WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.
On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.
I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.
My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send it.
Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over XXXX missed calls in 30 minutes.
On XXXX XXXX, 2016 I went to the Chase bank located at XXXX XXXX XXXX to make a withdrawal for {$3000.00}. While I was in line for a teller, a bank representative suggested I use one of the new ATM machines they had recently installed since they had higher withdrawal limits that the usual ATMS and it would be quicker than waiting for a teller. 

I went to the ATM and selected my withdrawal amount ( {$3000.00} ). My account was debited for {$3000.00} but the ATM only provided {$1600.00}. A banker from the branch named XXXX XXXX tried to help on the spot. While I was still at the branch he submitted an inquiry for the pending {$1400.00} and once he got off the phone, promised me that the money would be returned to my account early the next day. He suggested I make the withdrawal again since it would be replaced swiftly anyways but I did n't want to risk another {$1400.00} to the bank. 

Two weeks later on XXXX XXXX, I still had n't received the funds and my emails to XXXX were not answered. When I called the customer claims department they told me the inquiry had been closed without explanation. I opened another claim and received a letter on XXXX XXXX, 2016 saying that claim had been declined because it had been filed incorrectly. I opened another claim and received a letter on XXXX XXXX saying claim had been declined because they did n't find issues with the ATM. It has now been 2 months since J.P. Morgan 's ATM took {$1400.00} of my money and 3 different attempts at getting it resolved. 

This new branch ATM is faulty, took my money and Chase has not returned money. Chase claims department has performed a sub-standard job by making me file the same claim multiple times. Chase claims department should consider statements from their own branch banker- XXXX XXXX as evidence of what happened. I have exhausted all options to get this resolved within the bank so hope that you can help me get Chase return the {$1400.00} they have taken from me.
I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.
I have been trying to work with this company for the past year dealing with this issue. This is not my credit cad, I have never had any type of capital one credit card. Matter of fact, I just applied for a   XXXX   XXXX   card. They are falsely reporting {$860.00} owed to Midland Funding. I do not owe Midland funding anything. I have no contract with Midland Funding. I have asked Midland Funding several times to give me verification and validation of this debt, and all they keep sending is a bill for {$860.00} with payment arrangements.
I have tried to call MICROBILTFinance ResellerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
I was notified via credit monitoring of a collection account and called the company listed. I was informed of the original creditor and amount owed. I immediately told the agencies representative I felt this debt was not valid and requested they investigate. He verified my personal information and stated based on that matching they believed this debt to be valid. I stated again I felt it was invalid and request they investigate per FCRA regulations. Representative refused to submit any investigation and proceeded with his collection attempts and advised to me " this account will continue to be reported and your credit score will continue to drop every month this goes unpaid. '' The statute of limitation has also already expired. There is multiple violations that is company has done within one phone call.
the credit bureau reinserted XXXX back into my file after deleting it one week prior.
I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran four unauthorized credit inquires on my name as listed below : XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX  Inquiry XXXX XXXX 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening XXXX/2017. They still went ahead and ran the credit on XXXX/2017. Once is forgivable. But I went into the dealership Saturday on XXXX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only one inquiry was made on XXXX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,
My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you XXXX XXXX
I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.
There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by me.
PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.
i have repeatedly told these guys I have no intention of paying this timed barred debt yet they continue to contact me on a regular basis saying they know this debt is beyond the statute of limitations for collection but they still would like to make a payment arrangement with me, each time a different person calls claiming to have no knowledge of prior contacts. Each time they say they are the last step person before a lawsuit decision is made
I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you
The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.
Following is a transcript from a chat I had with a representative of Synchrony Bank regarding my online savings account. The Company publishes an attractive interest rate but fails to mention at the time of account opening that it will take 3-4 days to post deposits, which means they earn interest on the depositors money while blaming it on the " ACH process ''. 

Time Details XXXX XXXX XXXX XXXX XXXX " Why is it taking so long for my deposit to be recorded. An amount of {$53000.00} was deducted from my account at XXXX XXXX on Tuesday, XXXX XXXX. Where is my money and who is earning interest on it while I wait for it to post to my Synchrony account??? '' XXXX XXXX Agent ( XXXX XXXX ) : " Thank you for contacting Synchrony Bank XXXX My name is XXXX. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " I apologize for the delay. '' XXXX XXXX Agent ( XXXX XXXX ) : " Please allow me sometime while I check that for you. '' XXXX XXXX Agent ( XXXX XXXX ) : " ACH Transfer into or from the bank are 3-4 business days. '' XXXX XXXX XXXX XXXX XXXX " Every other online savings account I own takes no more than 1 day to post transfers. I guess your rate is nothing more than a scam. Bait and switch. You are earning interest on my money ILLEGALLY and will soon lose me as a customer! '' XXXX XXXX Agent ( XXXX XXXX ) : " I apologize that you feel so. However, our rates are quite competent in the market and have only seen an increase in the last one year. '' XXXX XXXX XXXX XXXX XXXX " Rates do n't matter if I lose 3 days of interest!!! '' XXXX XXXX Agent ( XXXX  XXXX XXXX : " The reason an ACH transfer takes 3-4 business days to complete is due to the fact that it has to go through the Automated Clearance House XXXX which is a standard procedure for a lot of other banks. '' XXXX XXXX XXXX XXXX XXXX " That 's nonsense. Not true at any of my other banks! '' XXXX XXXX Agent ( XXXX XXXX ) : " I completely understand that it can seem unfair loosing interest for the 3 days. However, it is our standard procedure. '' XXXX XXXX XXXX XXXX XXXX " Nothing more than bait and switch. I 'll spread the word!!! '' XXXX XXXX XXXX XXXX XXXX XXXX ) : " I will also go ahead and take a complaint regarding this. ''
XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, XXXX
Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine
I fell 2 months behind on my mortgage and requested a loan mod from the servicing company, XXXX XXXX XXXX. I was told I was not eligible. The rate was 6.75 % but the payment was interest-only, $ XXXX/month. Later that month I called to make a payment and it was refused, even though I would have been only 1 payment behind. I re-applied for a modification while they refused to accept payments for another 6 months. I appealed to every agency I could for help. Finally XX/XX/XXXX, I was told to make a downpayment of {$22000.00} to be eligible for a loan mod. Instead, I recieved a Forebearance agreement demanding another {$29000.00}, and higher payments of $ XXXX/month. Since then, all of my money has disappeared. The {$51000.00} that I paid was ADDED TO MY PRINCIPAL BALANCE, and the money just disappeared-as did the employee who had been the main contact. I borrowed more money to hire an attorney to help me who was absolutely WORTHLESS-didnt listen to or review anything, just sent out the same letters I had already sent. I have prof of the wire transfers where these crooks stole my money. Now they have sold my loan. WHY CANT YOU STOP THESE CRIMINALS?
On XX/XX/2018, this debt for {$400.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
I havent received my payroll deposit that should have been deposited at XXXX XXXX today Tuesday XX/XX/2018 due to another vendor of American Express which has been being dealt with since Friday morning. This is unacceptable.