WillisBack/dataset-financial-user-claim huggingface dataset:
BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. 

I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. 

Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX XXXX.
I took out a student loan for the amount of {$12000.00} XX/XX/XXXX to attend XXXX XXXX University in XXXX, GA. I was assured that my interest rate was 6 %, and reluctantly agreed. What I did not know at the time was that the interest rate was variable, deep within the many pages of fine print of the original contract. Since then my interest rate has ballooned to 18 % and now currently it has went back down to 13 %. I am not working, and although I have been trying hard to gain employment I have been successful. Back in XX/XX/XXXX, after graduating, I found myself in the same predicament, and XXXX XXXX lenders allowed me to defer my account for three months. Now XX/XX/XXXX, I am in a devastating financial state, and XXXX XXXX says according to the terms of my agreement, I can only forebear it once during the life of the loan. They are now threatening to take me to court, and will not work with me in terms of allowing a brief forbearance while I continue to aggressively attempt to secure employment. They did say I can possibly make a payment plan of {$150.00} a month, but only if I submit my bank statement, and the rep even noted that if they find that I spend money on XXXX or restaurants, they will not consider this plan, because I must " obviously have money ''. The truth is {$150.00} is not bad at all, but I just do n't have that money at this moment. Any advice on how to proceed will be greatly appreciated.
I am paying monthly amount of {$300.00} to debt collector https : //www.ldvlaw.com/ for the money I owe to XXXX XXXX cc, which I incurred when I was laid off/unemployed in 2009. I asked https : //www.ldvlaw.com/ to send or email me a monthly statement and they said they " do n't things like that ''. They also take a 10 % commission. I really would like to see what my balance is on regular basis. Please look into this matter and address this lack of accountability. <P/>XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX Nj XXXX
A check was cashed and remained good until after two weeks. After two weeks Chase bank said the check was no good and that I owed them the money for the check they cashed two weeks earlier. The bank froze my account and I have n't used it since but this is on my credit report.
the account is locked because I can not remember a phone number I had 3 years ago. I have tried MANY times to email them and they do NOT respond ( A common problem with them ).
There is a fraudulent account on my credit report from a XXXX XXXX XXXX XXXX and/or XXXX : XXXX XXXX XXXX   XXXX. I have previous disputed this fradulent report a few years back in which I waited more than 30 days but eventually it was removed. Well this scamming fraudulent collector XXXX sold their accounts to XXXX XXXX XXXX XXXX or vise versa and now today XX/XX/XXXX it has now re apearred. As i stated above i have previously went through the annoying drawn out process with both transunion and XXXX a couple years back but today i have yet again disputed this fraudulent so called debt with Transunion in which i was told they just report whatever the collectors say without following up or requiring proof from the creditors. I am the consumer who has to suffer when this happens until the problem is fixed. Everything nowadays requires credit of some sort. I was planning on getting a house which now i can no longer get because of this fraudulent report by transunion and XXXX. I want justice. Tbh im thinking about sueing. Years back when i disputed i was told to call the creditor because there was nothing they can do they just report. Yeah they do. Anything and everything and then try and refer you to their website and tell you to put a lock on your credit report in which they try to bill you. Its as if they allow fraudulent creditors to place fraudulent report on your credit report so that they can make money off of you. But i refuse. This is illegal! Everything i have ever owed i have paid in full if not more than what was borrowed in " XXXX XXXX XXXX XXXX '' Which was a government overpayment. In which i was charged taxes on but had to pay back. So i also want either a tax credit for the difference or my money back. Period. I have proof and would like that issue solved as well. The overpayment was XX/XX/XXXX- XX/XX/XXXX. But as i already stated there is a fraudulent report on my credit report that i keep having to dispute and is causing tons of emotional and financial damages. It should not be legal for a fraudulent creditor to sell fraudulent accounts to other creditors and still conflict more emotional and financial damages. I am fed up! Please do something about this before i pursue a lawsuit on any and every party involved in these matters.
Was a good standing customer for over 10 yrs with Citbank Mortgage enrolled into their Equity builder program, and refinace in XX/XX/XXXX, Tried to refinace in XX/XX/XXXX. 
My loan office lacked product knowledge : he could never give me a straight answer as to why the underwriting was delayed said he would have to talk to someone and get back which he never did, I always had to call him, when I did n't get a response I contacted his manager who never returned my call either ... .. 
No customer service skills were shown, nor did he pay attention to details. the application was denied without him even knowing until I called him to get a status up date, I made numerous calls to Citi. When I did get thru to him, he had lots of excuses as to why I had n't heard from him ... .email is down, phone 's system not working and out of office for personal time ... then someone else should have been working in his behalf. 
My other complaint is with the Equity builder program. I have an " Amortization '' sheet from XX/XX/XXXX that shows my balance should be at a certain amount by a specific year, when I checked my statement saw the figures from Citi monthly statement were not in agreement I called the company, faxed a copy of my Amortization to their research dept, and still have not heard back from them. 
I am totally disappointed in their customer service or lack of
I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).
I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

XXXX XXXX
XX/XX/XXXX I sent money to XXXX {$50000.00} ( to help my nephew buy a house ) from branch of Bank of America, XXXX XXXX XXXX XXXX, XXXX, OR XXXX My nephew 's contract for the purchase of the house ended on XX/XX/XXXX.The representative of the bank, XXXX assured me that the money will be received no late thanXX/XX/XXXX. XX/XX/XXXX, I flew on vacation.During the vacation, I constantly checked the account online, but the information was only : '' processing '' .After XXXX I tried several times to call my bank branch, but could not connect with XXXX , which made my transfer, to get explanation. 
I returned from vacation on XX/XX/XXXX and went to the bank. XXXX explained me that the XXXX XXXX XXXX XXXX  XXXX need : date of birth, place of birth, passport number, National identifier, profession, country of citizenship and economic purpose of payment of my nephew. I gave them everything and transfer was send onlyXX/XX/XXXX.

If they were for me to demand this information immediately after I made the money transfer, or a few days after I would not have lost {$2000.00} dollars which had to be paid to sellers for moving the transaction on XX/XX/XXXX.

By the way, when I checked my bank on vacation they sent me advertising of various banking products to my account, but there was no information they need to complete a transaction. 
I ; m a valuable customer for the bank.On my account there is always a balance of {$70000.00}. In addition, the bank processed a lot of my money for 12 years while I'm a customer of BA. 
Therefore, I demand compensation of {$2000.00} for this issue. 
XXXX XXXX
BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt. 

STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.

I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.

Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.
I called the company offered them {$300.00} which they denied to accept I than told them to verify the debt I want the original contract between both parties. All I received was an invoice which could be fraudulent someone using my name. I been informed the original company wrote it off which I assume took a tax break from it but now also want to collect for even more money!
My wages are currently being garnished regardless of my attempts to rehabilitate my loan. I first received notice of potential wage garnishment XXXX XXXX. I immediately contacted the number provided. I was sent to a voicemail and left my contact information. I also logged on to my XXXX account and made a payment. I never heard back. I was notified by my employer in XXXX XXXX that my wages were going to be garnished.
On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts
XXXX has triple charged me with interest within 5 days. There explanation for the finance charges being tripled is due to a deferment. I never requested these purchases to be placed on a deferred plan. I understand that I should have reviewed all pages of my statement each month. However ; XXXX failed to communicate that this was a deferred-plan upon my approval to purchase. Per the documents attached, you can identify the regular monthly finance charges and then a large finance charge of {$450.00}. I have closed the account and requested a credit of one of the finance charges, but they have refused to credit my account. This is a conspiracy and sneaky business on their part to rob individuals of their money.
Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request. 
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.
I have an American Express card however, they call my WORK phone constantly XXXX or XXXX times daily. This is a work phone that should not be used. Can we get this bill down to a reasonable payment plan? We are in good standing, however, Is it possible to get this down? Please stop contacting my work phone XXXX with collection phone calls. My supervisor is getting these calls to PLEASE STOP and mail information to me XXXX XXXX XXXX XXXX XXXX Pa XXXX. What can I do too pay this off? Also increase my credit limit?
Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.
Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.
In XXXX, I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with XXXX that was charged off on XX/XX/XXXX.
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX I called XXXX and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX. They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX. He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!
a mortgage co.named XXXX XXXX bought my mortgage from XXXX XXXX they sold it to s.l.s. specialized loan service s.l.s. started making my realestate tax payments without my knowledge they claimed I was not paying them so they reported to credit bureau my rating went from XXXX to XXXX so now I can't get a refinance I pay my homeowners ins s.l.s. sent a fax to travelers telling them I filed bankruptcy and my home of 33years was in foreclosure both lies I have a copy of the fax they sent to travelers travelers told my agent I have 20 days to prove otherwise I did that the last I've heard from them summing up my good credit of 50 years is shot I had a XXXX last XXXX. I can't get out from under s.l.s. can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minnXXXX XXXX XXXX