WillisBack/dataset-financial-user-claim huggingface dataset:
I have been attempting to apply for a modification for the past 2yrs with this company and to no avail. I have been sending documentation over and over again and get the same response " we did not receive it ''. I have confirmation that the documents were sent and still is asked to resend my financials along with other docs again. I can afford to keep my home and can not understand why this is so hard to resolve.
I did not appreciate Navient telling me that I was set up on a payment plan take my money and now tell me that the payment has been cancelled. I called 2 times to verify that this payment plan was still in place. XXXX Employee ID XXXX was useless. She told me the payment plan was cancelled and they would continue to take payments out of my account, but since it was not the total amount due, I would still be considered late, so I told her to cancel the payment plan. Now they are saying because your rep XXXX gave me the wrong information they might not put my payment plan back. I want a refund of my money especially if you are still gon na say my loan is past due. It was the worse decision I have ever made getting a loan with your company
I bought the car and then I sold the car. The car is not mines anymore. I sold it back in 2014 to a junk yard.
XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about  XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Transunion credit report. The amount is {$57.00} On XXXX XXXX, XXXX I sent a dispute letter to Transunion and followed their dispute process. On XXXX XXXX, XXXX, Transunion sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Transunion has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX falsely believes that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XXXX XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION
First letter was s ent  XXXX 2017 Thi s letter is regarding account #  XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you.    I received a letter back  on   XXXX  2017 stating that they  have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from.   I followed up with a second letter  on  XXXX 2017 re questing for proof. I then received a letter back from them   XXXX 2017 s aying they are not willing to corporate.   The company 's name and address Resurgent Capital Services,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ,  SC  XXXX  Thank you,  XXXX   XXXX
I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.
XXXX has been notified six times of the error regarding XXXX XXXX/XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX/XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX XXXX. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX XXXX. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, XXXX CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
XXXX : Former American Express Account # Ending in XXXX I had an American Express Card that I used regularly for almost XXXX years. I traveled extensively on my job. I had saved and accumulated many, many frequent flyer miles ( I ca n't remember exactly but it may have been between XXXX - XXXX miles if I remember correctly. I have the documentation somewhere but it may take me a lot of time to find it. My American Express Account was closed in XX/XX/2007. When I went through a period of no work assignments ( which was no fault of my own ) I got behind in paying the balance within the normal XXXX days that I usually paid my bill. However within a short period of time I did pay my American Express bill all back in full. I felt that I had earned all the frequent flyer miles but American Express took them all away and closed my account. I paid everything that I owed to American Express. I do not feel that American Express should not have taken my miles away since I had earned them. I am requesting that they restore my miles, even if they give me a XXXX credit line, as long as they give me my frequent flyer miles back. Also I am willing to open an American Express savings account if they will give me my frequent flyer miles back. 
XXXX attached documentation from American Express. I have other documentation ( old account statements ) but it may take more time to find them since I have moved and I have everything in bags and boxes. American Express does have its own records to look the documentation up. I remember having at least XXXX American Express Account numbers over the period of time that I had the account.
Despite having an agreement with Wells Fargo made two months ago to pay a credit line ( debt ) at Wells Fargo with $ 300 monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving harassing collection phone calls from XXXX every other day. 

I have paid {$300.00} on the agreement for two months now. This agreement was made with XXXX XXXX at Wells Fargo ( Loan Adjustment Supervisor ) but Wells Fargo ( XXXX from collections who reports to XXXX XXXX ) are harassing me now seeking payment in full despite our agreement. I have explained over and over again my financial situation ( offered documentation proving my inability to pay the debt off at once as I 'm a new XXXX in XXXX mother of XXXX kids under XXXX yo ). I just received another call from XXXX XXXX XXXX on XXXX XXXX ) at Wells Fargo and she transferred me to her Supervisor XXXX XXXX who told me that he was going to sue me for the balance of debt despite our agreement. He told me that he does n't care and wants it paid off. When I asked him why he was even calling me, he told me to, " Lose the attitude, XXXX! '' and then I reiterated our agreement, my financial situation, etc., he told me, " Then I will take my boss ' recommendation and sue you! '' and then he HUNG UP THE PHONE on me. This supervisor at Wells Fargo hung up the phone in the middle of me trying to respond to hearing I am going to be sued by Wells Fargo. I was left with XXXX fearing I will be sued by Wells Fargo. What will this mean for my family? My XXXX in XXXX? I began having XXXX. I am a high risk XXXX already and being harassed with phone calls ( first by XXXX who would call me and say that XXXX told her to follow up regarding our " agreement '' and I asked XXXX what she was referring to - since I 've been paying on said agreement for two months now - and she did n't know??? but was calling me anyways? ) This is an opportunity for legislation to be brought forth regarding behaviors such as Wells Fargo harassing a client who is currently paying their debt, who is not being evasive and ignoring their repeated phone calls, and is told to pay up or else?
I had Citi for approx. 5 years when in 2013 they cancelled my personal and business card for no reason. I applied for XXXX of their cards this week and was denied. I always paid the Citi cards every month and on time. I have excellent credit score. I also have NEVER been late in any bills in my entire life. I would like for someone to help me resolve this. I really would like to know why would Citi Card not want to give me credit.
Allied Collection Services  last reported to my credit on   XXXX   XXXX   XXXX    . I do not owe a balance to this collection service. This agency continuously reports to my credit, negatively affecting my credit reputation. I request the debt to be removed from my credit report because the balance is paid.
I had a medical bill from 2015 that I have a paid receipt for from the doctor This had just now this month shown on my credit report and not sure why I contact the collection agency and they say " the did not report this '' I offered to show them the credit report and they keep putting on on hold and saying they can not help This account as per the attached was paid directly to the doctor and never should have been reported. It always is reporting a balance that was paid over 2 years ago XXXX XXXX
When I opened my Chase Sapphire Card I was given a guide to benefits including Return Guarantee, that states if a merchant wont accept a return and it is still like-new/good working then Chase will accept the return and provide me a credit for the purchase amount. 

I attempted to use this benefit on XX/XX/18 for a pair of shoes that I bought that ultimately I decided I did not want to keep. I was outside the merchant 's return period, but inside the 90-day period for Chase 's protection. I sent in all requested documentation. 

A month passed and I received no update on my claim. I called the 3rd party benefit provider and was told that my claim was denied because the shoes were not like-new. I explained they had only been worn to try them on in my apartment, and that the merchant, as well as most shoe merchants, consider that acceptable practice and would accept the return. 

I contacted Chase customer support to follow-up. Chase told me that my claim had been APPROVED and that I should receive a check within 1-2 weeks. I confirmed several times with the claim number and card number, as this was confusing, but I was reassured that the claim was approved. After 2 weeks and no check, I contacted Chase again, and Chase told me this time that in fact my claim had been denied. 

I escalated my concern to Chase, and Chase " investigated '' only to come back and tell me that the claim was denied because the shoes were not like-new. I had already explained multiple times that they were in fact like-new as accepted by shoe merchants, and in good working order. 

Chase seems to make a habit out of doing absolutely everything it can to avoid honoring claims for the benefits that it advertises on its cards. Its deceptive to ensure me, the customer, that I should use my Chase card over my other credit and debit cards because of the benefits ... only then to avoid paying when I try to use them. 

It's also concerning to see Chase offer a benefit that has more stringent requirements for merchandise than the merchants who sell them. What does Chase plan to do with the returned merchandise? Return them to the merchant for a refund ( I already tried ).
I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.
In XXXX XXXX my loan was paid off due to the sale of the property and during closing I made an over payment in the amount of {$780.00} to Ditech. This over-payment was refunded to me by check, ~ XXXX dated XXXX XXXX XXXX. The check was subsequently lost in the mail so I contact Ditech in XXXX XXXX to have it re-issued. It is now XXXX XXXX and I still have not received the money owed me. I contacted Ditech in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX and XXXX XXXX to find out why I still have not received my money. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX all of whom assure me that a check had been re-issued and would be mailed out within the next 30 days. XXXX, who is apparently the supervisor gave me his personal number and confirm an electronic payment would be made on or about XXXX XXXX. This still has not happened and he is now not accepting my calls. I have left him numerous messages. No one from Ditech has made any attempt to contact me regarding this issue.
Over the past few months, XXXX XXXX has sent me letters telling me to pay them {$220.00}  because they 're claiming PayPal can not sue me for debt. I have asked PayPal for proof that I have any outstanding debt with them and they have stated no. I called XXXX and the moment I said I had called PayPal for proof they hung up.
This is a follow up to a memo dated Monday, XXXX XXXX XX/XX/XXXX provided below. 

As of today, XXXX XXXX XX/XX/XXXX @ XXXX XXXX I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since XXXX/XXXX/XXXX. My PAYMENT STATUS is showing as UNKNOWN. My BALANCE is BLANK ( although there is NEVER A BALANCE ) and my CREDIT LIMIT, AMOUNT PAST DUE and HIGH BALANCE is completely BLANK. My Credit Card statement shows Available credit of over {$50000.00} ( XXXX ) and it is not reflective in my credit report. As such it is NOT PROVIDING A FAIR AND ACCURATE ASSESSMENT OF MY CREDIT SCORE OR CREDIT WORTHINESS. I have contacted Citi over a half dozen times and they continue to tell me that they are reporting it. The Credit Bureau 's claim that the information is accurately reflected from what is being provided. All I am getting is the run around. 

XXXX Monday, XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX, XXXX XXXX DC. XXXX RE : Formal complaint for Citi & Credit Management Department To Whom It May Concern, Over the past few years I have been working to address inaccuracies within my Citi Credit Card account that have been going unreported on my credit report. The exact same information that has been provided multiple times previously and I have not been able get them to report the true and accurate information as indicated in the attachments. 

I have written multiple letters, certified correspondences and have called no less than a dozen times and ca n't get to anyone who can actually help me. I have requested the service reps to document the notes on the account. Even after XXXX DECADES as a customer, I can not seem to even get someone on the phone to speak to. This is IMPORTANT to report as it is having a NEGATIVE impact on my credit currently and if continues to go unreported it has the potential to cost me thousands if not hundreds of thousands in interest costs over the my remaining working years. 

Again, Citi shows an " Open Account " however, it still IS NOT reporting accurately as it still fails to show my 24-month history, my credit balance, by available credit limits or my payments being on time. All of which have a significant impact on credit scoring. 

Please again consider this letter another formal request for this issue to be investigated immediately and inaccurate information is addressed and modified reflective for the life of the account, so that my true credit history, and subsequent score, is reflected with the XXXX major national credit bureaus. 

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I have a credit card with Sears. I have had it for 3 or 4 years. I was checking my credit and found that the card had been or the account had been closed 30 days ago. 
I called Sears and spoke with them. They said I closed the account, and I told them that I had not. That I bought my tires from them, my garage door opener from them and appliances from them, why would I suddenly close my account. 
It made a major hit on my credit report. I went from XXXX and XXXX to XXXX and XXXX. 
They only thing they offered to me was for me to open up a new account with them. I did that today. But the stigma and the loss of a good credit rating is laid on my door step. I need your help.
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX   Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
In XX/XX/XXXX, from an offer to provide high speed internet access, I made arrangements with XXXX XXXX XXXX to replace my Spectrum service with less-expensive and higher speed service. The XXXX XXXX XXXX technician installed the service, but warned me that I would likely not be satisfied with the available speed. The available speed in my neighborhood was only 3 mgs as the fiber connectivity had not reached my area. My previous speed from Spectrum was XXXX mgs. He told me that I had to call XXXX XXXX XXXX to cancel the service. I did so and XXXX XXXX XXXX agreed to the cancellation. They told me that I would see the net zero bill in XX/XX/XXXXXXXX the billing balance due that month had been reduced but was not at zero as promised. XX/XX/XXXX's bill was further reduced but still not at zero. Each month I spoke to XXXX XXXX XXXX and was told it was just an internal process to back off the charges and for me not be concerned. XXXX weeks ago, I received a collection letter from XXXX XXXX XXXX for the residual amount of {$110.00}. Since then I have received two collection phone calls informing me that the uncollected debt was going on my credit report. I spoke to XXXX XXXX XXXX again on XX/XX/XXXX and they told me that they would correct the issue, but it would take time to negotiate service costs with the collection agency. To their admission, I do not owe the debt, but because of their delay in processing, it has cycled through to the point of collection. They keep telling me the right message but the never follow through to closure. XXXX XXXX XXXX 's incompetence has now turned into harassment.
I served the country for 8 years XXXX During my XXXX tour I had an apartment at XXXX XXXX before I started my tour. My former wife and I had many problems with her spending and destroying my credit. Well before my tour we separated and I informed my apartment complex I will no longer be their and would like to take myself off the lease. While touring they sent information that I signed confirming I would not be held accountable. After my ex wife left the apartment while still touring, they reported an unpaid balance and extreme interior damage to the place. I should not be held accountable for her lack of professionalism, unpaid balance or damages.
This alleged account is reporting on my credit report ( s ). I am unaware of this account, and I did not receive any or telephone contact, in regards to this account. I have been residing at my current address since 2014, and I do not recall any letters being mailed.
Equifax is reporting a recent address change XXXX XXXX XXXX, XXXX, GA. I never lived in Georgia and now I 'm worried that someone may be using my personal information.
I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.
I have a problem I need help with please.

RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use. 

I do not have a lot of money your help would be much appreciated. 

Can you please ask them to stop being a XXXX? 

Thanks! 
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company? 

The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/XXXX
I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to  TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up  automatic withdrawals with  TSI  and I had received monthly invoices giving me notice of adjusted balance. This month  (   XXXX ,  2017  ) I looked at my credit report and it noted that specific debt had been closed out  ( a total of ~  {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?