WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.
Loan was transferred, Seterus Inc. would not honor the terms, denied being the servicer, found it after 8 months, costing me greatly in legal fees, then told me I had to pay over {$14000.00} in a lump sum. Somehow {$70000.00} has been added to my mortgage, going up from, {$120000.00} to {$190000.00} ... ..last statement was handwritten. I feel that My civil rights have been violated, a direct violation of the 8th amendment. I believe that punitive damages are in order
I'm not sure where to start with this. I was shocked when I reviewed my credit report and found late payment on this auto loan that was paid in full. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have sent several disputes to the Wells Fargo XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
My ( new ) mortgage servicing company ( VA insured loan ) has unilaterally raised my monthly mortgage payment by over {$200.00} ( an almost 20 % increase ), due to a " claimed '' shortage in my ESCROWS account.
We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with!
I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.
To whom it may concern, On XXXX of 2016 Wells Fargo Mortgage reported my monthly payment as being late. I called Wells Fargo the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from Wells Fargo as I always did, therefore I did make the payment on time due to their negligence on  sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with Wells Fargo there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then Wells Fargo should have that information on file, this individual admitted that Wells Fargo did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) Wells Fargo Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and Wells Fargo has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. Wells Fargo is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved.

Thank you.

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.
On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. 
I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers?
I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. 
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX   XXXX XXXX XXXX Mortgage Backed Notes. 
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes. 
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me. 
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing. 
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on. 
I have spoken to XXXX XXXX  and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me. 
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.
I opened an chase liquid account XXXX years ago and established good banking history up to date and I decided to open a chase premier plus checking on XXXX XXXX and I noticed XXXX days later I couldnt access my funds in my account due to my account being frozen for no apparent reason I called chase numerous times after the incident and was told that I could maintain the chase liquid and was transferred over to another dept and was told that the account couldnt be maintained so I called again and told me that my online access was restored the information with chase had been very inconsistent and untruthful but for no reason my premier plus account was closing for no reason so I talked to XXXX in the XXXX offices and promised that she will submit the information over the business back office to see if the decision can be overturned I explained to chase that I will want to maintain my relationship with my accounts and was told that the chase liquid will remain open and they closed my accounts
My identity was compromised and so I froze my credit report on all three bureaus. I am a XXXX and using a service to do XXXX background check and the XXXX system relies on Experian 's data. I temporarily unfroze my credit report to be able to use the XXXX XXXX  XXXX  system. When the system tries to validate my identity, at least half the questions do not relate to any recent transactions that I have done ( e.g. where did you buy pet insurance recently? ). As a result, I've been locked out the system. I've tried two separate days thinking the incident was just a fluke since I see nothing on my Experian credit report that is unknown to me ( including a review of all hard inquiries ). I tried calling Experian through XXXX and XXXX to inform them that something was wrong and have been unable to get anyone on the phone. For someone with compromised identity and a valid pin number issued by Experian, I'd like to be able to talk to a human being as I don't know if this was an internal system error ( e.g. my file being crossed with someone else 's ) or if someone had used my personal information for other purposes than the account recently discovered.
I placed a fraud alert on all XXXX credit reporting agencies due to the number of inquires seen on my credit reports. they sent me an email saying they had investigated and all inquires were correct, per the companies that posted the hard inquires, but they did not have adequate verification with my signature. i would like the hard inquires removed from my credit reports immediately, as they can not verify they were approved by me.
On XXXX XXXX I received a letter from XXXX XXXX XXXX stating that I am eligible for a credit by reviewing my credit history. I never had the intention to apply but their offer letter and documentation was attractive and misleading. I enrolled online and tried to accept this offer with the intention that I will receive a new Credit Card. They immediately evaluated my approval and denied to give me a credit card. They made a hard inquiry on my credit score and deteriorated my and my wife 's scores. Since we are very new to the US, we just moved from XXXX to US this summer, we are also new to the credit environment. We know that in US credit score matters and is very important. This is why we have not been applying to all scams and all promotional materials. But this one was really misleading and it did not mention that I am not eligible for a credit card. I want your support to fix this problem.
I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer
XXXX XXXX XXXX Bank, Maryland ... 

CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!
On XX/XX/2018 at XXXX XXXX I placed a Sell Order for .XXXX Ethereum for a total ( USD ) XXXX according to the Order Form. After having Placed the Order I received only ( USD ) XXXX. Please see the attached photographs as evidence and proof.
I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.
US Bank is my mortgage company. I live in XXXX XXXX Texas XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had a fence burned up in a wildfire XXXX XXXX and my XXXX company has sent me a check for {$20000.00} and it is made out to US Bank and me. US Bank had previously told me they would sign and release up to {$20000.00} so I could move on with the repair work to the fence. There was no damage to my home, the only damage was a burned down fence around my XXXX acres. I have a XXXX who lost over {$100000.00} of livestock ( drowned in the floods ) who needs the work, but I ca n't get him started because the insurance check is {$760.00} over {$20000.00}, US Bank is wanting a XXXX, and notarized forms including a release of lien commitment form, another signed contract form, and then will require inspections on the fence. This is in a XXXX XXXX that was decimated by XXXX, and there are not going to be inspectors for this. Also, this is a ranch hand that will be repairing the fence, not some white collar guy who fills out paperwork, not to mention finding a notary in a rural community. I called US Bank for the XXXX time because it had been over a week since my initial request for an exception and no one will approve the release of the funds. I tried to complain and asked to speak with someone higher, and if there was an XXXX XXXX XXXX, I was told she had never heard of that and that the issue was being escalated to corporate and it would take another week. I was told that US Bank reviews exceptions on Tuesdays & Thursdays only and that I would just have to wait for my answer. Not only was my request not approved yet after a full week, now I can not even call anyone to escalate a complaint. This seems like very poor service/treatment. Please help me understand why a person ( who is in a XXXX declared disaster area from the worst flood in Texas history ) with an XXXX FICO with under 80 % XXXX who has XXXX missed payments with over 30 years of mortgage payment history can not get a {$760.00} exception to policy approved?
Creditor -XXXX XXXX  Recent Balance - {$1300.00} Date opened -XX/XX/XXXXFirst Reported- XX/XX/XXXX Original Creditor - XXXX XXXX  The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
XXXX has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.
I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.
I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.
Left numerous messages for XXXX XXXX XXXX. This complaint also Includes ID XXXX, XXXX AS WELL. when consumers call XXXX we are prompted to leave a message. I have left 50 messages over the course of 2018 with no call backs. I have mailed sage stream to send me my report and they refuse to do so. They require photo ID when none of the other credit bureaus do not require it. I am not releasing sensitive information such as my photo ID to a company involved with scamming consumers and fraudulently utilizing credit reports. THE 3 AFOREMENTIONED companies COLLUDE to place negative items on report, regardless of 3 LEGITIMATE BUREAUS REMOVAL, and attempt to make u pay XXXX to remove them.please see XXXX  XXXX XXXX : XXXX : XXXX Contact addresses I sent requests to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, CA XXXX I faxed them at ( XXXX ) XXXX They need to send my report to my home address and remove fraudulent info and ABIDE BY FCRA REGULATIONS Please note the mounting complaints via XXXX at following address. The same issues I'm having, thousands of other consumers are suffering from. FTC and cfpb need to work in conjunction conjunction to better regulate XXXX XXXX XXXX, a company with mounting complaints issued via FTC, CFPB, XXXX