WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get a income driven repayment plan thru Navient for over a year now and I have sent in all the paperwork and Prof of income multiple times to a fax number given to me by a navient service representative. And they have misplaced it more than once. They keep putting me on a deferment each time I call to check the status of my application which gathers interest and yet they keep telling me it has n't been processed. But when I called today XX/XX/2017 they told me it was denied in XXXX because they miss placed my income papers and I have been in contact more than once since XXXX and was never told it was denied and each time I get put on a deference. No emails calls or letter were received telling me it was denied. Just call harassing me about my payment being late. Now they are asking for more than {$400.00} a month for payments when they misplaced my paper work and ignored all of my emails.
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines.

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form XXXX  ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from Shellpoint Mortgage servicing.

The response provided by Shellpoint Mortgage Servicing is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
I have disputed XXXX XXXX XXXX with Experian numerous times. The account is charged off and closed and should be deleted in XX/XX/XXXX, however, Experian is the only credit reporting agency who refuses to delete it stating it is scheduled to remain on file until XX/XX/XXXX. My first delinquency was in XX/XX/XXXX, therefore, the account should be removed within 7 years.  XXXX and XXXX have confirmed they will remove it in XX/XX/XXXX. Why is Experian discriminating against me? 

Also, Experian, is reporting an inaccurate account from XXXX University that does not belong to me for {$2700.00}. Several months ago they deleted the account, but now have allowed another collection account to report it using a different account number. This is ILLEGAL. 

Also, Experian is not reporting all of payments accurately for the following accounts : 1.  XXXX - was not 90 days late in XX/XX/XXXX, Experian did not report my payment for XX/XX/XXXX as  well. Other credit reporting agencies are reporting accurately. 

XXXX - did not report my payment for XX/XX/XXXX XXXX XXXX - paid account, balance of {$490.00}. Please delete.
This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).
My credit reports were affected by the XXXX hack from earlier this year ( XXXX ). I have two hard inquiries on my XXXX and Experian reports that I did not initiate nor authorize. I have called both companies for removal to no avail. I have made numerous calls and have reported Experian and XXXX to CFPB only to get the continued run around.There are two XXXX XXXX inquiries ( dates filed ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) on both reports. I have never applied for any XXXX XXXX XXXX XXXX. Furthermore, I actively monitor my credit report and it makes no sense for me to apply for a credit card from the same company within two months ( XXXX to XXXX ) with no positive change in my credit report during that period. These hard inquiries need to be removed immediately from my credit report as they are affecting my overall score and worthiness of my credit. I have included my identification information as well as a copy of my latest Experian report ( outlining the hard inquiries in yellow highlighter ) so that Experian can stop with the games and run-around and remove the negative and inaccurate information from my report immediately.
The bank I trusted with my money : Santander. On or around XXXX XXXX XXXX I had noticed strange unauthorized activity withdrawing money from my checking account. My card was charged {$92.00} plus an international charge of {$3.00} on XXXX/XXXX/XXXX. Another charge in the same amount was posted to my account only 14 days later. On XXXX/XXXX/XXXX my account was charged again in the amount of {$92.00} with an international charge of {$3.00}. I spoke with a branch employee reguarding the issue and we then set up a complaint and attempt to retrieve money back. My card was replaced at that time. Within about three business days one of the charges had been refunded. The amount refunded was {$92.00} plus the international charge of {$3.00} was refunded to my account on XXXX/XXXX/XXXX. I was still waiting for the remainder of the refund. The amount I was waiting on was {$92.00} plus {$3.00} international charge. On XXXX XXXX XXXX my account was over refunded two refunds in the amount of XXXX and an international charge of {$5.00}. My expected refund was only in the amount of {$96.00} total. The over payment was not my fault and was in the amount of {$96.00} plus {$5.00}. On XXXX XXXX XXXX I had noticed the overpayment was taken out of my account in the amount of {$92.00} and {$3.00} the international charge. Then on XXXX XXXX my card and account was debuted yet another {$92.00} with another {$3.00} international charge. It also caused my account to drop to a negative account balance. I have sat down with several bank representatives who have seen the wrongful amounts withdrawn from my account and they have told me they could not help me. Over the course of the rest of XXXX I refused to put money in my own account for fear they would allow wrongful withdrawals again. I asked them to close out the account and it had since aquired addition overdraft fees each being {$35.00}. And then once more a sustained overdraft fee of {$35.00}. A total of {$170.00} in overdraft fees. Im hoping that they can adjust the amount that I owe so I can once again open a bank account as I have not been able to because it has been reported against me. This situation is not fair to me and my time. Its been very stressful for me and as a mother of XXXX children I need a bank account to keep my money safe. I do refuse to pay money that I do not owe in the process of this reselution.
Capital One closed my account ending in XXXX recently, there is currently a balance of XXXX. There are also two debit card refunds in the amounts of XXXX from XXXX, XXXX from XXXX ( XXXX ) which are due to post to the account within a few days. These are for returned items. Since the account is closed, I will need a check for these amounts sent ASAP. I 've attempted to reach customer service reps, however, hold times are extremely long and once I reach a rep, the call is then sent to their intake dept in which case a voicemail is left and not returned for several days. Needless to say, I am not able to resolve this issue directly as customer service no longer has access to account and intake dept takes several days to reach back
My home have a sale date XX/XX/XXXX. Please help me to keep my home. I lost my job XX/XX/XXXX due to XXXX XXXX, I 'm XXXX years old. I am now working again since XX/XX/XXXX. Keep Your Home California has agreed to pay the back payments, but Wells Fargo Bank is refusing to accept the funds. I make enough money to pay my mortgage from now on. I ca n't get an answer from Wells Fargo on why they are refusing help from Keep Your Home California. I am still waiting on a call back. Please contact and request an answer for me. Keep Your Home California counselors says they will pay back payments owed up to {$25000.00} but Wells Fargo would have to accept. Thank You very much.
Earlier this year, I received notification from my mortgage company stating that their records indicate I have not paid my property taxes. Which I do not escrow these funds, I actually pay them directly to my city and county. At this time, I contacted them and told them, yes I did pay my taxes and I actually sent them copies of the canceled checks and even the county website showing that my taxes were paid before they were due. A few months later, I received another notification and I sent them the information again, and even called them. At this time the person I spoke with we discussed the map id # 's and it appears they had a house XXXX-doors down from me listed as my property. I asked him how this happened. The representative told me that Nationstar used a 3rd party provider to verify if property taxes were paid. I advised the person at that time, that I would send the proof in again to show that My taxes were paid. The property that owes taxes was XXXX XXXX XXXX XXXX, which is owned by my ex spouse. I even advised them that this house has NOTHING to do with me, I have never had any association with that property. They assured me they would get this resolved. On XXXX XXXX I went online to pay my mortgage and they have now added $ XXXX+ per month for escrow on my account. By this time, I was very unhappy I called them again and spoke with XXXX XXXX and explained everything to him. He told me to allow him 3- days to review. After 5-days I called him back and he advised me that they had the wrong map # associated with my house and that taxes were due. I then ask for him to call the tax office so we could discuss. We then called XXXX County Tax office and spoke with XXXX, she verified that I paid my taxes, and that I did NOT owe any taxes. I then explained to her that my ex-spouse had owed taxes on XXXX XXXX XXXX XXXX and they were linking those taxes to my property. She then advised me that in XX/XX/XXXX NationStar had paid the past taxes on his property. At that time XXXX from Nationstar asked XXXX to send him this in writing, showing that my property was current on taxes and has been. After XXXX hung up, XXXX then asked if he could have 3-more days to review this and see what recommendations he could make since they paid out {$1200.00} on an account that was not mine. He then stated they could add this to my account. I advised him absolutely not, these are not my taxes and how could a mortgage company want me to pay taxes that are not mine and that they paid out in error because of lack of competence in their own organization. Now after this ordeal I do not trust this company to not add these expenses that are not mine to my account. I have no faith in their integrity or their business practices. I am to the point of contacting an attorney to ensure that my account is handled properly.
SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks
Naivent is my provider. I am trying to lower payment. I have no job and no income.
I became total and permanently XXXX after graduating from college. Now, I have no source of income, other then what I get from XXXX. I attempted to have my loans discharged by said loan company and was denied. I am unable to make payments on my loans because I am unable to work. The only sensible course of action would be a discharge of said loans. It is unreasonable to penalize a person who can not make payments. If my loans are not discharged I will face default and eventual debt collection agencies. Therefore, I challenge the legitimacy of a company that employs such methods.
I have been paying on my school loan consistently since XXXX. It originally was about XXXX with the first dispursment beginning in XXXX and today I still owe XXXX. It says my loans will not be paid off til XXXX if I pay {$220.00} a month. I do n't understand! Most of my payments were {$200.00} or more and some times the entire amount would go toward interest or fees. In XXXX, they forced my mom, sinced she cosigned, to pay {$510.00} a month when she was unable because she was going through treatment for a sickness. After I had already been paying {$220.00} a month. After 2 months I was able to get her out of that. Navient has also drafted money from my account before and it did not go toward my account. It I went back and forth with them for about 6 months and still never received my money back and it did not go toward my account. They said they did not take any payment so I sent them my bank statement 3 times and every time they said they never received it. I was never reimbursed. My account online does not match to what they say when I call. They have pushed me to forbearances for just one month behind and now I have none left for a time that I really need it. My mom cosigned the loans. In XXXX, she was trying to buy a house. Upon looking at her credit, Navient was on her credit for {$1000.00}. She paid it just to get it off her credit. Where did that money go? There are no transactions on my account anywhere. When I try to call for anything they are very rude and nasty especially when they are in the wrong they get defensive. I feel like my money is being taken and I am being taken advantage of because I have no other options available.
HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX
I purchased a high school ring for my daughter from XXXX XXXX in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and XXXX  could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to XXXX XXXX? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?
Over the past 4 months I have made several disputes with Trans Union/XXXX/XXXX regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.
XXXX XXXX, 2016 On XXXX XXXX, 2016 I met with XXXX XXXX, XXXX, XXXX XXXX XXXX., at US Bank to find out how US Bank could help me find start-up XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needless-to-say, I found XXXX to be very unconcerned about my inquiries, but before I ever had a meeting with XXXX, I had to constantly bug the branch manager and tellers to have him get in touch with me. Finally, on XXXX XXXX, 2016 I received a phone call from XXXX who told me he was at the XXXX, OH branch office, but was about to leave as he had other engagements to attend. I told him I lived right across the road from where he was at and could be there in XXXX minutes and to wait for me. 

I was told by the branch manager which office XXXX was in and as I entered he said " I hear you have been trying to get in touch with me ''. First of all I expected more from a loan specialist. He did not ask me for any documentation, ( business plan, incorporation documentation, EIN, etc. ), nothing. He just asked me what I wanted. I told him I need start-up capital for my business and what and how exactly do I achieve this. He asked me if I was given the US Bank XXXX Business Banking '' brochure that lists their features and benefits and I told him no. So he got up out of his chair and secured me XXXX and told me to read this so I would know what US Bank offered business owners. 

I thanked him, but proceeded with my questions about how my credit score affected my request for a business loan and what does US Bank look for when a request is made because I had been turned down for a US Bank card line-of-credit. I also informed XXXX that I was working with a credit repair company to get my credit scores fixed, but I needed to know the parameters US Bank used to approve or deny credit. XXXX said that US Bank did not deny loans based on the credit score, but used various factors to do so. Again, I asked what the factors are. XXXX 's answers became more ambiguous. He began to draw circles on the desk with his hands saying that the factors could be a number of things but stating nothing specifically only that the FICO credit score was not the main issue. 

Afterwards, I asked XXXX who at the bank makes the decision and he told me the Underwriters at US Bank makes the decisions. I asked him if I could speak with them to find out what factors decided the definitive yes or no to a business loan, and he said no. 

So at that point I saw that I was not going to get any answers that could help me with my business venture as XXXX 's phone alarm kept prompting him to wrap it up and I could see his face getting red ; his hands sweaty and his demeanor very short. If he is the voice for small business support, then I feel US Bank 's decisions on who or who not they are going to help is very bias because it seems there are no parameters in place for making a fair and judicial decision, and this annoys me greatly.
After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to them.