WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 I verbally called the servicer FCI Lender Service Inc to request solution to the delinquent mortgage and to prevent forclosure. I am the ex-spouse of the Primary borrower and as result of the divorse was awarded the home. A package was to be sent which would allow me to apply for a modificaton and it was sent & received XX/XX/2017. There we no letter that were sent out requesting additional information and it was n't until 2 weeks later when a letter was recieved stating that there was a foreclose date of XX/XX/2017. During this time we were miss-informed about a Chapt XXXX, due to that we wanted to keep our home. At this time I have remarried a few years back and are able to maintain the mortgage when the modification is completed. It has not been a full 30 days and already a sell date was entered. 

We need to request stop motion of the foreclosure so that the modification has time to be approved by the lender. Since FCI is the servicer, we were unable to mail the modification directly due to the representative only questing for us to send it in writing first and would not relay the information to us. It is our concern that the servicer is not working in our favor to keep and modify our mortgage and may be delaying the process on purpose. 

As of today we have sent the servicesor all the information needed in order to process the modification to our knowledge.
They settled. I paid it off and received a letter that it was settled. It is still on my credit report.
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.
When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a 'non-refundable ' security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a 'general carpet clean ' for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out. 

I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could " Listen in private ''. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.
I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.
I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.
This is XXXX XXXX I was looking for a loan and was told by XXXX at XXXX XXXX it was possible to get a {$2000.00} loan using XXXX XXXX XXXX XXXX in Va. 
They sent me the contract and I filled it out, there was two ways of getting it approved and so I chose the second one of paying a XXXX dollars which would be refunded on XX/XX/XXXX, They wanted it on an XXXX {$100.00} card, which was sent today. 
Then I was told by XXXX that the money would be transferred into my bank account within the hour, it's a hundred miles home, after we got home, I checked my account and nothing was there. 
I then opened my email and found a letter from a XXXX XXXX with the Kansas Dept of Finance, XXXX XXXX XXXX  MANAGER, wanting {$160.00} plus {$8.00} for a stamp that had to be paid by XX/XX/XXXX. 
I called the zlending company back and talked to XXXX who had told me that he would call her and see if they could take it out after the {$2000.00} was put in. 
They closed at XXXX XXXX eastern time and right before that he called back and said it was denied. 

By this time I was suspicious and found the right number to call the Kansas Bank XXXX and talked to a community care person, who told me no one by that name worked there and it sounded to her like a scam, as no legal loan company would demand money. 

So I played dumb when I called the loan company back, they told me since I had refused to pay the {$170.00} I needed to send them an email saying I was not going through with it. 
Then when I got that letter back it said they could take {$100.00} back for cancelling the loan, so our {$100.00} XXXX card we sent would not be returned. 

I don't want others taken by these scammers and I think you need to investigate them thoroughly. 

I am attaching the letters, phone numbers and everything to send to you. 

Sincerely, XXXX XXXX XXXX
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. 


Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
I received a message and a call from American Express and was advised that me account was past due even though I set up automatic payments. I was advised that the late fee would be removed however it would come off of my balance and not the minimum due. Customer service was horrible and the fact that this company was not willing to assist in changing the minimum fee is not acceptable. I should not have been charged a late fee at all.
Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.
Midwest Service Bureau continues to call me on my cell phone after I told them they do not have permission to contact my cell phone in violation of the TCPA. I then ordered them to Cease & Desist calling and they continued to not only call my cell phone after being ordered not to they contacted my mother who I do not live with and lives in a completely different town. They disclosed my private health information to her without my permission ( violation of HIPPA ) and  continue to call her despite my telling them to cease and desist ( harassment, violation of FDCPA ). 

Additionally, I have never received any validation notice regarding these accounts, I attempted to tell their collector that the bills were a result of a criminal action and I was a victim of a crime but they have not marked the debt as disputed ( as required under the FCRA ) and continue to attempt to contact me and my family about these bills.
On XX/XX/2018, I was notified by XXXX XXXX, a credit monitoring company, that I had a debt that went into collections. At complete disbelief, I went to check out what this debt was in regards to. It was a collections from a company called " Miramed Revenue Group ''. On XX/XX/2018 I had called Miramed to find out what this debt was for. They refused to validate the debt or tell me any information as to why this was sent to collections. I wasn't going to pay on a debt I had no idea what I was paying for, or be scammed not knowing if it was even for me or valid of me to pay, let alone even notified for. I was never once notified of an outstanding debt or sent an invoice or even notification that I was going into collections. I found out the debt went into collections in XXXX for {$150.00}. I still wanted to see an invoice to see who I was paying or what I was paying for. I never received any of that. The collections agent said I couldn't get any written validation of the debt and I couldn't dispute the debt. How am I supposed to know what I am paying for?
My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.
I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.
Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor
I requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.
This complaint is due to multiple inquiries made on my credit report from Loan Depot thru XXXX . The complaint is against XXXX, as the credit servicer for Loan Depot and also the prospective lender Loan Depot. In XXXX 2016 I responded to a Refinance solicitation I received from Loan Depot and had granted only one approval to run one inquiry on my credit. Loan Depot made six Inquiries within a span of a few days because they were trying to gather additional information on income and value of my present home to determine loan eligibility. Un-be known to me at the time, Loan Depot took upon themselves to re-run inquiries every time I spoke to an individual at Loan Depot as a follow up on the same matter. My credit report now shows numerous inquires within a span of one week or so some multiple on the same day from this same prospective lender " Loan Depot ''. I have brought the matter to the attention of both XXXX XXXX and Loan Depot and both have failed to respond in a reasonable time frame.
My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
Thank you
My husband and I are in the process of buying a home. I was working with XXXX XXXX ( NMLS # XXXX ) on submitting a loan application. 
We received a call from a friend, ( " XXXX '' for the purposes of this story ... XXXX is another broker ) we worked with on getting our pre-approvals when we were making offers. He told us that XXXX had called him pretending to be my husband. " XXXX '' did n't recognize the voice and said he would have to call back and got a phone #. The phone number was a XXXX phone number ( we are in XXXX ) and the voice mail said " XXXX ''. " XXXX '' decided not to leave a message and XXXX called back saying " Hi this is ( insert my husbands name ) '' and when " XXXX '' questioned him saying " I just tried calling you and it went to voicemail of someone named XXXX '', he said " you must have dialed the wrong number ... what rate were you giving us ''? 
Clearly he was acting unethically and likely trying to gain a competitive edge over the other broker we are working with and committing fraud pretending to be someone he is not. I am not only angry but nervous knowing someone like this has my confidential financial information
I accessed creditreport and once I got to Experian it did not let me retrieve it.
A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. 
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. 
Please see attached letters.
I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.