WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 2017XXXX I was required to re-certify my income for the Federal XXXX XXXX program I am enrolled in XXXX XXXX thru FedLoans. I submitted my income, which had not changed and received a response that my payments had changed from XXXX $ am month to XXXX a month. It took until XXXX 2017 to get me on the correct payment plan with a more feasible payment. 

I was told by Fedloan Servicing in early XXXX not to pay my XXXX XXXX payment. To start paying again in XXXX when my new payment amount of XXXX $ a month would begin. they said I would have forbearance for XXXX. 

On XXXX XXXX my payment showed past due I immediately called Fed XXXX XXXX and told them what had happened they agreed my account should not be past due and assured me it would be fixed. 

Since then I have called, chatted online and emailed them begging them to fix my account and stop incorrectly reporting me past due to the credit bureau. I have been repeatedly told that it would be fixed. 

I have spoken to at least 4 supervisors and reported the company to the better business bureau. I last spent 1.5 hours on the phone with them on Friday XXXX/XXXX/17 where I was yet again assured by a supervisor or Account resolution specialist that she had emailed the person who had failed to fix my account in XXXX and that it would be fixed. 

It is is now XXXX XXXX and my account still reflects past due the XXXX could not get Fedloans to resolve my issues and suggested I contact you. 

I have been trying to purchase a home and they are reporting me poast due to the credit bureau. 

Please please help me I can not believe this agency is allowed to continue to handle our student loans not one representative I have spoken to has helped or told me the correct things. There is no way they should be handling millions of dollars of Americans debts.
I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent account
I owed credit card XXXX XXXX XXXX XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX XXXX Department. Previously I was contacted I had set up arrangements for paying them through XXXX From Debt, but had to drop them as it was a secured account. Received notice from Hammerman & Hultgren that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact XXXX to see if they would accept the offer. Sometime before the XX/XX/XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that Hammerman & Hultgren placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions , LLC claiming that I owe {$150.00} to that company, as a result of a supposedly unpaid cell phone bill for an account with XXXX. I contacted Debt Recovery Solutions and informed them that ( XXXX ) I have never had an account with XXXX, ( XXXX ) I have not had a NY address since XX/XX/XXXX ( they said the address for the account was in New York ), and ( XXXX ) that the debt and account are not mine. 

Since XX/XX/XXXX, I have contacted Debt Recovery Solutions on XXXX separate occasions to request that they either send documentation to support their claim that I owe the money ( I know they have no such documentation ), or that the company cease attempting to collect this alleged debt, and that they remove the delinquency report they have made to all credit reporting agencies. Debt Recovery Solutions has not done either of these things. 

In the meantime, my credit has been negatively affected by the false credit reports submitted to the credit reporting agencies by Debt Recovery Solutions. I can not get the company to remove the false report concerning the alleged debt, nor will they provide any support for the supposed debt and account.
The Vehicle was repo in XXXX Santander Consumer applied the repo fees and it increased the loan and the loan is almost XXXX for a XXXX car the representatives wont work weith m, e each time its someone bto threaten me about repo again and I also to make lower payments every week and it will be credited to my account as a note but thsat wont work either how to work with an company that wont give you a chance at all hardship fall upon some of us but i willing to try and make payments every week to get account caught up but the company wont work with you.what to do
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.
I use a smartphone service called XXXX XXXX which I have my bank account and debit card link to. XXXX XXXX requires updated information from my banking company Simple which is not providing updated information to XXXX. This forces me to not be able to use XXXX XXXX which needs to know if I received my payment on XX/XX/XXXX. Simple will not provide that information which is incredible frustrating. I never had this issue with XXXX and I 'm about to close my simple checking account
My name is XXXX XXXX my father XXXX XXXX and I filed a case against Citibank and you did not properly investigate. Case # XXXX. I was in contact with the FTC and I was advised to call back to speak with an arbitrator which you do not have. The also stated you should be able to provide to me what proof Citibank provided to prove that I called in and changed the extraction date of the payment. Also how did you reach your conclusion? And what proof did they produce to you. This case needs to be opened again Citibank breached our contract. I make the payments for my father and we are both Veterans of the XXXX. Please let me know when the case has been reopened. I will wait to hear from your agency. I now have proof from my statement copies. My bankXXXX XXXX
XXXX XXXX account ending in XXXX still reporting on my credit. XXXX XXXX has already updated Transunion that account is n't mine. XXXX XXXX changed account to responsible person for account. After change Transunion did n't remove but instead put this persons address as my current address on my credit report.
Equifax did not secure my personal information and allowed it to compromised. XXXX2017
A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore
Four years ago I entered into a forbearance for my HSBC mortgage. Worst thing I could have done. I was unemployed and it did a job on my credit. I pay {$1000.00} per month. Only XXXX dollars goes to principal. In 8 years I pad off less than XXXX. dollars. Now finally on my feet financially and they charge me XXXX prepayment penalty plus {$750.00} PMI for a close out. How can they charge me {$750.00} for PMI on a close out. That makes my close out XXXX which is more than my original mortgage in 2007. Something is wrong here.
When I contacted the broker, I was told loans could process in as little as 8 days. When I asked if they could insure 21 days I was told absolutely yes. I am now being told 30 days at the best. 
Initially, XXXX % down was agreed upon. After committing to use their program, I was informed that XXXX % would need to be placed down. 
EVERY SINGLE PROMISED DATE HAS NOT BEEN MET. There has been delay after delay, all blamed upon other entities but, it seems to me there has been little or no sense of urgency to resolve until I get a hold of them at the end of the day and then it is too late for that day. I constantly receive promises that are not kept. The loan processor does n't work every day so there are days where no updates are forthcoming. 
In summary, I feel I was led into a loan and once I was vested in it there has been lack of communication and no sense of urgency to fulfill their promises. 
I advise anyone working with this office to be cautious about what they are promised.
We have had this mortgage since XXXX and we have always had an escrow account to pay our taxes and insurance. The mortgagor did not pay the homeowners insurance again. Stating that they did not receive a bill from XXXX. Well according to XXXX they had the address that they have always had which is an address in XXXX XXXX, SD not XXXX, WY. SO when I contacted the mortgage company they told me that it was my fault that they did not receive the insurance bill to pay it. That it was in our mortgage contract that it is our responsibility to make sure that they receive the bill. Now keeping that in mind we have had the same homeowners insurance much longer than we have had this mortgage company. So if they received the bill the last 3 years and paid it ; they should have received the bill this year and paid it. Also the mortgage company says it has 30 days after the due date to ay the bill. That is the biggest lie I have ever heard. That is not the case and XXXX confirmed that. I do not appreciate paying a mortgage company for escrow when they refuse to take responsibility for paying the homeowners insurance.
I made my monthly mortgage payment ( due XX/XX/2015 ) to LoanCare ( XXXX XXXX ) on XX/XX/2015. I have a pdf of the bank statement showing this was sent ( provided to LoanCare ). The bank showed they did not cash the check so I had it resent. I asked them to remove the late charge from my account as I did send my monthly payment. 
LoanCare replied on XX/XX/2015 From : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXSubject : RE : Delinquent Notice in Error ( XXXX ) Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Delinquent Notice in ErrorDear Valued Customer, Thank you for contacting us. 
Our records indicate your mortgage payment was posted to your account on XXXX and was backdate to the date received on XXXX/XXXX/2015. Also the late charged of XXXX was waived off your account on XXXX/XXXX/2015. Please allow more time for your XXXX payment to post to your account. 
Please feel free to contact us if you have any additional questions. 
Sincerely, Customer SupportXXXX XXXX, VA XXXXOn XX/XX/2015 I received a mailed letter dated XX/XX/2015 that I owed a {$25.00} returned check fee. I emailed them on XX/XX/2015 and XX/XX/2015 ( as they had n't responded ) the following : From : XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Saturday, XXXX XXXX, 2015 XXXX XXXXSubject : Re : Delinquent Notice in Error ( XXXX ) Customer Support, I am now receiving a bill from you for a {$25.00} returned check fee ( letter dated XX/XX/2015 ). I do not understand why I am receiving this. You sent me a notice stating you never received my original payment. I had the bank cancel that check and reissue the same payment. You sent me the note below that the late charge was waived and now you are charging me a returned check fee. This is all due to your inability to cash a check you had for almost three weeks and sent me notices stating you never received it. Please remove this returned check fee from my account. 

Thanks, XXXXTo date, I 've received no response from them.
Collections need to be removed from my credit profile score ...   CBE group,  XXXX  collection
A credit inquiry from Clarity Services Inc. for XXXX XXXX, XXXX is showing on my XXXX credit report. I have made no credit applications in recent history. The CFPB action against Clarity Services Inc in XXXX does not seem to have been effective in altering their illegal behavior.
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you
I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.
i have been the victim of online fraud. i paid a company called impact ranking XXXX on XXXX i reached out to visa for help and was told it was not a billing error. i know that it was not a billing error i told them that.this company charged me excessive fees for something i could have gotten for XXXX.they use unfair and deceptive trade practices.i told the bank i was not rendered any service or product.visa could not have looked into this to render me the decision they sent.i am XXXX XXXX XXXX and they just take advantage of the elderly.i feel my visa card should have flagged it immediately.i thought citi had no fraud liability.
Yesterday, I received a phone call from IQ Data. They threatened to report me to a credit bureau for not paying a debt I owed. When I pressed them on the debt, they told me they had sent numerous letters to XXXX XXXX XXXX. I do not ( not have I ever ) lived at this address. They said that fact was irrelevant. I asked to speak with a supervisor. 

The supervisor was even worse. She raised her voice to me and even egged me into suing, saying they love to be sued. At this point, I heard cheering in the background of the call, so I assume her coworkers approved of her belligerence. When I tried to resolve the debt through a payment plan, she insisted I pay all or nothing. 

Today, IQ Data called my elderly father, a XXXX XXXX survivor, and harassed him. They apparently implied that they had been hired by the government.
I have my mortgage through Mr. Cooper, previously Nationstar since XX/XX/XXXX. All payments have been made in full since the start. In the most recent escrow Annual Escrow Account Disclosure Statement, my monthly escrow payment increased from {$330.00} to {$480.00}. I called and spoke with a representative today ( XX/XX/XXXX ) in the escrow department who identified that there were two payments made in XXXX and XXXX of this year to PMI. {$410.00} was paid in XXXX and {$1400.00} in XXXX. I was transferred to the PMI department and spoke with a representative and a supervisor. I was told that the reason for these two payments was due to my PMI having not been paid. Based on the total ( {$410.00} + {$1400.00} = {$1800.00} ) and the amount of my PMI ( {$58.00} ), 32 payments were missed which indicates that payments have not been made for my PMI since the loan originated. The statements that I have received from Nationstar and Mr. Cooper indicate that payments were being made for PMI. On the attached statements there is a section called Prior Escrow Analysis Account History, which has the wording " This is a statement of the actual activity in your escrow account from xx/xx through xx/xx. '' I was under the impression that my PMI payments were up to date based on this information. I have received two refund checks from Nationstar/Mr. Cooper since the loan originated - {$750.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX. The supervisor at the PMI department advised that I would not have received these refunds had the PMI payments been made. I, however, did not know that the payments were not being made and therefore thought that the surplus checks were indeed surplus after having all escrow liabilities paid. At this time, I am now expected to pay an additional {$140.00} per month due to this error that went unnoticed for 32 months. The error was noticed, according to Mr. Cooper, due to an audit performed by the PMI company and not by Mr. Cooper themselves. I had never received any notice of payments not having been made or that the error was found. This new monthly payment amount is outside of my budget due to Nationstar/Mr. Cooper 's error.
in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?
My daughter XXXX obtained this credit card in 2016. The limit was XXXX. She only spent 80 ( approximately ). She had a medical issue and ended up in the hospital. During this time she made a total payment of XXXX.This still was not enough to bring the balance down. The total balance is currently XXXX, with the majority being late fees and finance charges. 

We called them and although they were willing to remove some of the late fees she was still responsible for paying XXXX via a payment arrangement even though we can demonstrate the she was legitimately in the hospital.
Received certified lette r ( s ) Planet Home Lending LLC   XXXX   XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . on or about  XXXX / XXXX /  XXXX   threatening asset forfeiture proceedings within 90 days if I do not either pay them {$320000.00} or bring a non-existent account current.     My current home mortgage rests with  XXXX   XXXX   ( t o the best of my knowledge ), and the amount of that mortgage is approx. {$220000.00} In the documentation they sent me via certified mail, the claims of : {$320000.00} / This is about {$100000.00} more than my current mortgage with  XXXX   XXXX  The threat to seize my assets ( though there is currently no contract between myself and or any of these entities ) The Declaration Page of the Foreclosure Loss Mitigation Form ( attached ) claims to be a true and correct copy though the document has clearly been altered.     They also claim that they legally represent the note holder, and  they may.  But they have provided me with no proof of that and have not met  XXXX  requirement according to the  UCC 3-501 Verification Standards.      Without or until they provide verification, they have violate d : USC 18.2071,2073 .   Between  XXXX  &  XXXX  (   XXXX   XXXX    ),   The goons they use for surveillance of my propert y ( Lic. plates are  XXXX  ), Planet Home Lending &    XXXX   XXXX   XXXX  (  Both  XXXX   ),  thats at least  XXXX  individual parties.     Sending false documents through the mail also appears to v iolate USC.18.1961, and I  have filed a formal complaint with the  XXXX   XXXX   XXXX  of this possible violation.