WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2016 I purchased a XXXX from XXXX that used to be on display and was marked down. I purchased it from them for around {$600.00}. After about a month I returned the item to the store and received a return receipt. In XXXX XXXX I was reviewing my account when I noticed that the charge for the XXXX had yet to be credited to my account. I contacted Citi Retail Services and Disputed the Charge. On XXXX XXXX I received a letter from them ( Enclosed ) stating they were going to award me credit for the charge in the amount of {$570.00}, and in the mail the week after I received the award letter I received an updated account statement showing the credit had been removed. My account balance at the time was somewhere around {$1400.00}. After waiting for 2 weeks my account balance had not changed. I contacted Customer Service and spoke with an associate. They stated they had already credited me the balance stated in the letter, but could not remove it from my current balance because they had already updated the statement from XXXX. This confused me mainly because when someone is given credit it typically means they have the amount deducted from their accounts, not just have a previous statement edited.
This company Credit Adjustments was hired by The Department of Education to collect a debt that was discharged in a Bankruptcy due to medical reasons. It was filed in XX/XX/2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. The Depart of Ed is intercepting my tax returns, even though they have collected over {$XXXX}, XXXX through wage garnishment. 
When I call Credit Adjustment, they refer me to the Depart of Ed,  and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
On  XXXX   XXXX ,  2017  and the past week we have been receiving a voicemail messa ge from Arnold Scott Harris PC from the phone numb  er (   XXXX   )   XXXX . The voicemail message indicates that the firm is attempting to collect a debt. Our family has never lived or travel to  XXXX , Illinois. According to the website  XXXX  this is a scam.
Dear sir My loan applied in XXXX XXXX - XXXX ( XX/XX/XXXX ) My TWO WHEELER loan reference NO ; XXXX I closed my loan account last month XX/XX/XXXX ( principal amount also paid in online ) We need NOC
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.
Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.
Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.
After paying {$17000.00} of a {$30000.00} student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for {$40000.00} on a {$30000.00} debt in which I had already paid {$17000.00}. I filed a complaint with the Consumer Financial Protection Bureau ( case # XXXX ). The collections agency claimed they would take {$16000.00} and directed me to speak with their attorney. The attorney hired by the collections agency who bought the debt from a company that was NOT the issuer of the loan said I have to fill out a full financial disclosure before they can consider or discuss a settlement. I sent them a disclosure. I did NOT include the name of my bank or the company I work for as they requested. The attorney said I HAVE TO disclose the name of my bank and employer or they CAN NOT consider any settlement due to incomplete information. With ALL the numbers disclosed and the attorney NOT requesting proof of numbers but names of institutions, this does NOT seem Legitimate. This is an attorney ( XXXX XXXX ) trying to bully an individual for easy garnishment information. I have not obtain council so far because it would reduce the amount of money I had to settle the debt with. I have limited resources, deportation was ordered to my husband, I may have to leave the country soon ( proof of that WAS sent to the attorney ) and I am looking of a settlement that I actually have the money to pay at once to settle the matter. Offering the entire balance of my checking account, {$8500.00} ( statement balance ) they are bullying me and refusing to talk. I have provided ample information and disclosures.
I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.
I used the money gram money transfer to send money to an account directly on the XXXX/XXXX/2015 but my receiver did not get the funds.I got in touch with money gram to find out why the money was not transferred but they insist that from their records the transaction was successful which of course is not the case since no funds have been delivered in the account I sent money to.I requested for the proof of the transaction and they promised to send it to via email within the week but they didn't.I called again and they are still telling me the same thing to wait another week with no grantees.I got the impression that they did n't want to be bothered.
US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.
To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.
Equifax failed to properly investigate my account with XXXX and has reported it incorrectly. Account was RE-AGED. Equifax is reporting I have late mortgage payments in XXXX of XXXX and the account was CLOSED in XXXX. See attached proof. In addition this account is actually older and should not be reporting at all. Equifax failed to properly investigate my earlier dispute. 

We requested an investigation and XXXX failed to provide us information in the allotted time frame as set forth by XXXX They are reporting inaccurate information on Equifax credit report. XXXX no longer report this account as the information was not accurate and any negative information is over 7 years. Our mortgage with XXXX was paid in full in XXXX. We do not recognize the account number they are reporting on. We also do not recognize the balance as the amount was different when we sold the home ( see settlement statement attached ). 

INVESTIGATION REQUEST : On XXXX XXXX, XXXX because we needed clarification we certified a letter to XXXX through usps and also faxed a letter requesting an investigation and requesting proof. ( see proof of delivery of usps and fax ) XXXX did not respond to our investigation request. The time has passed for XXXX to respond. 

By failing to respond to our investigation request within the allotted time-frame as is set forth by XXXX, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line. 

We were also part of the Independent Foreclosure Review and received a settlement from XXXX. ( see attached ) They were negligent back then and they are negligent now.
XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.
Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. 

In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. 

In XXXX, we received a default notice from XXXX, a collector for ACS.  This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. 

Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. 

I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. 

Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. 

Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. 

We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. 

This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.
During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, XXXX FOR MYSELF ( XXXX ) AND TRANSUNION FOR MY WIFE ( XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, TRANSUNION CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT ONE BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.
I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way
I am a XXXX with private loans. Navient has been calling me to request that I start repayment, since my grace period of 4 years is over. I have spoken to them several times and have described my situation as follows : I am still in school. My program does not allow me to find work besides the assistantships that they require me to fulfill ( this is standard in the field in which I am pursuing my degree ). As a result, I am unable to procure for myself additional income. This is of importance because my stipend only covers my basic necessities. I have gone over my finances with them multiple times, in detail. I have shown that I am unable to repay at the moment. Whenever I offer to pay the amount that I am able to pay ( $ XXXX- {$100.00} per month ) they have rejected it saying that it is not enough. They claim that they are willing to help, however, in the end, if I do n't pay the minimum amount ( which I can not afford ) they will not compromise. In addition, I have colleagues that are also past their 4 year grace period and they are not being asked to repay. This fact is only to say that I wonder why I am being targeted and why they are unwilling to work with me. I wish that I could talk to someone to make an appeal, but I am only ever able to speak to associates that pressure and harass me and do not try to work with me on this issue. 
I would greatly appreciate any help. I am not trying to get out of repaying, I just have not completed my program and I worry about next year also because I still have one year of internship to complete, where my income will also be limited. 
Thank you.
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.