I have to go to the branch. I told them I did go to branch and the bank teller was the one that filled out my application and told me I was approved. They told me doesn't matter go to branch. I went to the same branch and talked to the same person whose name is XXXX, and she again said my card will come and to wait. I waited again for a longer time, I called again, and they told me to go to branch again like a joke. This time I went to the XXXX XXXX XXXX, explained everything to the store manager whose name was also XXXX, and she called and talked to customer service and said everything was solved and you'll receive your card. Again after a while I haven't received my card and called and they said to go to Branch and they're leaving an open link that they can solve everything under that link. I went to branch and spoke to the manager again and she had the bank teller help me. She said its already late took my information and said she'll call me tomorrow. She never called so I called. She told me the account is closed and I need to reapply. At this age I went to a branch 5-6 times and now I need to reapply and I have been approved TWICE for XXXX - first time I used for a while, second time I never received my card. Am I supposed to reapply 4-5 times to receive a card
I paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. 
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Dear Sir/Madam, I am sending this complaint since Citibank does n't honor the promotion offer on which Citibank would post XXXX XXXX miles to my XXXX account after I opened a Citigold account and finished some related requirements. 
I opened the Citigold checking on XXXX XXXX and fulfilled all the requirements on XXXX XXXX. Both the call center and online chat confirmed I had fulfilled all the requirements on XXXX XXXX. 
On XX/XX/XXXX, the online chat customer service stated that they need additional 30 days to post the miles to my account. 
I waited until XXXX XXXX and the security message customer service suddenly told me I was not targeted for the promotion after I had been waiting for much more than 90 days when it was the time Citibank need to honor the offer by their T & C. 
I sent a new online chat on XXXX/XXXX/XXXX and the customer service stated that they would file an investigation and I would receive the result after 2 business days. However, there is no response at all until now.
I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I AM SEEKING A LOAN MODIFICATION. I HAVE FAXED FROM MY BRANCH OF THE BANK SEVERAL TIMES INFORMATION THEY HAVE REQUESTED. THE FAXED MATERIAL GOES THROUGH THE PROCESS AND IS ACCEPTED WITH NO PROBLEMS. THE MODIFICATION PROCESS PERSON TELLS ME THAT THEY DID NOT RECEIVE SOME OF THE IMPORTANT INFORMATION THAT WAS FAXED. THIS HAS HAPPENED TO ME SEVERAL TIMES, AND I HAVE FAXED SOME INFORMATION
I live in a townhome and the home next to mine ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) has been abandoned for several years. The lender on that property is Wells Fargo and they have not completed the foreclosure process on the home. The problem I am having is that the home next to mine is uninhabitable and needs a new roof. Every time it rains the water from next door comes in through the party wall and floods my home. Sometimes I have had about XXXX inches of water running through my living room. Needless to say the dry wall, most of my cabinets and furniture have been ruined. I do not have a water heater because it was damaged with all the water coming in so my XXXX sons and I have been taking cold showers for months now. I also fear that mold is growing in my home. 
The same thing is happening to the neighbor on the other side of this home. We have tried contacting the bank and spoken to reps of the bank that have come to check in on the property all to no avail.
i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.
OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.
Hi, My name is XXXX XXXX. I have had an unauthorized inquiry on my credit file from a company in California named 'XXXX XXXX ' on XX/XX/XXXX. The company had used the services of the company XXXX XXXX to do so. Having learned about this, I contacted both XXXX XXXX and XXXX to have this issue looked into and resolved by having the unauthorized inquiry removed after they concluded their internal investigations.

To an extent, this exercise was successful as both companies had worked in conjunction with me and had issued notices to the XXXX, XXXX, and Equifax credit bureaus. By XX/XX/XXXX, both XXXX  and XXXX promptly removed this unauthorized inquiry from my file. Equifax did not.

I, alongside XXXX XXXX and XXXX, have since worked with Equifax to have the same inquiry removed from my reporting file, but to no avail. I have spent hours upon hours calling their customer service lines, talking to their frontline representatives and managers in the XXXX until being transferred up the command chain all the way in XXXX, GA, who by now know my name and all details very well. But continue to dodge, ascertain and impress upon me that the inquiry was legitimate, despite the agency XXXX XXXX, explicitly doing the needful and resending confirmation via my fax and postal mail many times over of their mistaken inquiry.

Every Wednesday and Friday since XX/XX/XXXX, to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry, after plentiful verification was submitted to them, by me, XXXX, and XXXX XXXX. Yet, to the day, Equifax, refuses to remove the corresponding inquiry from my credit file.

Please help.

I can be reached on my cell at XXXX, or via my email at XXXX.

Sincerely, XXXX XXXX
I checked my free credit report through TransUnion on XX/XX/XXXX. All information looked okay except for incorrect addresses and phone numbers ( very minor issues ). I filed an investigation to remove the data and TransUnion promptly removed the data. After sending me an email on XX/XX/XXXX to view the revised credit report, I find a public record from the XXXX ( Docket # : XXXX ). The record was n't on my credit report a day ago. According to TransUnion, the judgement was filed in XX/XX/XXXX, paid in XX/XX/XXXX, and updated in XX/XX/XXXX. It 's suspicious that the record just happened to show up in XX/XX/XXXX, one day after I viewed my free credit report. This record is definitively baseless. On XX/XX/XXXX, TransUnion gave me the opportunity to dispute any information online ( when they only displayed positive information ). On XX/XX/XXXX, TransUnion decided that I am only allowed to dispute further by mailing a form ( when they disseminate incriminating information ). For an agency that has such significant influence on my creditworthiness, TransUnion demonstrates a dangerous carelessness and/or recklessness for the maintenance and dissemination of my credit information.
On XX/XX/2018 I got hit with a hard inquiry from XXXX. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.