WillisBack/dataset-financial-user-claim huggingface dataset:
The credit bureau has improperly verified items I disputed that remains on my credit report. A notice was sent las year from XXXX to delete an account. However, Tramsunion did not follow that and has kept this negative account on my report. Which stopped me from getting the neccessary credit and help I was entitled to. Also, I have XXXX other accounts that XXXX properly verified and has deleted. The same accounts Transunion stated was verified. Which is incorrect. I have attached a letter from XXXX and XXXX regards the accounts I disputed that was deleted by them and I would like Transunion to delete them as well for this is hurting my credit worthiness. I also have some credit inquiries that I did not authorize.
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX from Capital One. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. 
I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. 
Capital One runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
I sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
It seemed as though my loan never went down even when I was paying on time each month. The amount owed stayed very close to the total loan amount. At some point, due to the profession I am in, loan forgiveness may have been an option, and that was of course never recommended to me. Nothing was. 

Once they became Navient, they were very unwilling to work with me. I asked about lowering my monthly payments, explained my situation, and I was literally laughed at by not one, but three different employees. I asked what my options were, and they never informed me of a deferment, other payment options, forbearance or anything. I did not realize these were options for private loans until it was too late. I was spoken to in a very rude and disrespectful manner and threatened. They told me they would take my house and anything else to get the money if I did not pay it back. When I explained that I had XXXX children, and would the really put a family of XXXX out on the street rather than work with me, I was told yes. I continued to ask them to take a smaller amount than the monthly payment and they refused. I assured them that I just needed them to work with me, I was not refusing to pay. I eventually paid the amount online that I was able to pay. When someone called me back and it was discovered that I paid something toward the loan, they were again very unprofessional, and refused to work with me. The person I spoke to was very upset that I had made a payment. The following month when I was unable to make a payment, instead of working with me, they turned me over to a collection agency. I am now trying to come up with some type of arrangement, but the damage is done. I am absolutely dumbfounded by their lack of respect, professionalism, and willingness to inform their borrowers of options that were available, then throwing me under the bus the first chance they were able. In addition, the threats and disrespect was very uncalled for. 

My advise would be to never do business with Navient and XXXX XXXX. They are very unprofessional, and will do everything to get your money, trap you with not allocating payments correctly so that your loan stays at a high unpaid amount, then not work with you and provide all of the information and options when needed. Please learn from my experience and stay away from this company.
I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There is a fraudulent account with XXXX XXXX and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had an account with XXXX XXXX. I contacted the court directly and was told that they do not report to credit bureaus and that I would have to deal directly with Equifax , as the other credit bureaus blocked the fraudulent reporting. Upon contacting Equifax , I was told that they verified the accounts and will continue to report them. How can they verify them with the court, if the court does not report to them or communicate with them? I do n't understand why Equifax insists on reporting fraudulent information at my expense.
My Direct Deposit went through as it usually does but this time I have no access to my money. First my balance was not reflecting my direct deposit it said {$0.00}. Apparently they were doing a system update and there was a problem because I then had unauthorized out of country charges to my card. Now my old card is not activated so I 'm waiting to get my new card so I can pull the rest of my money out. Also the card was ordered express shipping for {$30.00} on Friday. It is now the following Tuesday and I still have no card and no tracking number. Of course I 've called XXXX and so far there is nothing to be shipped to my house. Today I 've tried to contact rush card and like it has happened since this mess started I keep getting hung up on!
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. 

I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. 

I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.
Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, XXXX and TransUnion which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, Transunion and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX
On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. 
XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. 
XXXX stated on the call at least once that we could do both the deferment and modification. 
I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. 

On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. 

On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.
I called XXXX at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to XXXX That makes it very misleading by XXXX to transfer me like that and by XXXX XXXX Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).
My account was transferred from XXXX to Bayview effective XX/XX/XXXX.At the time I had an excrow excess of {$1900.00}, On XX/XX/XXXX I called Bayview and spoke to XXXX XXXX and his superior regarding the escrow. I was a month behehind in the amount i of {$930.00}. It was agreed that this would be deducted from the escrow excess which would leave a balance of {$1000.00} owed to me, I was instructed to call customer service, which I did a week later. I spoke to XXXX ( he refused to give his last name ). In speaking to him, he gave me incorrect information, regarding my account. I was told the the trasfer had been made, however I have yet to receive the escrow balance. I have spoken to several people at Bayview and in each instance I have had to literally argue to correct misinformation regrding my account.I am frustrated and believe delaying tatics are being used to delay or deney the return of the escrow ( I was told that my escrow balance would take 30-60 days to be returned. Is the the norm?
Through unfair business practices Compass bank has changed the life-time NO-FEE contractual terms of my business checking, and started charging monthly fees, all without my consent, and have completely failed to notify me of any changes whether by email or by paper mail or by phone. As a result the unauthorized fees caused my account balance to go down without my knowledge, which in turn caused NSF charges, generating improper funds for the bank. Upon finding out of the problem I immediately went to a Compass bank branch which suggested I call a phone number for assistance. I demanded to talk to a person who acknowledged that her bank did not notify me of changes to my account no-fee terms, but refused to resolve the issues. I demanded that Compass bank reverse all improper and unfair fees and charges, that Compass bank return my original fund and close my account at once. The lady Compass bank executive I talked to refused to close my account, stating that I must pay all the accumulative fees and charges first, and that those charges will continue accumulating indefinitely even while the account is in dispute.
This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.
On XX/XX/2018 I sent a prepayment to the company that holds my reverse mortgage. I had to get the check, enclose a statement and then mail the check for the prepayment to them. They did receive it. 
I want to pay them monthly through my banks bill payment system, the way I automatically pay my utilities. The reverse mortgage company will not allow this ; I am required to get the check and manually mail it each month. My complaint is why can't they just accept these automatic payments from my bank like my gas or water utility company would? 
Why do I care? Because it is time consuming and I am busy trying to make a living so I can pay off this reverse mortgage so my heirs can have something.
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''
Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.
I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.
GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.
On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in XXXX XXXX.