WillisBack/dataset-financial-user-claim huggingface dataset:
InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.
I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.
It looks like Chase is doing something similar to what XXXX XXXX was caught doing in opening fake accounts. I was contacted by XXXX XXXX at Chase bank in XXXX XXXX XXXX, CA. She told me that if I opened a new checking account and transferred money in, I would qualify for a bonus of {$200.00}. She said I needed to come into the branch to open the account, which I did about XX/XX/XXXX. She told me that in order to open the account, I would need an employer direct deposit. I told her I 'm XXXX XXXX and do n't have an employer direct deposit. She said that as long as money was transferred into the account within 30 days of opening from a non-Chase account, it would qualify for the bonus. On XX/XX/XXXX, I transferred the required amount from a non-Chase account. 

While I was opening my account, she told me that my wife would also qualify for bonus money if she opened an account as well. I told her my wife is a XXXX XXXX with no income and she said she would qualify under the same rules. My wife went into Chase on XX/XX/XXXX, and opened an account. The person that opened the account was not XXXX and said they did n't know if my wife would qualify or not. The banker suggested I contact XXXX. 

I called her the following week and told her the issue about my wife 's account. She said she would look into it and get back to me. I never heard from her. I called and emailed her several times with no response. Finally, on XX/XX/XXXX, after getting no response from her, when into the branch where she works. I talked to her and told her of the issues with my wife 's account and that I still had not gotten the promised bonus money. She said she would talk to her manager and get back to me the following week. I never heard from her. 

About XX/XX/XXXX, I called the branch and asked to speak with XXXX XXXX, the branch manager. I told her what had transpired. She said she would talk to XXXX and get back to me the next day. I never heard from her. 

On XX/XX/XXXX, I called and talked to XXXX. She said she talked to XXXX and she denied ever telling me what I was told. XXXX told XXXX that I was told it would have to be an employer direct deposit to qualify for the bonus money. 

Of course, that makes no sense. Why would I ( XXXX XXXX ) and my wife ( XXXX XXXX with no income ) open an account with the promise of bonus money if the only way to get that money was a direct deposit, which neither of us have. It seems that XXXX got us to open accounts to increase her bonus. I thought it was weird she would cold-call me for just that purpose.
On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.
To begin with I am a senior citizen I am XXXX years old .At the end or about the end of XXXX XXXX I contacted XXXX XXXX at Megastar financial. I gave this gentleman all the information he requested i.e. IRS forms, bank statements, copies of my checks from my job and he sent them to his underwriter ... he came back telling the realtor and me that there are no red flags and I have no reason to not sell my home and I can look for a home between XXXX and XXXX. This was five months ago my home did not sell until XXXX XXXX. My current Realtor was also given the go ahead to find a home for {$380000.00} I am looking in XXXX, California ... we looked at in at least 15 to 20 homes I found one about XXXX XXXX for {$380000.00}, I still have the the escrow papers, and put down my {$3000.00} earnest money. The house was an escrow for about a week or so and then XXXX came back and said I 'm sorry you ca n't get the home because the taxes are too high so I Lost the house. Then XXXX tells my realtor and I that he has to do over the numbers again ... then he gave me a quote of XXXX to buy a house ... XXXX you ca n't buy a house at XXXX in XXXX that is a {$50000.00} difference .... if I had known this I would not have sold my house so he virtually left me homeless because he did not tell me in XXXX what the actual price of the home would be I could buy!!!!!! he waited until after my home was sold and I had no place to go!!! Again I had given him All the information he requested by XXXX and it went through his underwriters and he still came back with a quote of XXXX ... .he waited until after my house was sold then he told me you ca n't buy the house I told you you could. XXXX XXXX left me homeless and I have my son XXXX dogs XXXX cats and a bird a bunny and a snake so he 's leaving my animals homeless as well. He 's causing grave emotional, mental, and financial abuse to myself and my son and animal abuse to my animals because we are homeless right now. This is also possibly senior abuse since I am almost XXXX. My house is sold and I have to move out on the XXXX I have no place to go and I and I have not enough money to buy a home because XXXX did not do his job correctly he lied to me and the Realtor 's for 5 months ... Iwould not have sold my home if I knew all this information in XXXX so for five months myself, my son, and the Realtor 's ( more than one three realtors ) were under the God-given impression that I could buy a home for {$380000.00} .and after my home was sold he changed his tune ... ... .I am left homeless. I would like Megastar financial to finance the loan for a {$380000.00} home just as they said XXXX months earlier before I sold my house instead of waiting till after my house was sold and leaving my son my animals and myself homeless
Under sec 609 Of the FCRA The Creditors must show A Document with my Signature On It to report the information. I know They do n't have that information on hand and They still keep reporting the Items on my Report I dispute. I dimmed this get fixe.
My wife and I sold a condo in XXXX of this year. We accepted a down payment from the buyer and agreed to let the buyer make interest-only monthly payments of {$3400.00} for a few months until he paid off the remaining principal of {$910000.00}. 
At our realtor 's suggestion, we enlisted Del Toro Loan Servicing Inc to collect the buyer 's payments and deposit them to our bank account, all loan expenses to be paid by the buyer. 
The buyer paid off the loan on XX/XX/XXXX along with his final interest payment. 
We expected that payment to be {$910000.00} plus {$3400.00} equals {$920000.00}. 
Instead, the deposit to our account was for {$920000.00}. 
When I asked Del Toro why the payment was {$110.00} shy, I was told it was because the buyer was one day early with his payment.

My agreement was with Del Toro, not the buyer. I really don't care about the timing of the buyer 's payment to Del Toro.
I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The following students loan were reported twice. 
XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed The other account is from XXXX that appear XXXX missed payments. This account was pay in full and in the credit information is incorrect. 
The XXXX XXXX XXXX XXXX # XXXX is a secured account with a saving account. Is impossible that can be 30 days in delinquency. 
The XXXX XXXX XXXX XXXX # XXXX has an incorrect information that not was investigated properly.
I was initially denied the ability to cash a check at XXXX via XXXX. Yet, in a matter of minutes, I was able to cash the same check via XXXX. Then, XXXX sends me a nasty gram stating that the original furnisher of information was Early Warning Systems, LLC. I never authorized Early Warning Systems to have access to my information.
I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.
My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both, and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX, Capital One, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and XXXX showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX XXXX not offer them all they money they want.
Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan. 
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California. 
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts. 
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!
My borrower, OCWEN Loan Servicing LLC has repeatedly caused me problems with disbursement of funds from an insurance claim check that I was given for repairs that I have paid for as a result of Hurricane XXXX in XXXX 2016. The XXXX insurance company paid my flood insurance claim within weeks of the loss and as per policy, the {$22000.00} check was written out to me, my wife and the mortgage companies ( OCWEN and XXXX XXXX XXXX ). XXXX XXXX XXXX had an authorized representative in their office endorse the check the day I received it in XXXX. In that time, I had paid a contractor to perform all of the repairs, and had receipts that they were paid in full. 

Numerous times I have called their toll free number and was given different requirements from OCWEN representatives ranging from " All you need to do is send the check and we will endorse it '' to a litany of different requirements. When I sent the check in XXXX, it was sent back, unsigned with a letter attached with a list of requirements as if I was waiting to have access to the funds in order to start the repairs. No phone call to clarify why then sent it back unsigned. In the interim, we were given piecemeal different requirements in order to get access to the funds such as copies of receipts, a XXXX form for the contractors, an affidavit which shows that the contractor could not put a lein on the house, among others ( why this was not specified prior, seems to be unknown ). Finally, once they have all of these documents, they ask for us to endorse the check and send it to them. While unsure of why, this process was not going to proceed without it, we reluctantly signed and sent if off again. 

The next issue that we came upon is that they did not accept the Adjuster 's worksheet which The XXXX hired to document to damage. They said it was invalid since the adjuster did not work for The XXXX. This caused us to contact the insurance agent and The XXXX for a letter stating that they hired the adjuster for this claim. 

They stated that they needed to send an inspector to verify that the work was complete. An inspector came and spent not one minute to verify that the repairs were completed. Another week went by and they claimed that they had received the inspection and that they were sending us the funds. The check arrived today and it was written out to us and the contractor, so we have to go to the contractor to get them to sign it before we can have access to the funds. 

It is unbelievable that this could not be resolved any easier. Should I have not had the resources to pay for the repairs, I would still be waiting for the work to start and be without heat in the house.
On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed