WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was forced into an automatic debit setup with Navient to avoid negative reporting with my student loan. They threaten me with credit reporting issues and although I advised I couldnt pay, the rep made me feel like I had no choice. I was advised that the only way they would work with me was to setup automatic debits from my account which range from $ 80-89! although I was given a set amount, they never debit that set amount.
Solomon and Solomon collection agency in XXXX NY contacted me about a debt they are claiming I have through XXXX XXXX  XXXX XXXX XXXX XXXX last XX/XX/2018 ). I never gave them permission to keep calling me after I spoke with them. I ended up blocking their office number in XX/XX/2018 because they kept calling me. Around XX/XX/2018 they started contacting me from their toll free number and they have left voicemails twice. I never gave them permission to ever leave voicemails on my phone from either number. The heading on their collection letters states they are not legally allowed to call or leave voicemails to anyone without permission.
Please reference your prior claim ID XXXX. Shortly after submitting that claim I received an apologetic letter from XXXX XXXX at the executive response unit of Citibank N.A. in XXXX XXXX. Please see your CC in file. He said the {$400.00} was legitimate and apologized for the delay. He said to send my XXXX ( again ) form to XXXX XXXX. I had already done that with a form for my wife who is a joint owner of the accounts. That was two weeks ago. The {$400.00} bonus payment has not been paid. Two days ago ( XX/XX/XXXX ) I received a letter from XXXX XXXX via regular mail dated XX/XX/XXXX!! I quote from that letter : " Thank you for providing your tax certification Form XXXX. During the tax validation process, we identified the following issue that resulted in the rejection of your U.S. tax certification. The federal tax classification box selected it inconsistent with the name provided on line 1 of your Form XXXX. Please complete and submit a corrected tax form. '' I have NEVER seen nor filed a Form XXXX which is for NON U.S. citizens. They may have confused me with another customer or else this is another deliberate stonewalling delay to deprive me of my {$400.00}. I have telephoned Mr XXXX ( XXXX ) repeatedly only to leave voice mail. All my calls remain unanswered. Please help me.
I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.
I have disputed the late payment status reported on the account XXXX XXXX XXXX, XXXX XXXX/XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.
I received notification on from an attorney on XXXX/XXXX/2016 that my home is in active foreclosure. I contacted PennyMac to work out a payment plan which I had done previously in XXXX but was denied. I was told over the phone that I qualified for the repayment plan, and would be contacted by a representative. I was contacted by XXXX who 's manager is XXXX XXXX on XXXX/XXXX/2016, to start the process of working out the repayment plan. I was also told that foreclosure fees had to be requested from the attorney before this could start. It is now two weeks later and still no foreclosure fees. I do n't feel it is fair that I have time ticking against me, and it is not my fault. The letter from the attorney says I have 30 days to respond this is taking from the 30 days. I feel the foreclosure should stop while you request this sort of stuff. In addition I asked if I should make a payment on XXXX/XXXX/2016, and was told yes go ahead and make a payment so you can reduce the total amount due in your mortgage. Then when I called on XXXX/XXXX/2016 to report I made a payment of {$2800.00} which is two whole months, she said it may not be applied to the account. Why would you tell me to pay and it not be applied. Is this company trying to make me loose my home? I need this foreclosure to stop and be given the amount to reinstate my mortgage ASAP.
I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.
I decided to have XXXX  XXXX back in early XX/XX/2014. The office that did the procedure connected me with XXXX/XXXX  ( acct number XXXX ) to finance this procedure. I had the procedure and continued to pay them until this was paid off. They currently have not updated my credit report since XX/XX/2014. I am trying to get a mortgage and this account is killing me. I have called the company ( XXXX ) and pleaded with them to give me some type of letter or info as to the status of my loan. They refused to give me this information. I am now unable to get my mortgage approved without the updated status of this loan. 

I need help to resolve this. 

Please help me to resolve this ASAP. 

Sincerely XXXX XXXX
I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.
Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical  bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC   stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.
Nationstar is reporting false and misrepresenting a loan they 're servicing that was transferred from XXXX XXXX XXXX Home Loan servicing. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

Nationstar Mortgage information should reflect the same data as XXXX XXXX XXXX 's to start. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments, no agreements ).
Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX
I have been making payments on my Capital One account from my bank account for approximately a year. Every now and then they do n't make my payment available in my my credit limit and they put a hold on my payment, even though it has cleared the bank. The randomness of this is frustrating. My last payment they once again put on hold, my wife, an authorized user, was informed when she called in to see why payment was not reflected in our available credit. Several days later she called in to check the balance and available credit and was directed to the fraud department. They indicated that they have put a restriction on my account because they need to verify that the bank we have been making payments out of for over a year, belongs to one of us. WHAT? They told my wike that I needed to call and get on the phone with them and my bank. While this sounds simple enough, my problem with this is how these credit card companies can get away with accusing us of fraud and keeping my payment on hold when the funds have already cleared my bank. The fact that they are treating us like we have done something wrong when we have been making payments on time out of the same account for over a year is not right. I have not called them because it is a matter of principal and I feel like they are using delay tactics and harassing us for no good reason. I would like them to release the hold on my account and to stop finding reasons to delay my funds.
We hired a realtor to handle all aspects of this transaction and currently, have a contract pending to sell our home as a Short Sale. Closing date of XX/XX/XXXX. Shellpoint Mortgage Servicing sent our agent the 'Agreement to Release Collateral Interest ' stating that Shelllpoint obtained approval to release interest for the amount less than the total due on loan. The terms did not include a 'waiver of deficiency ' or statement waiving the right of the investors or Shelllpoint to collect that deficiency in the future. Because of the future liability, we contacted Shellpoint to request modification of this agreement. I was notified that by my agent that he was not able to get in touch with XXXX, the representative handling our file. I left various messages for XXXX with no callback. I spoke with several representatives ; XXXX a CSR stated ; " We would not be liable for the deficiency and that the verbiage is never written and customers always question the verbiage. She assured we were not liable and we were good to go ''. I asked this to be put In writing and I was transferred to XXXX voicemail. 
I also spoke with XXXX, XXXX, and XXXX. On XX/XX/XXXX I was transferred to XXXX in Loss Mitigation, who confirmed the Agreement to Release Collateral Interest to be incorrect and an error on their part. He stated a new Agreement to Release Collateral Interest would be drafted showing that the debt considered fully satisfied for less than the amount due and with no remaining deficiency balance owed. The last paragraph of the agreement, regarding any collection of the remaining balance due and owing, would also be removed. 
On XX/XX/XXXX I contacted Shellpoint to inquire on the status of the newly drafted agreement. I spoke with XXXX who confirmed the agreement was written and sent on XX/XX/2017. I requested that she fax it to my agents who in turn emailed the agreements to me. Surprisingly the agreements were not modified as discussed. In fact, the only thing that did change was the date. My agent contacted ShellPoint mortgage and spoke XXXX who informed him that the agreement was a legal document and could not be modified. Apparently, we are getting the run around from this company. Per the agreement, we have to close by XX/XX/XXXX. I am unable to get anything accomplished with this company. The agents I hired to handle this transaction, and I have been getting the runaround with no resolution. 
My wife attempted to call today XX/XX/2017. She spoke with XXXX who transferred her to Loss Mitigation, XXXX. Again he was unavailable but was working. Per XXXX, she directed my wife to contact the Manager XXXX who could be reached via the XXXX # ; my wife left a voicemail for XXXX, once again.
I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.
On XX/XX/2017 a check was written from my Business Checking account, unbeknownst to me. The check was a part of the starter checks. It was signed by a person who I do not know but that person just signed his name on the check - completely different from my signature. The check was allowed to be processed and funds were debited from my account, in the amount of {$900.00}. I filed a claim with Chase and, after about 2 months of investigation, they denied my claim stating that I failed to take proper care of my checks. I explained to them that the checks are kept in a locked drawer and that I am not sure how this person got a hold of it. What about the fact, that the signature does not match my signature? According to Chase, that does not mean much since, in their opinion, I did not take care of the check. I also explained to them that I did not file a police complaint for stolen check since I expected Chase to take care of it. I talked to their Senior Claims representative on a couple of different occasions but they came back with the same conclusion. My Banking contact at the branch office talked to Chase Claims Department and he was appalled to here what they had to say. He feels that this was a clear case that Chase should have ruled in my favor and pursued the person who wrote the check. Please note that I have recently moved, hence the address on this complaint is different from the address on Chase 's letter. 
The fundamental issue here is - the signature card has no significance. Banks do not check for your signature on checks and they take no responsibility if the signatures do not match. I am not sure that all customers are aware of this.
I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). 

My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). 

I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.
This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}
I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues
I got this call from Allied Interstate with a different number and I 'm making my payments to my original debt collection service, while there maybe other calls with outdated information.
I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.
On XX/XX/XXXX I made a call to my loan provider Navient to see if they can lower my private loan monthly payment. I was told by two representatives that there is nothing they can do. I currently owe them $ XXXX in private loans. Ive never missed a payment and have been paying since XX/XX/XXXX. I have also called numerous companies about consolidation and I am getting no where to resolve this issue. 

I did notice Navient is being sued by the Federal Govt for not helping there customers. Now i can see why. Im starting to get nervous that I will lose my house and will have to file for bankruptcy. Companies like Navient are a burden to thousands of people and I can say that Im a vicitim of there poor practices.