WillisBack/dataset-financial-user-claim huggingface dataset:
Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX
I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.
I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. 

Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection
My student loans are held by Navient. I have had trouble with repayment since they became due. I have called Navient on numerous occasions, probably dozens of times, since my loans moved from XXXX XXXX to Navient, in an attempt to lower my payment or come up with a solution when I am not able to afford to make payments. The solution offered by Navient is always to put my loan on forbearance, and they usually suggest long forbearance periods, typically one year. 

Navient has failed over and over again to properly inform me of alternate repayment plans such as the income-based repayment plan, which I discovered by researching repayment plans online and found on XXXX. I have also found communications with Navient regarding repayment options to be anything but transparent, and have trouble understanding what my options are. Their verbal descriptions of repayment options over the phone have been confusing and misleading. I have even been told directly by Navient that placing my payments on an income-based repayment plan would increase my monthly payments and pressured to put it on a graduated repayment plan, which will result in unmanageable balloon payments as the due date draws closer. Again, when discussing these options, I am always pointed towards placing my loan in forbearance, which has resulted in interest being rolled back into the principal of my loans. My loans were due to begin repayment in XXXX, and now in XXXX, my balance is thousands of dollars higher than my original balance as a result of interest being rolled back into my principal. 

Although not directly related to Navient as my student loan servicer, it is notable that the first year when I took out loans ( in XXXX and at the age of XXXX ) my interest rate was at 2.5 %. In XXXX, my second year of study, and every year after, my interest rate was raised to 6.5 %, and I was not properly informed at the time by XXXX XXXX ( the servicer at the time ) or by my school of this increase, or of the consequences I would experience later as the result of a huge surge in my interest rate. This resulted in only one semester of loans at a 2.5 % interest rate, and the next 4 years of loans at 6.5 %.
Previously disputed credit inquiries numerous times with creditor and creditor reporting agency. Each agency continued to refer me to the other. Was previously advised that they would be removed and to date, they have not removed.
My credit report is showing a sync XXXX credit card which I do now own or have in my possession. This is not a card which I own or use and do not know why it is showing on my credit report.
XXXX   XXXX   XXXX   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.
Initially in XXXX XXXX i was notified of XXXX fraud applications submitted through SYN financial for Walmart and Lowes which resulted in XXXX inquiries being placed on my credit report. I received help to initiate a fraud claim with the creditor and was informed the applications had been declined and this info would be forwarded to all XXXX bureaus to have removed from my credit file. We allowed the 90 day time frame to do so and received no help or communication from Synchrony and in XXXX of XXXX we called to get an update on why they were still reporting on my credit file ; I was informed that no claim for fraud was ever submitted and the process would have to be resubmitted. Informed again by rep from Synchrony, once fraud claim initiated, the info would be fwd to the XXXX bureaus to have removed ; I began to work with an investigator from XXXX who helped me to also began disputing this info with XXXX and they informed us they could not remove the inquiries due to the creditor having to issue a claim to have removed. They stated until we received either confirmation in a letter to send over via fax or the creditor submitted dispute to remove because of fraud that the inquiries would stay as is. On XXXX/XXXX/XXXX we attempted to get another update on the claim that was submitted for fraud with SYN financial and was informed for a 3rd time the claim was never initiated and would have to be sent over again. No logical explanation was given for why the claim has n't gone through, if I have called to report twice and why also no letter can be sent out to confirm that i have been a victim and the applications have been rejected due to fraud. It has been almost a year and nothing has been done from Synchrony Financial or XXXX to assist me with getting my identity restored and I am left to figure this all out. The creditor is never helpful or can give any informative info about all the issues I have had and even after requesting to speak with a Supervisor ; I received the same unhelpful info that they will try to resubmit the claim again. I did my part by following up from the very beginning and continue to follow up with this creditor to give me the help i deserve and have received nothing but information that does n't make sense.
We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. 
Thank you very much. 
XXXX XXXX XXXXXXXXXXXX
I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.
I understand I have to pay my debt, but they are calling my step father ( whom i do not speak to ) harassing to take legal action against me. I told them to delete his phone number and deal directly with me and they agreed. I spoke to XXXX XXXX from XXXX in regards to case # XXXX. So she allegedly " deleted '' my dads information and said she would deal directly with me. I recently lost my debit card and was waiting to get a new card and they have been harassing me ever since and have now called my dad once again claiming to take legal action against me. They have an anonymous number calling me stating that they will come to my place of employment to have me sign a legal document and that if I am not present they will have my supervisor sign it. I HAVE EVERY SINGLE VOICEMAIL.. at this point i feel harassed and it indiscretion to share my financial information with my employer.
My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
This account was closed on XXXX/XXXX/11 with a XXXX balance and transfer to collection agency without my knowledge and for no specific reason.
I bought a car in  XXXX   XXXX  from  XXXX  at  XXXX   XXXX   XXXX ,   XXXX   and w as approved by Santander consumer USA. Inc. for financing. After I bought the car but before reg istering the car in  XXXX  county,   XXXX   I relocated to  XXXX   XXXX ,  XXXX . I was informed by  XXXX  Dept. motor vehicle. I could not register the car in  XXXX  without proof of permanent residence. The end date for the temporary tag issued by  XXXX  ended my wife was stopped by law enforcement. My wife called the dealership to explain we did not have a permanent address to register the car. The business office informed my wife the temporary tag would be good for as long as we did not have a permanent address just to provide our bill of sale to law enforcement to prove we owned the car and that it was insured. Bottom l ine is Santander Consumer USA INC. rescind ed the financing for the car without any prior notice to me. I did not become aware of their actions until a recovery agent called me on behalf of  XXXX  on  XXXX   XXXX ,  XXXX . I am unable to get alternate financing. The agreement I had with  Santander w as in good standing the company had accepted every payment from  XXXX   XXXX  to  XXXX   XXXX . At no time did either   XXXX   XXXX   no r Santander advise me that if I did not register this car with a motor vehicle department that they would rescind the financing. I believed that since I was making payments on time that everything was in orde r.
On XX/XX/XXXX, I sent XXXX Bitcoin Cash to Coinbase witht he intent to sell it into my USD wallet. Coinbase accepted my transaction, but when I went to sell the BCH moments later it would not allow me too, citing that it was disabling buys and sells. I signed up for updates to the problem, but never recieved any updates, and watched my account value drop by over XXXX dollars. I never found any updates by coinbase that buys and sells were working again, but just kept trying, and was successful on XX/XX/XXXX, late in the afternoon. On XX/XX/XXXX, I bought Litecoin on coinbase, and tried to sell 5 minutes later, recieveing the same disabled notification for buy 's and sells, citing volume.

Coinbase is systematically ripping people off, and should be held accountable for their inability to protect our funds and function when it benifits the users that trusted them. Currently, coinbase only seems to funtion or fail when it benifits them, and the trend is consistent.
I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone
Hi This is third time complaint against TRANSUNION credit bureau. I have asked over phone spoke to XXXX supervisor at TransUnion about my credit score. I asked them on what basis TransUnion reported my credit score and who was given authorization and XXXX said that no need any one permission he can get any one information they want no stops and he said I can spoke with PRESIDENT OR MAYOR who ever I want to talk with, TransUnion spoiling the United States culture, they dont care about customers and poor people .is this the mean we are printing on every $ note saying IN GOD WE TRUST. They are not really believe humans how they believe in God. They are telling they are the law. 
By the way I was cruisified by TransUnion credit bureau. I have XXXX XXXX XXXX credit card from California when I was student. This credit card I have used for my tuition cost and reloading credit card and utilized for my wife XXXX expenses. In XX/XX/XXXX I have lost my car with my entire wallet before my wife delivery I lost XXXX $  money in Travel card which was I kept in car. I dont have any claims I just got police report. There I got stuck with my credit card payment. I have told many times many people that I have extreme hardship but no one cares. Really I dont understand whats going on. Because of TransUnion I was denied credit cards and my car payments got touched roof, I cant even save XXXX XXXX every month because of TransUnion. Please help me to come out from TransUnion hands, they are really bad people for United States.
Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX
I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me
I got a card from Citibank called Double Cash Card which offered me a promotion of 0 % APR for balance transfer for the first 15 months. I got the card and used it to pay my balance with the IRS and Maryland taxes. Then, the Citibank said that those specific transactions were not considered balance transfer and they charged me interests from the very first month. I checked their information about this card and they don't specify that paying taxes balances are not considered balance transfers.

This is not the first time I pay my taxes with credit cards that offer 0 % APR on balance transfer. One of those cards I have used in the past to pay my taxes was also another card from the Citibank. All of those cards have always considered taxes payments as a balance transfer I don't understand why the Citibank didn't do it this time.

As I said, I also checked the information the Citibank provides about this " Double Cash Card '' and they don't specify that paying taxes balances are not considered balance transfer.
This company claimed to be Nationwide XXXX, and they have called my work and demanded rudely to speak to my boss after calling all around my organization. This is unacceptable. I have never received any sort of mail from them, and I am assuming they are some sort of zombie debt collection outfit/scammer. I do not deal with companies I have never heard of anyway, as I get numerous scam calls. I will not deal with them on the telephone, period. If they believe I owe them something, they need to contact me in writing, but calling my office is not tolerated. If they get me fired, then they can be assured they wo n't ever see a penny, even if by chance there is some legitimacy to this, which I doubt. The call came at approximately XXXX to my office secretary, and the rude caller claimed her name was XXXX XXXX with a number of XXXX. I believe the number XXXX is also associated with these people.
Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX
CFPB I 'M GOING TO NEED YOU TO STEP UP ON YOUR GAME AND INFORCE THIS MATTER.DO NOT DUPLICATE THIS DISPUTE NEW DISPUTE Good Morning Experian I would Like to take the time to Thank you for your investigation That you completed for me Regarding XXXX But However I totally disagree with your finding you stated in your results summary That I supplied you with the wrong account Number how is that possible? when I sent you about 25 disputed in the past each time you stated that the information was Verified and reporting correctly. This goes to show that you DO NOT VERIFY ANYTHING. This is why I have been asking you to send me the a copy of ANY original documentation ( consumer contract with my signature on it ) with out this information YOU DO NOT HAVE THE RIGHT TO REPORT ANYTHING ABOUT A CONSUMER! FCRA 609 ( A ) ( 1 ) ( A ) AND 611 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT. Back to SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELTE ALL INFORMATION WHICH CAN NOT BE VERIFIED.. 
RIGHT NOW YOU ARE IN FULL VIOLATION OF 616 & 617 BECAUSE YOU HAVE FAILED TO COMPLY! 
I also contacted XXXX On Saturday the account that you are reporting has no ties to my name. How did you verify it is my questions. Once again Experian I asked you to Please deleted the following accounts below.. 
XXXX card XXXX XXXX XXXX XXXX - Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account- XXXX XXXX XXXX XXXX XXXX Unverified account XXXX THANK YOU SO KINDLY XXXX
unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX. <P/>Person of interest is an employee.
On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.