WillisBack/dataset-financial-user-claim huggingface dataset:
I'm currently struggling on paying some bills so I went to XXXX XXXX company which helps out people with different creditors to settle on a certain amount so I don't have to pay all of it back. They are currently trying to settle with Lendmark and I understand why they are calling me constantly to make a payment because I haven't but I had already told them to not contact where I work and they continue to. I find it disrespectful and thank XXXX I haven't got fired because they call almost everyday. I had spoke with a lady at Lendmark telling her to not contact me at work and she has other people calling from Lendmark and she should of passed the message to them as well. Also, they contacted my mom the other day asking to verify my employment and I don't appreciate that. I'm waiting till they settle on a agreement but until then I don't want them to contact me at work.
I contacted Navient to place my loans in deferment/forbearance while I collected the necessary documentation for my Income Based Repayment Application. The customer service representative told me Navient did not have the ability to stop my upcoming payment due to the fact I am enrolled in auto-debit payment. The customer service representative told me I had to call my bank to stop the payment. I did so and was told that payment would be stopped. However, Navient told me the incorrect amount of the payment which I then conveyed to my bank and because it was the incorrect amount, the stop payment order was not recognized and Navient was able to debit my account. Trying to rectify this with my bank, my bank informed me that Navient has the power to stop auto-debit at any time, for any reason.
Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.
I've sent letters to this company three times now this is the next step to get them to answer me. i mailed a letter dated XX/XX/XXXX they never responded. I then mail a second letter XX/XX/XXXX. They have not provided me with any information showing that this account belongs to me at all.
I have a Wells Fargo Health Savings Account through my employer ( I am on a health plan that qualifies for a HSA ) and have a debit card for said account. The problem is I just received a letter regarding " amendments to your credit card agreement '' for " account ending in XXXX '' which does not match any of the accounts I know I have and I never applied for any credit card with Wells Fargo ...
I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.
I lost my job in   XXXX  , I contacted the Home saver program here in  XXXX   XXXX   I  was granted 24 months of assistance the Home saver program paid over {$22000.00} on my mortgage  to Wells Fargo, My balance on my mortgage as increased instead of deceasing. I am still havi ng a hard time making my payment. I will sent a letter fr om Wells Fargo st ating I will need to pay my mortgage  XXXX   XXXX . I called them to see how much I would need to pay per I got another letter stating my escrow was short by a few dollars and they were offering me  2 chooses, I wanted to discuss this, when I called I was told I was two  months behind in my payments. I applied for a loan forbearence only to be turned down. I would like my mortgage case looked at. I think something is going on with my balance owed and too see why they will not help me till I get on my feet. could  some one  please help me. I dont know the right words say but I need help.
I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.
On XX/XX/XXXX, I received multiple transaction alerts for charges I did not do. On XX/XX/XXXX only one had posted so I filed a dispute through USAAs application. They issued me a provisional credit while they researched the claim. On XX/XX/2019, I was informed via email that the investigation was complete and it was found that the fraudulent activity did not occur. The " evidence '' they provided to me was 5 pages and included the following : 1 ) Acquirer Allocation Pre-Arbitration Questionnaire 2 ) Merchant Response 3 ) Vivid Seats Cancellation Policy 4 ) ACM Purchase Details 5 ) Proof of Delivery The proof of delivery sent the product I didn't purchase to an email address other than my own. And the vivid seats cancellation policy, under place order, has it being submitted for {$1600.00}. Luckily it didn't go through for that amount and only went through for {$180.00}. The compelling evidence they found was that the CVV was used in the purchase which according to them " ... indicates that the card used to make this transaction was fully authorized, and the further attached evidence indicates the methods in which the purchase was delivered to the cardholder. '' After recieving this information I reached out to USAA to get a phone number to speak to someone in the fraud department. The first person I was able to get in contact with agreed with me that this was a fraudulent transaction after looking at the evidence and transferred my call to a colleague. After waiting on hold for XXXX minutes I figured the department was closed and ended the call. I called back to USAA again and got in touch with someone who said they were in the fraud department and informed me that I could contest this claim and again cited the delivery email address not being mine and and the attempted {$1600.00} charge as unusual. After getting off the phone with this representative I was convinced someone had taken this invasion seriously but I was wrong. Today, XX/XX/2019, the provisional credit issued to me has been reversed and my account overdrawn. I again reached out to USAA and was informed that the they " are not able to have this case reopened '' which means I was lied to by the two previous representatives who assisted me. 

I work in the financial industry and through this experience I have lost faith in our ability to protect consumers information and the banks themselves.
My complaint is against Transunion and XXXX. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.
I have disputed the XXXX XXXX account numerous times in the past with Equifax. As this account is not mine. And every time Equifax return the Dispute as verified without any proof of a proper investigation. I want to know how Equifax was able to prove an account that I have no recognition of as mine? This XXXX XXXX account has been on my credit files for years. The other two credit agencies had no problem removing this account. Because they were unable to verify it was mine. But Equifax keeps returning my Dispute back as verified. I tried calling XXXX XXXX but they were on able to give me information on the account. Because I was unable to verify the account information. Equifax needs to show proof of their investigation and how they were able to prove this account was mine.
XXXX XXXX XXXX card account keeps appearing on my credit report I disputed it's removed there it is again reported in a different number sometimes I become an authorized user sometimes it becomes an individual account sometimes it becomes someone else 's account sometime it becomes stolen or lost card it is completely making my credit score fluctuate
On XXXX XXXX, 2016 I notified XXXX XXXX that I was revoking their authorization to charge my debit card. On this same day I notified Chase that I had revoked the rights of XXXX XXXX to charge my card. I was told that all I had to do was replace my current card. Which I had done on XXXX XXXX, 2016 due to the card not being read anymore by card readers. I did what I was supposed to do but then on XXXX XXXX, 2016 XXXX XXXX charged my card {$160.00}. Dispite the fact that I was told this could n't happen it did. I called immediately and filed a dispute and was told that I do n't have any grounds because it was my obligation to pay. However it is not the banks job to tell me what my obligation was. This is a matter for civil court and if XXXX XXXX wants the money that is we 're this should be. Chase should not be involved. When I called XXXX I notified them that the line was being recorded so I have this all on recording. On XXXX XXXX, 2016 when I spoke with the supervisor at Chase I notified him that this line was being recorded and he stated he did n't agree but never asked me to disconnect the line. During this conversation I asked for the supervisors manager to call me back. She did at XXXX on XXXX XXXX, 2016. I argued with her and was told that XXXX XXXX pays XXXX money to allow this type of transaction to occur. I notified her that XXXX is not my bank and Chase was and I did not give any authorization to this illegal and immoral activity. Either Chase permanently refunds this money or they are comitting fraud along with XXXX XXXX.
My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.
I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.
We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
I CONTACTED SEARS HOME IMPROVEMENT TO INSTALL HEATING/AIR CONDITION IN MY RENTAL HOUSE AT XXXX XXXX XXXX XXXX, NC XXXX. I WAS GIVEN THE PRICE AND ADVISED IT WAS INTEREST FREE FOR THE XXXX 12 MONTHS THEN AFTER THAT THE INTEREST WOULD BE BILLED ON REMAINING BALANCE. I HAVE PAID XXXX MONTH FOR 12 MONTHS WHICH LEFT A BALANCE OF XXXX. AS OF THE XXXX BILLING STATEMENT. MY XXXX STATEMENT {$1500.00} WAS ADDED TO THE STATEMENT. SINCE I HAD NOT MADE ANOTHER PURCHASE I CONTACTED SEARS PHONE ON THE STATEMENT ONLY TO FIND OUT THE STATEMENT WAS SENT OUT AS SEARS HOME HOME IMPROVEMENT BUT THE NUMBER ON THE STATEMENT WENT TO CITIBANK - WHY SEARS IN LISTED AS THE COMPANY AND CITIBANK IS THE PHONE NUMBER IS BEYOND ME. THE SUPERVISOR ADVISED THAT {$1500.00} WAS ADDED FOR THE RETRO INTEREST TO THE XX/XX/2015 STATEMENT BECAUSE THE BILL WAS NOT PAID IN FULL IN XXXX YEARS AND INTERST WOULD ALSO BE ADDED IN DOUBLE DIGITS PERCENTAGE. THIS IS NOT WHAT THE SALESMAN THAT SOLD ME THE UNIT TOLD ME. SO NOW I HAVE PAID XXXX XXXX XXXX. AND NOW THEY CHARGE XXXX MORE WHICH AMOUNTS TO XXXX BEING CREDITED ON MY ACCOUNT. PLEASE HELP ME I HAD XXXX XXXX AND NEED YOUR HELP DESPERATELY. I HAVE REQUESTED A COPY OF THE AGREEMENT ONLINE SO I CAN FORWARD TO YOU BUT HAVE NOT RECD YET - THIS IS BAD BUSINESS AND THERE IS NOT TELLING HOW MANY TIMES SEARS HAVE PULLED THIS TYPE OF DISHONEST TRANSACTIONS TO THE CITIZENS OF NORTH CAROLINA. PLEASE HELP XXXXXXXXXXXX XXXX XXXX
On information and/or belief, XXXX is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that XXXX closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY XXXX reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW XXXX is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of XXXX and in violation of FCRA.
I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I have already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this  collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know.

Reporting Collection Account : 1 ) XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Open Payment Status : Unknown Balance : {$2600.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX   XXXX, PA. XXXX
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!
I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.
<P/>The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.
I have contacted Experian several times about an unauthorized XXXX credit card hard inquiry made without my permission on XX/XX/2018, i have told chase i did not make that inquiry, today XXXX has also confirmed that i did not make that inquiry and has asked Experian to remove it from my credit file. I have submitted a PDF file provided to me from XXXX supporting what i said before.
A couple years ago XXXX XXXX bills showed up on my credit report. These are Not my bills. I spoke with American Adjustment Bureau and explained these bills were not mine. They were removed from my credit report. it has been a few years and now they have reappeared. I 've contacted American Adjustment Bureau and they tell me they do not have these bills on file. How can they put it on my credit reports if they do not have bills on file. I have not used XXXX XXXX for severces in many years. I would like to file a complaint against American Adjustment Bureau.
On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account
XXXX  SPLIT MY CREDIT REPORT INTO  XXXX  RESPECTIVELY!  <P/> TO KEEP THE  XXXX  FILES COMBINNED THEY SUSPEND  XXXX  ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED )  1 ) .CO NFIRMATION NO. XXXX  DATED  XX/XX/2016 - STATUS PENDING 2  ) .CONFIRMATION  NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT  XXXX  IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
I applied for a loan with a loan advisor XXXX at Royal United Mortgage XXXX on XX/XX/XXXX for myself and wife to pay off our investment property I sent over copies of 2 years of tax returns XXXX our drivers license copies of both residence bank statements and all our loans and credit cards information thinking that we would be approved for the loan from XXXX who mentioned it sounded like he had approved the loan. After all the transaction of trusting this guy he called on XX/XX/XXXX and told me that the loan was denied.My main reason for this complaint is after applying for that loan XXXX some how added my wife information onto my credit and added my information on hers causing both of our credit scores to drop extremely low I would like to know if this legal or is this considered fraud.Thanks
I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.
On   XXXX   XXXX   XXXX    , I forwarded a request to Equifax to provide verified of listed items or for them to delete them from my credit report. As of today,   XXXX   XXXX   XXXX    , I have yet to receive any results of any sort. On the letter to them, I included my address as well as copy of my ID and SS card to show proof that all my information matched and to confirm my identity. It has been over the 30 days they are allowed to send the results back to me.