WillisBack/dataset-financial-user-claim huggingface dataset:
my debit card direct express debit card which is issued by the social security administration in order for me to receive my benefits each month on this debit card. on XXXX XXXX I filed a dispute over my wallet being stolen as well as my direct express debit card, i did call and cancel the card on XXXX XXXX, the individual whom had stolen my wallet was able to access my account of course by my wallet being stolen so was my social security card in it as well. the individual was able to call change my pin and access my funds on my debit card {$400.00} to be exact .this was a debit transaction from an atm machine. I called direct express on XXXX XXXX filed a claim dispute with the card company, i followed all requests for information pertaining to this dispute claim, I have been relentless in calling direct express level 2 fraud dept as to inquire about my pending fraud dispute. over and over I am getting conflicting comments as to the dispute. they know then they do n't know. a provisional credit is suppose to be credited to my account, I have yet to receive it ... direct express has made it difficult if not impossible to bring this dispute to a close. it seems as if they direct express debit mastercard issuer are systematically giving excuse after excuse, my dispute was opened on XXXX XXXX then closed due to lack of information received I followed their instructions sent faxes as of now it is " under investigation '' my dispute with direct express mastercard debit. ive asked the customer service time and time again for the individuals full name as to keep records of conversations their reply is 'I do n't have a last name ... I have been disconnected from the phone line on numerous occasions..i feel that direct express debit card services are doing their best to ignore me in hopes that I will go away ... just read the blogs online about the direct express debit card company contracted by the federal government for monthly benefits. 
I am getting no where I 'm at a great financial loss and I am frustrated as well as exhausted in communicating with the direct express customer service as well as LEVEL 2 dispute dept ... I feel that they are following direct protocol to put off deny deny in a nutshell I feel they will not credit my account I 'm sure they will find some reason for this. as I have talked to several other individuals in my position and they as well are receiving the same excuses treatment and denials as well ... sounds suspicious to me. this debit card company is well aware of my situation and as of now my last communication with direct express was on XXXX/XXXX/2016 I was told that my dispute is under investigation and that a provisional credit can APPEAR at anytime during the process. I feel direct express debit card services is an underhanded service and they are told as customer service reps to give excuses and deny ... im at a great loss because my XXXX benefits are received on my direct express debit card I have no money and I have had to make great sacrifices in my life not to mention the toll its has taken on my XXXX and health ... please help I 'm desperate.
XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the issue.
I am filing a formal complaint against, FedLoan Servicing, due to its continuing failure to process my application for the new Revised Pay as You Earn Plan ( REPAY ) in a timely and accurate manner. 
On XXXX XXXX, 2015, I successfully submitted my application to switch from a standard Income Based ( IB ) plan to the new REPAY plan via StudentLoans.gov website. Shortly thereafter, I received an email confirmation from FedLoan Servicing. However, after to calling customer service nearly XXXX different times over the past 87 days, FedLoan Servicing has still not processed my application for the REPAY plan. On XXXX XXXX, FedLoan Servicing sent me erroneous and incomplete repayment terms. After speaking with both a customer service associate and supervisor, I was told that FedLoan Servicing incorrectly processed my application and that it would need to re-process my application. The supervisor, XXXX-employee # XXXX, assured me that my application would be prioritized and quickly processed after I paid an amount of {$250.00}. Yet, after I successfully submitted this payment on XXXX XXXX, FedLoan Servicing has still not processed my application nor has it provided my with any additional information, instructions, or guidance.
Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and cant review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. Its bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i dont understand why and who is doing it.
There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. 

If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. 

It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.
My wife are I purchased a home in XXXX 2015 for $ XXXX with XXXX % down ( $ XXXX appraised value ; XXXX % LTV at closing ). We worked with our mortgage broker on various loan options because we needed to make significant structural repairs to the only full bathroom that had serious plumbing issues. We opted to put XXXX % down so we had cash for improvements ; following completion, we would be able to have PMI removed if our LTV was under XXXX % using a new appraisal. It was our understanding that after the improvements were complete, we would have the house reappraised and have PMI removed. The only requirements we were aware of was the XXXX % LTV requirement ; our mortgage documents only reference the Homeowner Protection Act. Now that we are attempting to have PMI removed, the requirements are different - we were misled and our rights have been violated. 

As of XXXX 2015, our ~ $ XXXX renovation is complete ; improvements include : added an additional master suite , high end, full bathroom with heated floors ; gutted and refinished the original full bathroom ; new plumbing/electrical ; new laundry room ; new master bedroom custom walk-in closet ; new custom linen closet. An appraisal should safely result in a LTV of between XXXX-XXXX % ; given recent market activity, an LTV under XXXX % might be more difficult to attain. 

I have been in communication with my mortgage broker and with loan servicing on 2 separate occasions. Each time I have received different answers for having PMI cancelled. The loan 'seasoning ' and LTV requirements have varied with each response ; none align with what I was told during the mortgage process. Most recently, on XX/XX/XXXX, a loan servicing representative documented PMI cancellation requirements of XXXX % LTV with no seasoning requirement and stated " these requirements were final ''. 

We have been misled and potentially lied to - regarding PMI - to close my loan. We were only told about the Homeowner Protection Act regulation. There was no mention of XXXX regulations that are more stringent and not disclosed, nor discussed. Furthermore, Flagstar representatives have provided us with inconsistent and incorrect information regarding PIM cancellation. Our rights as borrowers have been violated because false and misleading information prevented us from making an informed financial decision. 

To satisfactorily resolve this situation, either : A : Refinance our existing mortgage with an interest rate, less than, or equal our current rate. We received an offer to refinance from my mortgage broker, but the interest rate would be .001 % higher than our current rate ( close to $ 5k of additional interest over life of the loan ). Waive all associated fees for previously stated violations. 
B : Agree to remove PMI, based on a new appraised value, using an XXXX % LTV requirement. Waive all associated fees for previously stated violations. 
C : Propose another option that will reimburse us for current and future PMI costs. 

We have already sought legal advice. If resolution is not satisfactory, we will file complaints with Flagstar Bank 's regulatory agencies and the Attorney General, and seek further legal advice.
Diversified Consultants contact me by phone and mail debt i dont know, and reporting to credit bureaus i sent certified mail XX/XX/2018 asking them to validate debt proof of contract singiture they fail to do so. Need removed and closed from credit report thx
I submitted a complaint about LOANCARE on XXXX-18. Now I recently received another notice from them stating my mortgage payment is 3 months late, and now they are applying late charges ; also stating I may lose my home, and that this will effect my credit score. Never missed a mortgage payment in 5 years ; as long as I have owned my home. My Loan was transferred from XXXX XXXX XXXX to these people, and nothing but trouble. Never ever had a problem. I work, make payments on time. LOANCARE also increased my mortgage from $ XXXX/month to  over {$5000.00} a month. WHAT! I called them about 2 months ago, and they said they wanted me to send them a check for {$19000.00} re : escrow? WHAT? I'm wanting to file a class action lawsuit ... ..this is causing me sleepless nights, anxiety everyday. I have never ever had a problem like this in my XXXX years on this Earth. I pay taxes, work at a job that helps people in life. What is going on?? I see all these complaints about this company, and wondering how this has been allowed to continue for so long?? Will someone please help us law abiding citizens, and do something? PLEASE ... ..this is getting harder for me to take everyday. Thank you.
My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are due.
XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.
I have contacted Equifax, XXXX and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.
XXXX XXXX XXXX RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY 1 AND SOLFT ONLY
My car note is paid biweekly, and my last payment was due on last Friday XX/XX/XXXX. I called to notify Brite financial on their customer service number the same day and left a voice mail and that I would be making a payment on Friday XX/XX/XXXX. I have been receiving calls every day at home at work and my cell. This Morning the phone call came at XXXX XXXX. Advising that I was in jeopardy of being in default on my loan for being late ( 5 ) days? I advised the customer service representatives that I spoke with at least once a day. Today it was twice they called, but XXXX XXXX is not ethical or legal. I have a phone log that a call was received by them at this time. I have also attempted to make payment arrangement, to which I was denied because I am ( 6 ) days and they continued to threatened repossession of my vehicle.
I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/XXXX
My husband and I took out some loans, with XXXX XXXX that changed to Wachovia that changed to Wells Fargo. The XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.89 %, the XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.74 % and third on XXXX/XXXX/XXXX making XXXX payments fixed rate at 8.46 %. All small loan amounts. 
When the last payment was made on the XXXX loan, we got a letter in the mail that said we needed to pay additional fees before they would send us the title. I questioned the reason and they would not give me any documents or what the fees where other than that if I did not pay the money, they would foreclose on the property. So I paid the fee. 
The XXXX loan payment will be paid off this month and I received a letter in XXXX saying that our load was maturing, but I noticed that the amount owed was too high for XXXX more payments. So since XXXX I have been requesting why so high and what are the additional fees of approximately {$2000.00} that is due on the loan as we have a fixed rate and not a balloon payment nor late since the bank has debit every payment out of our checking account. 
Now the XXXX loan, I have been going to the bank and calling since I found out in XXXX that some how the bank made an error and allowed some XXXX in Arizona to changed our loan instead of a different loan as someone got our accounts mixed up. I have been trying to get it refinanced through them to get it paid off quicker and get the interest rate lower to fix what ever was done to the loan as the amount of what is owed has not gone down hardly at all in over 15 years. 
I finally pulled out all my paperwork and found out that Wells Fargo has been handling my loan not with the fixed rate which is in all my documents but as a DSI loan. Daily Simple Interest which is compounded differently. I had to XXXX DSI and talk to a lawyer to find out what that did to my loan, which explains why they were charging additional fees and why my XXXX loan was not going down. I have repeatedly requested a copy of all my payments and documents on file of all XXXX loans, and they only have information since XXXX, and only received this week the payments for the XXXX loan. It also shows that when they started documenting in XXXX they showed additional miscellaneous charges of up to {$1000.00} at a time. I call every week XXXX to XXXX times a week and am getting the run around, with no XXXX able to tell me why I owe additional fees or why the payments is not going down, but staying the same. I know that if they did this to me on XXXX loans that there are most likely a lot more in the same situation. The bottom line is this is not just fraud, but since the companies main office I have to deal with is in Arizona and no one in the local office can help me as they have to call Arizona, it should be considered a federal crime of fraud.
I got a loan for {$1200.00} and every other week they take XXXX..I made 6 payments total XXXX i called today and told me I owe more than 1000
This is a report regarding the recent Equifax security compromise. Equifax indicated my personal information was compromised, I found this information by using the site they set up : https : //www.equifaxsecurity2017.comXXXX I 've placed an initial 90 day fraud alert to help safeguard my credit history.
The CPA needs to force equifax to monitor every account and notify victims if any fraud occours. Credit fraud protection should be mandadory for every account, not an option for us to have deal with.
This security compromise occurred from XX/XX/XXXX until XX/XX/XXXX, and I only found out about it in XX/XX/XXXX. This is unethical.
It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.
Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.
I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH TRANS UNION I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY  DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XX/XX/XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXXOF XX/XX/XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XX/XX/XXXX OF XX/XX/XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XX/XX/XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XX/XX/XXXX OF XX/XX/XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XX/XX/XXXX OF XX/XX/XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XX/XX/XXXXOF XX/XX/XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XX/XX/XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XX/XX/XXXXOF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XX/XX/XXXX OF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY TRANS UNION CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XX/XX/XXXX. WE ARE IN THE MONTH OF XX/XX/XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT TRANS UNION TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH TRANS UNION AND UPDATE MY CREDIT REPORT ACCURATE.
Contacted Expirean to remove disputes off of accounts on credit report, they told me to contact the creditors. Did that then they told me to contact expirean. Then expirean told me only the creditors can remove the disputes. I have been trying to get this done for the last month so I can get a mortgage, but I keep getting an excuse they ca n't do it. I just want it removed ASAP.