WillisBack/dataset-financial-user-claim huggingface dataset:
Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. 


Im so upset! Can you give me some advice? 
Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! 
My credit score WAS very good. Now I cant purchase my next home until this gets fixed. Please help!
1. Purchased home on XX/XX/XXXX. 1st Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX, 2nd Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX. Purchase price for home was $ XXXX 2.  XX/XX/XXXX 1st mortgage was sold and 2nd mortgage was sold to XXXX XXXX  XXXX. 

3. In XX/XX/XXXX both loans were sold again, the 2nd mortgage was sold to a " XXXX XXXX  ''. I contacted XXXX as I was no longer getting the bill 's and they responded by saying they hadn't received all the information on the loan, and quickly it transferred another bank and then again another bank and I was unsure who I needed to pay. 

4. In XX/XX/XXXX we had an opportunity with XXXX XXXX XXXX to refinance into a modification and we were told that the new loan would be $ XXXX, we thought this as including the 2nd mortgage. 

5. From XX/XX/XXXX to XX/XX/XXXX we made our payments ontime thinking we were paying for both mortgages, but in XX/XX/XXXX we received a forclosure packet from Franklin Credit Management Corporation. We throught from XX/XX/XXXX to XX/XX/XXXX we were making our payments, we weren't receiving any correspondence regarding a 2nd mortgage and our credit report no longer showed the 2nd mortgage or any late payments so we were extremely confused as to why we would be served forclosure papers. I have attached the notice of default we received from Franklin Credit stating we needed to pay {$39000.00} to cure default. 

6. From XX/XX/XXXX until XX/XX/XXXX I was trying to figure out what was going on with regards to the 2nd mortgage as I thought it was paid, and because they were going to foreclose I had to start making payments on XX/XX/XXXX of {$1700.00} per month up until current. Please see attached payment history. 

7. XX/XX/XXXX we decided to list our house on the market and asked for a pay off from both mortgage companies and the 2nd mortgage sent us a payoff of {$80000.00}.
My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
I tried to dispute charges on my BANK OF AMERICA CARDS with the following companies XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. I paid these companies a combined total of {$27000.00} on my Bank of America Cards. 

I paid these ( 3 ) companies a combined amount of over {$63000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who falsely led me to believe that I would achieve substantial earnings by signing up with them. 

They were to Create a custom website, Market and add over 20,000 products to my website creating exposure and guaranteed traffic flow. In total I have paid them thousands of dollars for nothing except leave me with a worthless non- functional site. Instead I have been left with severe debt because of their false promises. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
I recently noticed a repeated credit inquire every 3-months on my report since 2013. This is only on my Trans-Union report. The report list creditor contact a SYNCB/PAYPALEXTRASMCORLANDO, FL XXXX XXXX XXXX XXXX XXXX. I called this number and they state someone is applying for credit using my social security number and that I needed to contact Trans Union and hung up the phone. I called Trans-Union to report the fraudulent activity and they said they can not do anything about it, I asked for the information to be disputed and open an investigation and the Trans Union Representative refused to take such a report. only their represented refused to note the account. I asked for contact info to report the inquiring company and the fraudulent activity, there the Trans-Union representative stated he knows there is a number I can call but he does n't have the number as this time and that I needed to report the fraud to the company pulling my report. The company listed on my report said they do n't know anything about it and that XXXX is applying for credit in my name. I have called XXXX and they transferred me 5-times and noone there seems to have an answer either!
A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.
I 'm with Navient and was encouraged to enroll in the Income Driven repayment plan. I make XXXX a year, however, that does n't show/take into consideration what I pay for yearly rent, car payment, insurance, credit card & medical debt. My first couple of payments were close to XXXX. Very manageable. With in a few months, my payment shot up to {$570.00}. I ca n't pay that monthly, which drove me in to Navient 's next " best option '' forbearance. They also wo n't allow you to change your payment plan unless you call them. You can only apply for deferment or forbearance on their site. I know they 're in a law suit right now, so I 'm hoping this complaint helps with that. They made no efforts in truly educating me on the income based plan. To my knowledge the first few years of payments would start low and end higher based on my income growing. Clearly this was n't the case. And the amount of interest I 've incurred because of forbearance is just ridiculous.
I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}
I have a total of 2 accounts with XXXX XXXX XXXX and these accounts were closed on XX/XX/XXXX. XXXX XXXX continues to report payments as being late on my credit report on an account that has been charged off. XXXX XXXX reported in XX/XX/XXXX and XX/XX/XXXX. I don't see how that is fair or lawful when it continues to lower my credit score.
Equifax has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {XXXX}. This account has been removed from all of my credit reports multiple times, but is put back on when Equifax attempts to sell me one of their monitoring products.
Contacted all XXXX credit bureaus to have a account added to my file. This installment loan was taken out by myself and paid in full on time each month. I 'm trying to show future creditors that I 'm am reliable and able to take care of my financial responsibilities but if it 's not being reported I ca n't prove that. I 've sent correspondence to all credit reporting agencies and have n't heard anything as of yet.
On XXXX XXXX I paid off {$38000.00} to XXXX XXXX XXXX XXXX which had loan from XXXX XXXX XXXX. XXXX XXXX XXXX also sold my information with that unpaid balance to Richland Holdins, INC DBA. This debt was in full on XX/XX/XXXX and I was promised that all negative information from all these companies will be removed from my credit reports, they did not do it.! Please, help me to fight them and fix it.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.
I am appealing the Loan Modification Agreement Terms and asking for further assistance. Again, I am writing to save my home at XXXX XXXX XXXX XXXX XXXX, La. XXXX. I am asking that you reverse and remove all pre-foreclosure charges and stop the foreclosure procedure and cost while we began to work through a viable financial repayment plan that will allow me to save my home of 20 plus years. I will not be able to make a balloon payment of {$58000.00} after paying you for 18 years more than the 20 years that I have paid you. Last year, I also paid a {$7800.00} payment which included previous mortgage payments, late fees, server fees, other fees, inspection fees, attorneys fees, sheriff fees and additional fees. I would like to have the {$7800.00} money applied to back payments only to reduce my loan. I am trying to save my home and I am unable to do so with the surmounting fees.The goal of paying the mortgage is to retain my home. Home retention is what I am fighting for. I qualified for a loan modification since XXXX so I am requesting that a lower rate be retroactive to XXXX and applied to the loan and reduced the mortgage. Was this loan originally with SPS or transferred as a servicing mortgage? When? I am requesting those documents.I am requesting that you send me original documents with letterhead that just states that SPS is servicing this loan. I am requesting original documents that are readable. I need the entire loan package. I would like a Loan Modification Agreement that I can afford on a XXXX XXXX monthly income check. I am requesting a lower interest rate. I have a rate of 8.50 %. Please help me to save my home of XXXX plus years with your company. I have been paying this loan for nearly 20 years and owe more than the initial loan amount. I do not want to lose my home or the opportunity for a repayment plan. I am a XXXX XXXX XXXX Veteran who served in the XXXX XXXX a XXXX years old. I am still receiving 24 hour hospital care for the past 10 months after suffering 3 XXXX in the last 12 months and two more XXXX in 24 months. I currently receive XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I need an affordable repayment plan with a new mortgage rate to keep my home while continue to heal and before I die.
XXXX XXXX XXXX XX/XX/2016 Amount {$240.00} Phone of debt collector : XXXX Collector : Pendrick Capital Partners II LLC XXXX XXXX XXXX XXXX IN XXXX email : XXXX XXXX
Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.
I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.
I have XXXX accounts that is fraudulent : XXXX and XXXX. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.
According to my calculations i went to my local XXXX around XX/XX/XXXX, the cashier encouraged me to get a credit card with XXXX. I was approved for {$200.00}. She told me to sign a paper and that was it. No explanation of monthly fees, she said if you buy something you can just pay it back later on if you do it through credit so that's were things got confusing. i thought as i used the card i would have to pay back later on. I didn't know of monthly fees until months later when a credit company called me telling me i owed {$200.00} plus dollars. I've only gotten one {$20.00} object from this store. I NEVER got my credit card in the mail and never got notice of bills in the mail. Today, i got a call from XXXX XXXX, all other times I've received calls its during my work hours. I have tried to call back after work and it always asks me to give them my account information. i cant give them that information if i do not have it. Otherwise all i can do is talk to an operator. i sneaked out of my job to talk to them today. The guy was very rude. he wouldn't even let me talk. i was tying to explain to him that i wanted to pay in payments since it was XXXX  season. I felt harassed in a way because he was nonstop telling me you have to pay now and i repeatedly told him i was going to give a payment and pay the rest every Friday. continuously he would talk over me as i tried to explain how i wanted to pay off my dues. I think this whole deal was poorly taken care of and its affected my credit the most.
This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.
The credit reporting company posted a debt to my credit report, that is not mines. The company did not even give me a letter about debt prior to posting to credit report. 

Letter dated XX/XX/XXXX but posted on my credit report on XX/XX/XXXX. I plan on suing this company as well. 

I have also filed a complaint with the Attorney General of Florida. 

The Fair Credit Billing Act ( FCBA ) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. In addition, any interest accrued on the billing error has to be dropped if your claim is confirmed.
Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating " repossession '', my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton. 

Equifax continues to report this negative tradeline despite the numerous requests for evidence to their investigation practices. No such documentation received.
On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.
Nelnet student loans provider 1 ) I have been in contact with Nelnet several times over the last 6 years, I would sporadically call in to check on my Public service forgiveness. I was always told that as long as I didn't miss a payment, I was in good standing to receive this forgiveness after my 10 years of payments. I recently found out that I do not qualify after being told that I did for years. 
2 ) On one of my calls checking on my public service forgiveness, I asked for details on when my Loan would qualify for forgiveness ( time frame ). Later that week or month i was told that my payment was going up from {$150.00} to {$180.00}. Date of conversation was around XX/XX/2014. Only explanation i received was the payment was miscalculated. 
3 ) I do not believe this was Nelnet but somebody refinanced my loans without my knowledge or agreement. I asked for those documents from nelnet and was told the only way to get those was through a subpoena.