WillisBack/dataset-financial-user-claim huggingface dataset:
I received authorization, agreement and approval for a Dept of Justice National Attorney General Settlement loan modification from XXXX XXXX XXXX including terms, interest rate and specific amount of principal reduction of {$70000.00}. See Attachment A. My loan was sold to BSI Financial Services who as my new servicer is obligated, instructed and Mandated by the Dept of Justice Consent Decree to honor the terms for permanent modification from XXXX XXXX XXXX. See Attachment XXXX pages XXXX XXXX. 
Upon agreement and confirmation by BSI that I successfully complied with and completed the trial period BSI sent permanent modification documents with terms that differ from and DO NOT adhere to the XXXX XXXX XXXX Terms as mandated by D.O.J specifically as indicated in Attachment A the principal amount reduction should be {$70000.00}. This Principal reduction promised under terms proposed, offered, accepted and agreed to from XXXX XXXX XXXX would result in an amount payable under the new BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. However the principal reduction/foregiveness provided in the BSI is only {$64000.00} ( LESS than committed by XXXX XXXX XXXX terms ( terms which BSI is mandated by the Consent Judgement to honor ) - this results in a HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. See Attachment labeled OLD noting points B and C. Upon me pointing out that they were out of mandated compliance to " honor permanent loan modification agreements entered into by the prior servicer, '' and providing for a XXXX time the XXXX XXXX XXXX XXXX ( Attachment A ) BSI remitted revised documents which make no correction, provide no remedy and still do not honor the committed terms of XXXX XXXX XXXX. In fact the new/revised loan modification document sent as a result of me raising this concern, here labeled as NEW, appears deceptive, lacks transparency and includes only a disingenuous edit of simply eliminating the wording related to the principal reduction/foregiveness as attempt to not address the matter and to intentionally edit out/eliminate reference to principal reduction/foregiveness in order to knowingly ignore the XXXX XXXX XXXX terms and commitment and to hide/camouflage not honoring the XXXX XXXX XXXX terms as mandated by the DOJ Consent Judgement. Please note the HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00} remains unchanged from the OLD to the NEW/revised BSI loan modification agreement and thus indicates the principal reduction/foregiveness is unchanged from the OLD to the NEW/revised BSI modification agreement and by conclusion they have not honored the XXXX XXXX XXXX terms committing to {$70000.00} principal reduction/foregiveness which results in a lower BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}.
XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.
I have made 44 qualifying public service loan forgiveness payments. However, XXXX XXXX is only qualifying 25 payments because they say a. ) I was not employed from XX/XX/2015 until XX/XX/2015 when I was and have submitted that evidence and b. ) I was in " paid ahead '' status and did not apply my extra payment to principle so they could disqualify my payments for the last several months.
On XX/XX/2016 I sent a Western Union Quick Collect billpayment to XXXX XXXX XXXX for {$4900.00}. It was never received and posted to my XXXX XXXX XXXX HELOC account.
XX/XX/2018 I called AmSher Collection Services this morning at XXXX  to pay a debt that I don't agree with however I'm in the middle of closing on my house & need it off my report immediately. I asked the agent XXXX XXXX to agree to sending a letter on letterhead showing the debt was paid in full & will be removed from my credit report, he advised me they have no such letters in their office. I asked for his supervisor, he said I need to call back after XXXX to speak with her. I asked for her name he advised it is XXXX XXXX. I am willing to pay this debt off in full today w/ an agreement that I receive the letter I requested so I can give it to my loan officer for closing purposes. This debt shouldn't ever been on my report per the agreement w/ XXXX XXXX w/ XXXX Corporate   office ( see attached documents ) The XXXX  debt they are collecting has been turned into the XXXX & the FCC.

Thank you for your help!
I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX.
In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXXunder affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XX/XX/XXXXXXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
I have been a victim of identity theft for over the pass 6 years .. all 3 credit report have police report on file for me
XXXX Originally Mom and I Refinanced with XXXX XXXX. They were then purchased by Wachovia and Subsidiary. Finally Wells Fargo Bank N.A. Mom passed the properties are are in probate. I got sick ( XXXX ) got behind. 1 ) property XXXX XXXX XXXX XXXX XXXX my boys and I live there. 2 ) XXXX XXXX XXXX a XXXX I rent out for income. Wells is foreclosing on both but they are not the mortgage services and have no papers - I have tried suing them for wrongful foreclosure. I am trying to get reverse mortgage and its in process and I can pay them off. I had been in bankruptcy they had the auto stay removed to foreclose but there are others on the property. In fact both. I was in Federal Court Case that Wells moved from XXXX XXXX to XXXX XXXX without notice. Case # XXXX NC and XXXX XXXX XXXX XXXX. I really need help being sick - got XXXX young boys, I got both property 's in Probate there is a current bankruptcy going on XXXX XXXX XXXX has interest in both properties BK # XXXX and adversary case XXXX. We need help. What can you do for us.? XXXX XXXX XXXX
I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.
In XXXX 2015, I logged into Navient to find that my monthly payment ( or " amount due '' ) had tripled in size from XXXX. I contacted Navient to discuss my options, and they explained my only option was to apply for an extended repayment plan. To do so, I had to submit some paperwork and pay a {$150.00} forbearance fee, which would nullify my amount due for XXXX and give them time to review my account. I called them back a few days later and found out that my extended repayment plan was approved. When I logged into the account, however, I was still seeing the extremely high amount due that caused me to call Navient in the first place. After several phone calls, it was finally explained to me that due to a billing error, the wrong amount was showing in their system, but they assured me I had been approved for the plan. I monitored the amount due in the days up until my XXXX payment was due, but it never changed. As I 've had several problems with their billing before, I wanted to be proactive and call to make sure my payments were received and in the correct amount. Multiple members of their customer service team, including managers and directors, assured me that I should pay the amount due from the new extended payment plan, and not the incorrect total that was displaying on their website. They made countless promises that the issue would be resolved and there was no chance I would see a " past due '' amount and certainly would not be charged late fees. Two months later, I am being harassed on a daily basis by debt collectors and on top of that, they had the nerve to charge me a late fee. That 's not only something they promised me would n't happen, but the error is theirs to begin with. I 've made more than XXXX calls in the past month to correct the issue, and every conversation ends with a promise from a Navient employee that the issue will be corrected. It still has n't been. It 's amazing that they have the time to call me and email me - from blocked phone numbers and third party email addresses, no less - on a daily basis, but no time to correct their own issues.
I contacted Neiman Marcus credit by Capital One about charges that are not valid and they refuse to do anything about them
I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.
XXXX XXXX ( XXXX XXXX ) had XXXX sheriff serve notice of suit to an address that I no longer reside in front of children and neighbors causing great embarrassment to relative that purchased my property in XX/XX/XXXX. This document was not sealed giving access to my personal information and the nature of the suit. Relative read contents over the phone to me. In addition this agency ( XXXX ) had previously called other family digging for information on me and sharing personal information which violates my rights under collection laws This debt was factored or sold by XXXX to XXXX XXXX apparently. This debt had previously been placed with an Illinois agency by XXXX. They refused to negotiate a reasonable repayment plan after our rental property was damaged in Hurricane Sandy in XXXX. I will only negotiate and pay XXXX, not XXXX XXXX. 

I have never spoken with anyone at this agency ; nor was I notified of any legal action.
I had this account for 15 years. At that time it was XXXX, then that was sold to Metro bank, and now First National bank bought it. I never had a problem until First National bank got into the picture. The buried me in overdraft fees and any other fees they could think of. They took XXXX direct deposites and paid themselves, at that point there is no funds to pay anything else. I was n't aware this was going on because one the bank card was demagnitized, two I felt my direct deposites were covering my charges which were XXXX dollars XXXXdollars gas food, and the big one was paying the rent. My direct deposite is from a part time job, however it 's important to me because it helps me pay the rent, I 'm a widower I live with XXXX kids and put food on the table. What I do n't understand about First National bank is that why is it when there is insufficient funds they do n't simply close the account instead of charging overdraft fees. They do n't have anything written that they have the right to have overdraft fees, so I do n't understand how they can charge me fees take everything then hand it over to a collection agency. There is something fundamentally wrong that allows a bank to do this, to the point of bankrupting an account holder. I have been in contact with them on Fridays because that was the only time I had available, one gentleman looked at my account looked at the fees, then said he did n't have the authority to waive any fees and directed me to his manager XXXX XXXX. She was supposed to get in contact with me and never did, I went back the following Friday and told him what I wanted which was to have my direct deposites returned to me because I earned them, second I want the fees waived, thirdly I want the account closed. He wrote that down and told me the regional manager has the authority to do so his name is XXXX XXXX, and then never heard a word from him. Meanwhile I feel as though they were stalling, eating out the clock so they can bring it to a collection agency so they do n't have anything to do about it. While this was going on I opened up another account and had my money moved to that account because it would have been an endless viscious cycle. That other account, there 's an agreement that if there is insufficient accounts there would be a decline when swiped. To have this thing go one and owe an exuberent amount of money baffles me and the only thing I can conclude on is that this is how the bank makes its money. So they are looking to create scenarios to look into your account and to go around doing this. As I stated before First National bank has no agreement to take my money to charge me, nor did I agree to their policies on how they run their business. I 'm a struggling guy and when I lost those direct deposites it was devistating.
We purchased tickets to a local concert using our PayPal account. Tickets cost {$75.00}. It was assumed that PayPal would then charge our Credit Card on file. Apparently the card on file was old and had expired. After 60-90 days from the date of the purchase, we received a statement in the mail for the {$75.00} and {$70.00} additional dollars in late fees ( {$35.00} per month ). We called into PayPal and happily resolved the original {$75.00} fees but contested the additional {$70.00} in late fees because we never received a statement from PayPal to know there was an issue. Since then PayPal has continued to charge Late Fees, its now up to {$180.00} and change after we paid the original {$75.00}. We would have quickly resolved the matter if we had been notified with a timely statement. These fees are excessive by any standard.
XX/XX/2018 To Whom It May Concern : I applied for a Capital One Visa on XX/XX/2018. I received an email on XX/XX/2018 staying my new card has shipped. I received the card on XX/XX/2018 for {$8000.00}. The evening of XX/XX/XXXX I logged onto capital.com/activate to activate the Quicksilver Visa I  received. I had to set up an account, creating a User ID ( email address ) and password. In order to do that I had to provide my last name, social security number and birth date. 

When I logged in I entered the credit card number and the three-digit pin on the back of the card, then I hit activate. Right than it stated there was an error and I need to call Capital One. While this was going on I was chatting with a Capital One agent. I told her what was going on at that time and she stated she would make a note on my account and I would have to call Capital One. She said make sure I referenced that I had spoken with her. The number I called was ( XXXX ) XXXX. 

I got a Capital One agent that was really rude and nasty. She was the second person I had spoken with on the phone in regards to getting this card activated. The first person couldnt help me and transferred me to rude nasty unprofessional agent, XXXX ( 2nd person ). I dont understand how she got her job because she was very unprofessional. Nevertheless, she asked me for the credit card number and the three-digit code on the back of the card. After that she asked me for my social security number and my date of birth. She put my on hold and then came back a few minutes later and said I didnt pass the verification process. She said I would need send in my social security and bank statement. I told her how did I not pass when I gave you the card number Capital One sent me, my social security number and my birth date. She got even ruder and I asked for a manager.

I told her no I would not be sending in either one of those and I wanted to speak with a manager. The manager gave me the run around as well. When I told the manager I was now recording the conversation just like Capital One was he hung up on me. I applied for this card on XXXX XXXX. Capital One didnt say I would need my social security card or bank statement before I applied for this card. Neither did they say it before they send me out a {$8000.00} credit card. I have never had to send my social security card or bank statement into a credit card company. I didnt provide Capital One with

my Drivers License and Utility Bill. I would like these documents purged from Capital One records and never used for anything.
This incident has shown me ( the consumer ) that Capital One is a fraudulent company and I dont appreciate the way they do business. I would like Capital Ones inquiry removed from my credit report and all my information purged from their database within the next 2 weeks. I would like my 30 points put back on my credit report. Capital One doing a hard inquiry on my credit report dropped it significantly. I want the inquiry removed. This is a pathetic and fraudulent way for a company to get try and get peoples social security cards. I would like this corrected immediately.

Unsatisfied Customer,
On XXXX/XXXX/2015 I purchased a washer and dryer on my Sears Credit card from the Sears in XXXX, TN. My purchase included the washer, dryer, washer hoses, dryer vent, dryer hose, stacking kit, delivery and installation. I was in the process of remodeling my laundry room, so I set the date of delivery for XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX deliverymen brought the hoses, vent, and cord, nothing else. After a call to the warehouse, the store, and the XXXX number, it seems someone rescheduled without informing me. Then it was later discovered that they did n't have the stacking kit. I proceeded to reach out to Sears again via phone and social media on XXXX/XXXX/2015 and finally managed to get the washer and dryer. I was informed I 'd have to make further arrangements to complete my order and installation ( setting up the appliances with the stacking kit ). I 've had no contact until I called the XXXX number today. First they tried to lead me to believe my order was complete. When I corrected the info, I was put on hold. The woman came back on and said my part was at the store and that I could call there. I have since called someone I believe to be the manager in the appliance dept, Sears at XXXX and explained what was going on. He has yet to call me back. I used my Sears card and have been making my payments on something that I purchased on an obligation that has not been fulfilled. I 've been fulfilling my end of the bargain by making my payments and would just like Sears to do the same by completing my order and installation. The run around I have received is ridiculous and their handling of my order has been unsatisfactory. I 'm hoping that maybe someone outside of Sears inner circle may be able to assist me in this matter.
In early XX/XX/2019, I received 3 letters from Chase bank. Each letter informed me that a credit card account had been closed down. I had 3 total credit cards with Chase, so that meant all my cards were closed. 
I called Chase the same day I received the letters. I explained what happened to the CSR. A payment I had made did not go through because I had mis-typed my bank account info the setting up payment options. It was off by 1 digit. I had called and corrected this with a different Chase CSR as soon as I noticed the problem in late XXXX. I did to miss any payments and all accounts were paid in full at the time I received the first letters. 

The CSR told me that she would send my info to another department for review. 2 weeks later, I received 3 more letters, all dated XX/XX/2019. All letters said the same thing : Chase would not re-open my accounts. Again, all cards were fully paid and 2 of them even had small negative balances due to bonuses earned that were paid after the cards were shut down. 

My total credit limit across all cards was less than {$15000.00} and I never came close to that much spending in any billing cycle. I never missed a single payment over the life of the credit cards. Chase made a rash and ridiculous decision to close all accounts over a typo that I corrected as soon as I learned about it. The higher balances over the holidays was due to some gift cards that I purchased for friends/family. Again, none of this violated the terms and conditions I agreed to when I signed up for the cards. 
I would like all 3 credit cards re-opened. I am not interested in applying for them all over again.
***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.