WillisBack/dataset-financial-user-claim huggingface dataset:
I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do.
On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX
My niece XXXX had used credit cards and XXXX XXXX calls everyday 3 or more times a day.we have told them she is XXXX and we will work on these when we can, That she will be XXXX for 2 years.but they keep calling.them and kohl 's department store.they both call all the time.I had a payday place call me and tell me that I had taken out a loan XX/XX/XXXX and here it is XX/XX/XXXX and I was upset because I did not take out any loan how could I when I had no job.
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to Experian, XXXX  and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit
Company is trying to get money for an account that I paid in full 2 years ago. Money was collected through XXXX XXXX company.
I have submitted several police reports stating identity fraud. I have given Equifax a copy of my Colorado Drivers License. A copy of my Social Security Card and a copy of the police report for the identity theft. The two XXXX accounts were filed under Identity Fraud along with the police report. XXXX was listed as 6 times paying late when in fact this was incorrect. the two other Credit bureaus were listed as no missing or late payments. Only Equifax is showing 6 times. This needs to be fixed. There is a XXXX XXXX account which is not mine. My address has me living in Georgia. I sumitted proof that this Identity Fraud. I have never lived in Georgia. Equifax is not changing these errors. I am asking that they delete the errors. Equifax is the worst of the 3 credit reporting agencies, especially when it comes to fixing and deleting their errors.
They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.
On XX/XX/2018 my husband XXXX & I vacationed in the XXXX . Each morning the EURO rate was posted at the front desk. You then could calculate how much you would be spending each day. XXXX signed a few receipts ( MasterCard thru Citizens Bank ) with the " EURO exchange on the bottom of the receipt ''! Citizens Bank will not honor the exchange rate for the day. The MasterCard bill was astronomical. Why isn't the bank honoring what my husband signed his name to? They are known for no transaction fees or hidden fees. How did they arrive at that calculation for each day? 
PROBLEM : Exchange rate at hotel is different from Citizens Bank. XXXX also has a different rate for each day we were on vacation in Europe. 
3 different rates, please advise as we need assistance with this. XX/XX/18 telecom with XXXX supervisor XXXX for Bank. XX/XX/18 XXXX manager of credit dept. read from a policy on paper to my husband and the bank would not honor what XXXX signed for.
XXXX2017, I logged in to pay my Best Buy Visa Credit Card bill and noticed my account had been closed. I called customer service who transferred me to an account specialist. They informed me that because mail had been returned to them they had to close the account. I verified my address with them and asked them to reopen the account. They said their policy stated that they could not re-open my account and I would have to re-apply if I wanted to have a best buy card. I tried to escalate this matter to a supervisor and was told the same thing. My account has alway been in good standing, I managed my credit limit well and never had a late payment. There is no reason why Citibank would have a reason to keep this account closed.
Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, EXPERIAN AND XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
This house was sold in 2008 over 8 years ago. The house afterwards has had a myriad of renters. This company knows that this is not our debt yet for years has tried to collect from us. It is over 8 years ago and they still keep trying to get it from us because we have an address and they can threaten us with damage to our credit rating. XXXX removed this from our credit report because of a dispute and now this company again is trying again to find someone with a live pulse to extract monies.
I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION.
Unable to open an account. 

I purchased an American Express Blue Bird pre-pay debit card at XXXX, paid {$5.00} for the card, and loaded {$5.00} onto the card, with the intent of having the company send me a Permanent Card. The paperwork with the card says to register at XXXX I followed the directions and went to that site, entered all of my personal information, including my social security number. Each time I did this process, the page would respond slightly different, and sometimes would prompt me with verification questions relating to my vehicles, which looks like a normal verification process. 

I updated my web browser, thinking that maybe it needed a newer version of firefox. That did not improve anything. I tried several different combinations of the information. Sometimes it would prompt me to confirm a slight variation of my address, using N instead of north. 

No matter what I did, I always ended up at the Unable to Sign Up message. " Sorry, we are unable to approve you for an Account at this time.Thank you for your interest in Bluebird. '' There was no reason given. Further, there was no customer service number given to call to resolve the issue. I tried to call the number on the back of the card, and it stated that I MUST use the online process to activate and that customer service can not do this process. 

During this process, while it may be encrypted, I sent my social security number, name, and birth date, at least 20 times across the internet. Most companies will prompt the user with an error message, such as " please verify your " XXXX '' is the correct information, if something is a typographical error. At one point I had wondered if I typed the birth date year with XXXX digits or XXXX. One of the questions it asked me about a vehicle was something I was uncertain of. I had a XXXX Buick, but I was not sure if it was a " custom '' or not ... I presume they use a list of VIN numbers for that system, but manufacturers do n't always have the right VIN numbers attached to extensions of the car name. That could have caused confusion. I wonder where they get this from anyway, since I have opted out of the DMV in Wisconsin. 

Regardless, I have tried fruitlessly to have them send me a permanent card with my name on it that i can reload, and as far as I can find, there is no way to call them. 

So, I have spent {$5.00} for a worthless card, and have {$5.00} on a card ... .it cost me {$5.00} to put {$5.00} on a card, that I was supposed to be able to use as a reload product that I could use with XXXX , XXXX XXXX etc to buy stuff online. 

I have a XXXX card that works fine, though they have a software glitch that presumes that you bought a temporary card at the store, and then they were to send you a card. When you have them send you a temporary card in the mail, the system thinks you have been sent a permanent card, and it will not send you a permanent card, which is corrected by calling them and explaining the problem. 

But with Bluebird by American Express, I can not get a card that I can use as a re loadable debit card.
Ocwen rescinded a written short sale approval letter days before our scheduled close date by way of a service transfer which is a direct violation of Making Home Affordable Program Handbook of Servicers for Non-GSE Mortgages Paragraph XXXX. Ocwen did not transfer necessary data and documentation including the information of the authorized advisor who would be the acting listing broker. 
We are trying to close XXXX XXXX, 2015 and the buyer 's lender is ready to fund XXXX XXXX, 2015. However, without formal preliminary HUD approval from Ocwen the transaction can not close. The first has approved the close date of XXXX XXXX, 2015. If the first lender does not receive their money on XXXX XXXX, 2015 as they have approved. The first approval becomes null as " buyer/seller '' did not meet obligations of the written agreement. This is no fault of the buyer or seller, but the fault of Ocwen who serviced/investor released the loan during an active written short sale approval and not complying the rules and regulations of HAFA. 

Dates : XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Second lender, Ocwen, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) request for preliminary final HUD approval for a close date of XXXX/XXXX/15 per the instructions of the approval letter from both the first and second lender XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX approves preliminary final HUD to proceed with the closing XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) place second request to the second lender, Ocwen, for preliminary final HUD approval per the instructions of the approval letter XXXX XXXX, 2015 : o Broker calls Ocwen to follow up on the status of preliminary HUD approvalo Ocwen bounces the call to a company called XXXX XXXX XXXX who will now be the point of contacto Broker is not authorized to speak to XXXX XXXX XXXX as is told to email/fax in authorization to speak on the account and wait 24-48 hours for authorization to be receipted ino Broker calls CFPB for XXXX assistance ( speaks with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to step in to contact Ocwen. CFPB informs broker that the web is the only way to file a complaint as they can not do anything since broker did not have a " question. " It is with much sadness I write that all the above mentioned CFPB representatives are not trained to be preventative. The protocols that are in place only serve to " remedy '' situations once it becomes a tragedy. The CFPB needs to understand that preventative measures are more beneficial in the long run than trying to cover a larger wound with a band aid that could have been prevented all together. 

I desperately called the CFPB for assistance and went on deaf ears because all the CFPB could offer was an investigation that would take weeks. I had mere hours to remedy this catastrophic event that the CFPB would not recognize until it explodes on XXXX XXXX, 2015.
I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. 
The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 8. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
I have been in cantact with the hospital that at the time of the XXXX visit took the wrong policy # information. I informed the collection agency that the information had been taken by the billing dep of the hospital and where in the process submitting for payment. Collection agency only sent one notice and thast when i informed them of the above explained, they still proceeded to report to credit bureau.
GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. 
They do have my current address anyway as I 've received other things from GreenTree. 
I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!
There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had XXXX account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. 
I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.