WillisBack/dataset-financial-user-claim huggingface dataset:
Number comes up and restricted/unknown but they leave a message demanding that an debt for insufficient fund for my sons account with Wells Fargo. Then also called my son who is on my wireless account. My son unfortunately my son did call them back, they said they where calling form a Law firm and demanded that he pay $ 1400+. We immediately went to the bank to confirm that he didn't have an account that had that was either closed or opened that he owed money for. All accounts where closed and in good standing.. They continue to call. I called back today and after giving them the account that was left on VM but refused to give them my name, they hung up on me
I had trans union to investigate a account on my credit report twice and they refuse to investigate it properly under the fcra guildlines my third go around I talk to a XXXX XXXX XXXX supposedly a supervisor which refuse to also investigate it with a phone call to the crediter.
I received a letter from Citicards regarding Citi Payment Safeguard Classic an optional program for which you are charged a monthly fee to protect my card in the case of job loss, XXXX, or loss of life. This was the first time I had heard of this program, but the letter stated I was enrolled in the program. I called the number provided to cancel and inquire if charges had been made to my account. I talked to XXXX different people after being transferred multiple times. First I was told the charges began in XXXX, then another representative said it was since XXXX when I opened my account. This all was without my knowledge or agreeing to this program. I have been unemployed twice during this period and hospitalized. I could have used this benefit in each situation. After being assured I was canceled from this program I asked to be refunded the money and file a complaint. No person was available to talk to me, I was given a XXXX address and told it was going to take 30 days for my inquiry to be acknowledged. No phone number exists fro me to follow up on my claim as XXXX the customer representative told me they do not even have a number connected to the XXXX. Her concern was whether the phone calls had been handled correctly, not the issue I was trying to resolve.
XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX ,  XXXX , nor Equifax has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX ,  XXXX  and Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.
I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.
Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Bank of America has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe BOA {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to BOA. Why did their computer drop the reversal? Why am I charged for something I do not owe? BOA is ripping people off again!
I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.
This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. XX/XX/XXXX I purchased a XXXX. purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from XXXX basically saying the same thing. I tried to get the vehicle refinanced to avoid paying {$28000.00} for a {$16000.00} vehicle because the XXXX is considered a used vehicle and is difficult to refinance because the interest rate caused me to be underwater in my loan. Although I paid late due to situations beyond my control. From XX/XX/XXXX to XX/XX/XXXX Flagship received over {$7700.00} from me and I still owe {$17000.00}. I received a call from XXXX office XX/XX/XXXX regarding my amount due and interest rate and Flagship agreed to drop the interest rate to 8 % payment {$330.00} with the a 72 month term. When I informed Flagship that I filed chapter XXXX the representative told me that they will not go lower than 8 % I asked if she could submit a request for a lower interest rate. My lawyer XXXX Esq.receive a letter from Flagship agreeing to drop the interest to 4 % and reducing my payment by {$2.00} per month 72 months. The blue book value of this vehicle is {$8000.00} and if I surrender the vehicle that the only amount legally that Flagship could sell this vehicle, yet they want me to pay {$17000.00} for this vehicle. In my opinion this is not an ethical business practice similar to the pay day loan/cash advantage trap. Also Flagship Credit Acceptance LIED when they say they Flagship will not under no circumstances lower the interest rate and change the terms of the loan. A new interest rate a monthly payment was changed was offerred twice
Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them. I was told " sorry we don't dispute/delete hard inquires " these inquires are false and not mine. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of two many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones belowXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX RXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Applied to Citimortgage for loan modification on an existing mortgage. Filled out all necessary paperwork and provided all information as requested. 
I was first told that all the documents I sent were " lost '' - even though they previously confirmed in an email that they had received them and they were being reviewed! 
Did not hear back for weeks and was finally sent an email stating that " because of recent personnel changes, we 've assigned you a different homeowner support specialist. This transition will be seamless and will not cause any delays to the processing of your mortgage assistance application. " This has happened XXXX times and each time I receive the notice that I 've been assigned a " different homeowner support specialist '', by the time I hear back from my new " homeowner support specialist '', I am told that all or some of the information they have requested ( that I provided ) has to be resent due to the fact that it 's out of date. 
I spoke to each specialist and voiced my concern about this stonewalling tactic but the matter has not been resolved and I continue to get applications for assistance sent via XXXX. 
The bank has no intention of providing a loan modification and has no acted in good faith. 
And based on other similar complaints that I have read online, this is an intentional practice.
XXXX XXXX XXXX Has reported negative items on my credit files. This account should be under the XXXX XXXX XXXX XXXX XXXX hospital.
In   XXXX   XXXX   Chase approved my application for the  XXXX   XXXX  credit card and I added an authorized user. In   XXXX   XXXX    ,  Chase  charged me a total of {$520.00} annual fee, which was {$450.00} for me and {$75.00} for my authorized user. Please see attached  XXXX  statement. In   XXXX   XXXX    , I paid the annual fee. Please see attached  XXXX  statement. In   XXXX   XXXX    , Chase closed my credit card. In   XXXX   XXXX    , I asked Chase for a refund of the {$520.00} annual fee and Chase refused. Please see attached correspondence.
Navient really needs to be looked into. I was with XXXX until XXXX sold the loans to Navient. Never did XXXX charge me any late fees for being less than a month late. Plus, the amount Navient charges is exorbitant. Navient is a predatory lender. I would have never taken out any student loans, if I had known I would have to deal with such a company.
In XX/XX/XXXX I had to refinance with Wellss Fargo Mortgage company. At the time I had a mortgage specialist assigned to me. The terms were a hardship and this was duly expressed with the loan provider. On an income of XXXX/month, Wells Fargo expected payments of XXXX for 4 months and then back to my normal payment of {$680.00}. XX/XX/XXXXthru XX/XX/XXXXpayments were made, in XX/XX/XXXX my only vehicle broke down and needed repairs. I reached out to Wells Fargo, only to find they changed my home specialist. Then I started getting statements that didnt reflect my payments posted. My specialists were changed multiple times. Wells Fargo made calls prior to XXXX XXXX  on the weekends. They also made several calls on an unlisted number. I requested a payment itemization multiple times on a recorded line and never received one. The current home specialist wrote to me and promised an answer by XX/XX/XXXX. They sent another letter stating I would have an answer by XX/XX/XXXX. Both dates have come and gone without Wells Fargo doing their due diligence. I currently have an immediate medical issue that requires a loan of {$30000.00}. Even though I have approximately {$50000.00} of equity in my home, I am being denied the funds for necessary procedures due to the disparaging credit history reported by Wells Fargo. Three FDCPA violations, failure to respond in a timely manner and denial of necessary medical care has forced me to submit this complaint and possibly seek legal recourse against this corporation. Also, they sent me an escrow refund check ... ..If Im behind on payments then why wasnt that applied to my account?
I have owned my home for 20 years and am facing foreclosure due to the fact that the current holder of the mortgage, Shellpoint Mortgage Servicing, refuses to allow me the opportunity to negotiate or compromise or work towards any type of reasonable solution. They are denying me access to government and in house programs that I believe that I qualify for, they have refused to assign a dedicated contact to work with me, and when I try to call them to work towards resolution they say they are not responsible for what the past holders of this loan did wrong. I am essentially told that I unless I offer them one lump payment for the full reinstatement of the loan that they have no interest in speaking with me and that I need to talk to the foreclosure attorney. 

I am a self employed real estate developer and I make a decent living. In 2008 when the market crashed I, like millions of other Americans began struggling and was not able to keep up with my obligations. As a result, I fell into a foreclosure status and began trying to work things out with my lender at that time, XXXX. After trying to get XXXX to work with me I ended up negotiating a lump sum payment of {$25000.00} in order to postpone my sale date and work towards restructuring or modifying my loan. However, despite this large payment on my part, XXXX did not work with me towards this goal and instead my loan got transferred to XXXX. 

While at XXXX I tried once again to start the process towards restructuring or modifying my loan, but was unable to make any progress. Believe me, it was not for lack of effort. When I would finally get someone on the line from XXXX they would tell me that there " were no options, and that I needed to reinstate the loan or they were going to foreclose. '' I believe that XXXX was denying me access to government and in house programs that were set up to help people such as myself. 

Since the loan has gone to Shellpoint, I have run into the same issues. The agents are telling me there are no options other than full reinstatement and that my issues I had in the past with XXXX and XXXX are MY problem, not theirs. I believe that Shellpoint is denying me access to government and in house programs that should be made available to a struggling homeowner such as myself. I am employed and can afford a reasonable mortgage payment. I realize that I am delinquent on this loan, but I want to be presented with options OTHER than full reinstatement in one lump sum. I believe that Shellpoint is violating the government rules relating to their receipt of bailout money from the taxpayers and that I am entitled to a fair and transparent review of my current and correct financial information so that I can be considered for restructuring or modifying my loan. To date this has not occurred.
I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX
I called all three credit bureaus, Experian, XXXX, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses
Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.
Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XXXX was {$170.00}. I received an email on XXXX advising that my payment will increase to {$420.00} on XXXX/XXXX/XXXX if I do not reapply by XXXX I submitted a new application with new financial information ( pay stubs ) on XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XXXX but on XXXX I received an email stating my payment still had increased to {$420.00}. I called into Navient because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XXXX. But because of the forbearance my credit score dropped 48-58 points between XXXX and XXXX on XXXX XXXX. I called a Navient representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that Navient made.