WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was purchased by Seterus some years back, while I was in the middle of a chapter XXXX bankruptcy. Seterus has repeatedly rejected all attempts on my part to communicate with them. They said that I needed my lawyer to send them a permission. I asked my lawyer at least XXXX times to send such a permission, and was informed each time that such a notice had been delivered. 
My chapter XXXX was discharged successfully in XXXX of this year. I am XXXX of the 35 % who are successful in this regard. I sent notice to Seterus, along with the discharge papers, via fax. I requested information on the status of my account ( Escrow, Suspense Account, and Payment Coupons ). I received no reply. I asked again via e-mail. Again, no reply. Then I checked my credit report and found that Seterus was listing me in their account statement as having declared bankruptcy in XXXX of 2015, rather than having been discharged. Bringing that to their attention resulted in nothing as well.
I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.
At Citibank, I opened a checking account with opening bonus offer.

XX/XX/XXXXI opened and deposited XXXX  . XX/XX/XXXX I deposited XXXX $ XX/XX/XXXX I withdraw XXXX $ XX/XX/XXXX~XX/XX/XXXX is 62 days and I met the bonus term and waited.XX/XX/XXXX I inquire the bonus and citibank says : Unfortunately, your account does not qualify for the promotion because the required amount of deposit was not maintained within stated timeframe. The term was : Open a new checking account in the Citibank Account Package by XX/XX/XXXX.  

Within 30 days after account opening, deposit {$15000.00} or more in new-to-Citibank funds into new checking Account or new or existing Savings Plus Account or Citi Savings Account.

A minimum balance of {$15000.00} is required to be maintained in the new checking or new or eligible Savings Plus Account or Citi Savings Account for 60 days from the date that the {$15000.00} deposit is made.
I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.
Applied for home equity line. Completed app over phone. Provided eLending site to verify app and download documents. Instructed by loan office to email PII information to him ( Social Security verification forms ) containing SSN, names, addresses, etc. 
Attempted to contact bank to inform them of unsafe practices. Could not find someone to take action. Redirected to others with no luck. 
They have not implemented processes that safeguard my personal information. I know of others who had issues with identity theft with this bank. Something needs to be done. We canceled the application due to very unsecure practices. They are international.
I keep paying navient. I even put it on automatic pay and they are always telling me I am late
I have attempted to contact midland funding on three occasions regarding this debt. First attempt was in XXXX 2017, XXXX 2017 and in XXXX 2017, they have repeatedly called and have sent me harassing letters. They do not understand that this is not my debt.
Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.
XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.
- In XXXX XXXX applied for loan modification of single family home. Loan was originated in XXXX XXXX and is now with Ocwen- This request was denied. Received a letter dated XXXX/XXXX/XXXX saying that they did not provide an appeal period for the denial, and wanted to provide an opportunity to do so. Paperwork was sent as requested in XXXX of XXXX. 
- Receipt of this paperwork was acknowledged in XXXX on our online account- All acknowledgements of receipt of paperwork sent have been erased from the account as of XXXX XXXX, XXXX. 
- This is the case despite multiple requests for various pieces of paperwork during the initial process and lengthy processing times. All requested items were submitted, and copies of these documents have been retained. 
- Interest rate and payment continues to go up. It is currently at 6.35 percent.
I applied for the US Bank Hardship Program and was told by Customer Service not to make payment until my new interest rate and minimum payment were finalized. Once the new terms were set up in XXXX 2015, I was told to make payment XXXX 2015. US Bank is now reporting me to the credit bureau 's as 30 days late. I have spoke to multiple customer service agents who tell me " By law US Bank can not remove negative information such as late payments '', which I know is false. I have filed disputes with the credit bureau 's as well as CFPB. US Bank responded with a letter stating additional false information. They stated that I told them I prioritize my payments and would not be able to make payment until the following month. That information is incorrect as all of my accounts and payments are a priority and I have never made a late payment on any of my accounts. That clearly can be seen on all three credit bureau reports. US Bank also stated that the representative that I spoke to who set up the new terms did not tell me to wait and not make payment. That information is also false. The representative who finalized the new terms was not the same person who told me to not make payment. In a previous conversation with a different customer service agent, I was told to not make payment until my new terms were set up. 

I have been a loyal customer with US Bank for over 10 years and do n't understand why I am the one being punished for being provided with wrong information.
The has been in the repair shop sine the beginning of XXXX I explained that i will have to pay for this care to be repaired and had to pay for rentals in the beginning. They stated they can only offer me an extension. I explained it is a hardship right know not having my car and I have to save the money when it is ready. The call me 6 times a day back to back it is XXXX and they Just called and left 2 messages. the car is already disabled I do not understand what they want me to do. I have answered them via email I do not want to talk because I am at work I told them to contact me via email. Harassing needs to stop until I have my car returned or they need to contact me via mail and email. 
Autotrakk which I pay weekly Thank you
THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again
I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks.
2 years ago we placed a freeze on our credit with the three agencies ( Transunion, XXXX XXXX XXXX ).  Since then we have lifted the freeze for a short window with XXXX XXXX XXXX. Yesterday we were asked by our bank to lift the freeze with Transunion. We called and spoke to Transunion and they said the freeze was lifted until the following Friday at XXXX. The charged our credit card their required fee. 

The bank still could not get a report. Transunion kept asking them for OUR pin number. We called Transunion again and they said we would have to pay again to have it lifted. Not wanting to jeopardize the load we again paid and have credit card receipts showing the 2 payments. The bank was still unsuccessful in getting a credit report even using our pin numbers. 

These are the people that we entrust with our most personnel information and they demonstrate incompetence. It will be too late for us, but please stop this from happening to anyone else.
This debt is from Synerprise Consulting Services, the original creditor XXXX XXXX. I have no knowledge of owing this amount of money ( {$450.00} ). I was not made known of this debt, and in regards to XXXX XXXX, there should be no outside lab contacting me. I was made verbally known by my doctor 's office over a year ago ( I don't have specific dates because I'm just as in the dark about this! ), " Not to worry, our office manager went over your insurance and you won't owe anything out of pocket ''. So putting two and two together, I'm assuming this is where it is coming from. Either way, I had NO idea about this, or even if it's actually mine ( as I'm having to only assume ).
I XXXX XXXX, XXXX XXXX XXXX, XXXX SC, paid my debt to XXXX XXXX   for {$62.00} and to their partner Company XXXX XXXX I paid my debt for {$280.00} I have contacted the company on many occasions to get a " : paid letter '' '' Every time I call I am told it was mailed. 

So far I have been told this 4 times including today XX/XX/18. The credit department says contact the post office. I don't feel I need to do this since I have not had any other of my mail not received including electric bill, phone bill, cable bill, water bill, and 12 credit card bills, as well as misc mail. It seems very odd that this is the only document that seems to be missing even though I was told it was sent 4 times already. 

I need these letters to prove to my creditors they were paid before I can do any more business with them XXXX XXXX XXXX phone is XXXX XXXX XXXX my acct # XXXX XXXX XXXX number is XXXX XXXX XXXX my acct number XXXX All they know how to do is say " we will mail it again '' '' I paid the first bill on XX/XX/18 and the second one on the second one a week or so later.

All I want is my letters showing these accounts are paid in full and have been getting a run around for two months. 

Thank you XXXX XXXX XXXX XXXX
Moneygram locked me out of my online account, which use to send money to my family, back in XXXX. When asked the reason, why I was locked out ; when i called moneygram i was told by a customer service agent, that its for security reasons. But i think its because of discrimination, based on whats happening with lottery scamming in XXXX, i feel i was targeted and locked out by moneygram, based on my remittance, destination.
On  XXXX / XXXX / 2017  I sent a dispute letter to Transunion stating that I never made late payments on my   XXXX   XXXX   account #  XXXX . After 30 days I never received a reply from Transunion. I sent them a second letter certified mail on  XXXX / XXXX / 2017  explaining that under th e Fair Credit Act they ar e required to delete the late payments being disputed. I have not heard back from them at all and they did receive the letters.
On XX/XX/XXXX I discovered that someone had purchased {$500.00} off of my child support card through a company called XXXX. I called the customer service number on the back of my card, was transferred to the fraud department and a started a claim to get my childs money back. I closed the card and received a new one in the mail. I also received all of the fraud paperwork to fill out, which I did and sent back in. On XX/XX/XXXX they refunded my childs money back, saying that it was temporary until the investigation was over, which would take 45-90 days. On XX/XX/XXXX I noticed that they did a debt reversal and sent the {$500.00} back to the company. Ive called the number on the back of my card. Ive called XXXX XXXX, which is the bank that eppicard is through. Ive tried getting ahold of the company in charge of the fraud department, Us Direct Express. On the phone for over 5 hours on hold, and the only person I talked to was from XXXX XXXX  who told me that he talked to an agent with the fraud department eppicard uses who told him that I would only be on hold for 2 minutes, he transferred me and 30 minutes later I was still on hold. Ive even  tried getting ahold of the company that the purchases were made through, and the phone just rings and their live chat doesnt work. I just want this resolved.
This weekend I was out of town and again was charged {$34.00} six ( 6 ) times. As soon as I received a message from Chase I deposited funds into the account. I worked for WAMU  and opened my account in the year XX/XX/2000and then worked for Chase  until my Doctor placed me on permanent XXXX fixed income. As an Employee Account I should not be charged these fees. They just refunded 10 such fees last month.
Today XX/XX/2017 I just received in the mail ( XXXX ) an seattlement offer letter from navient that was dated XX/XX/2017. The offer states that it is a payment plan however it says that I must have it paid in full electronically directly to navient no later than XX/XX/2017. Not only did I not recieve the offer until a month after they dated it, navient did not give me appropriate time to respond let alone actually work with the company to reach a settlement in which I could send them the funds. According to the letter, I need to pay the amount in full immediately, but the offer was significantly higher than they offered me or my cosigner over the phone, just days ago. The offer also had incorrect financial data ( compared to their own website ) The offer states that if I did not accept their offer and pay immediately, I will be held to the total amount due of all my student loans, the number that they provided includes federal loans which are not in default at all. There numbers also take into account what they estimate how much I will owe navient. Not a current balance ( including interest and fees in advance ). In addition this settlment offer does not cover which loans, what type of loans, if there will be any additional fees etc. 
I feel as if this is act of retailation to my last complants I filed w cfpb. I filed simular complants w cfpb in reguards to over charging my account, not correctly reporting payments, not listing payments made ect. In which I have yet to recieve any resolution or communication from navient about. 
I plan to call them back tomorrow and and request 2 weeks which the law allows to review the offer. I am very frustrated and concerned by the fact that this seems like another illegal attempt by navient to illegally hurt, intensionally mislead, and damage the life and wellbeing of student, cosigners and borrowers.
XX/XX/2012 we started with XXXX XXXX XXXX  XXXX XXXX. She assured us she would assist us with a modification or plan to save our home. We supplied the necessary paperwork and exchanged emails back and forth. During this time our home was actually broken into by a Preservation Company hired by XXXX XXXX. They did substantial damage to the home which we informed our attorney. We continue to work with XXXX XXXX when we found out they had been sold to XXXX XXXX during this time the house was occupied by tenants that distroyed the home. We filed an eviction and forced them out of the house. We then found out that it was infested with bed bugs. It took us many months to disinfect and remove sheetrock and carpeting to fully get rid of the bugs. Finally the house was cleared and we moved forward to get it rented again. Still working with XXXX XXXX on the modification we then were informed that the loan was sold again to XXXX. Once again we filled out the needed paperwork and calls to representatives to get the loan caught up. About 5 months ago the loan was changed again to be serviced by Loan Care. I have submitted paperwork again including leases, P & L, taxes and such. The reps we have spoken to our many yet no one has assisted us in moving forward to get this processed. Obviously from when we started this process in 2012 our situation has improved as the house is fully rented with reliable tenants and leases. Our income although not where it was 8 years ago has as well improved these conditions currently help in the request to modify our loan yet we continue to receive denial letters and not explanations. Our own attorney agrees that something is not right as well as other bankers I have spoken to. We DO NOT WANT TO LOOSE OUR HOME and are trying our best to ask for assistance. We have even sought 3rd party financing at a very high interest rate and have been prelimarily approved. Our question is how can they approve us and yet ( Loan Care ) won't even consider a option for us. We had the house appraised there is plenty of equity in the home yet we are still denied. Our credit is now ruined due to these delays which we have been trying to rebuild. We just need help to put this behind us and start fresh. Your assistance in this matter would be appreciated.
On XX/XX/XXXX I got an email from XXXX XXXX  saying there was a change in my report. So I went and looked and there was a hard inquire from synchrony bank for a paypal extra Mastercard and I didnt apply for any credit card. I called the bank to have them remove it and they wanted my ss number to do it so I didnt want to give it to them and they hong up on me.
I have requested that USAA work with me in order to consolidate two credit cards which they unilaterally closed back in 2013 ( @ ). USAA is charging double digit interest and has refused to consider any form of consolidation to allow me a lower rate, a lower monthly payment and/or any other consideration. 

Due to extended medical issues and USAA 's unwillingness to work with me PRIOR to getting behind, I now find myself 2x Months behind and unable to catch up. 

I personally spoke with USAA representatives who said, " Unfortunately XXXX XXXX, USAA is not interested in lowering your interest rate and we can not consolidate your cards. USAA would not consider rolling the credit card debt into a personal loan that would allow me to quickly address and retire the cards. 

NOW, due specifically to these two cards and USAA 's unwillingness to consolidate, lower interest rates or provide alternate avenue of repayment my FICO score has dropped from well over 700 to XXXX and I can not qualify for any form of reasonalbe consolidation.