WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been removed.
XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.
Franklin American Mortgage Company was notified by way of a conference call between me, my insurance agent, and a Franklin American representative that I was dropping my insurance coverage with XXXX and was picking up coverage with XXXX, XXXX XXXX XXXX. That call took place XX/XX/XXXX. My new home hazard coverage began taking place on XX/XX/2017. When Franklin American sent me a notice in the mail that they did n't have any record of my new coverage, I sent all the new insurance information from my declaration page. Two weeks passed. I received notice from XXXX that they had n't received payment from my escrow account and, I was about to be dropped from their coverage. That 's when the nightmare began. I had a week to prove I was covered. I placed multiple phone calls and waited for 30 minutes at a time with each person ( XXXX, XXXX, XXXX ) to be told continually that they had n't received anything in the mail. I had my new insurance agent fax a copy of my coverage on Friday, XXXX XXXX. I called on Monday and Tuesday, XX/XX/XXXX and XX/XX/XXXX and continually got the run around. Eventually Franklin American workers told me that the fax was illegible. I then faxed a PDF myself to the company. I was promised by XXXX that she would call me to tell me whether or not she received it and could read the information. I never received a call. I now had hours left before being dropped from coverage. I am a single mother who is a teacher. I clean houses on the side and tutor students to make extra money. In a panic, I ended up calling XXXX and they told me to avoid being dropped from coverage that I should make a small payment of {$240.00} and then whenever Franklin American finally decided to get their act together, I would be reimbursed. So that is what I did. I did n't have the spare cash. I will not go grocery shopping this week now. I stay updated and on top of things. I did my part and Franklin American failed me continually. Their customer service did n't seem worried about my finances or my coverage being dropped. I felt that certainly, incompetence played a part in this circumstance.
I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the help!!!
XXXX / XXXX /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida
First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )
I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.
no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.
Experian was contacted to help me with a fraudulent claim ( XXXX ) by XXXX of XXXX XXXX XXXX. It emanated from incorrect billing data provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX billed the wrong amount and the wrong insurance carrier ( XXXX XXXX XXXX XXXX ) for ER services. My insurance company ( XXXX ) denied the claim since the hospital submitted it XXXX year after my ER visit. My ER co-pay is only {$20.00}. XXXX is charging {$460.00} for a XXXX and XXXX for a XXXX. No XXXX, and no XXXX required. Experian did not speak to me personally about the matter but simply verified the claim with XXXX. XXXX did not contact me and did not follow the Fair Credit Act procedures regarding medical billing disputes. I am trying to refinance my home. Experian and XXXX refuse to remove this negative information that is incorrect. I have also disputed this information with XXXX ( File number XXXX ) and XXXX ( File number XXXX ). I hope the CFPB can help?
An auto loan with XXXX XXXX XXXX which is correctly shown on my Credit Report as paid in full in 2005 is carried on my Credit Report as an open account. That makes no sense so I would like it deleted from my Credit Report.
I have a XXXX card - Synchrony bank is the financial institution that is the holder of the payments - I have tried repeatedly to get a paper copy of my bill from Synchrony bank re : payments made to the XXXX   account. 

Just made a phone call to Synchrony bank to request a paper copy of the bill generated from their company to see what is owned on the XXXX account. Gave me the famous round about way all I owe is $ XXXX.and change. I asked the Customer Service rep to give me the FULL AMOUNT owed on this card. I paid off the Synchrony Bank account for XXXX in XX/XX/2019 - All I want is the bottom line of what I owe to this Bank and then be done with them - this bank is very difficult to deal with - the bank controls most of the finances connected with Clothing and furniture stores. All I want is the final balance and then b done. I have not ordered anything from XXXX for several months. I want to see for myself what I am being charged with.
Contacted Synchrony Bank/Care Credit on multiple occasions, and three times on XX/XX/2019. They claim to have sent a card to me which they also claim was returned. I'm trying to resolve the alleged mail delivery issues. I can not find the company 's original email, claiming the card had been returned by the USPS. They still have failed to get a card to me, with an account opened one month ago. They claim a system email from the legal department was generated and insist there is no way to resend it to me. Two different supervisors also claimed there was absolutely nobody they could ask, or compose a general new factual email with the necessary details to resolve the alleged mail delivery issues I seem to be having, according to them.
Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.
This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX
Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert
I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.
I have a XXXX account ( XXXX XXXX XXXX ) and they attached a product called XXXX XXXX to my account without my knowledge or consent.
On XX/XX/XXXX I was sued by XXXX XXXX for a defaulted credit card. The attorney that was suing me for {$1600.00} and XXXX dollars for court costs on behalf on XXXX XXXX was XXXX XXXX XXXX XXXX XXXX and that was the last I heard about it until XX/XX/XXXX when I received a letter of garnishment from the law firm Cooling & Winter informing me that they have gotten a judgement against my employer on XX/XX/XXXX and will be garnishing my paychecks.for XXXX principal and XXXX in post judgement interest, and XXXX in other fees. After frequently calling them trying ( and failing in both aspects ) to have the garnishment stopped and a payment arrangement agreed on I posted a complaint on the XXXX website ( XX/XX/XXXX ) where they finally respond " We appreciate the opportunity to respond to this review. Fair customer treatment is a high priority for our office and we prefer to resolve debts with consumers voluntarily, without using the garnishment process. However, in this case, no payments were made toward the debt in response to the lawsuit or judgment in XXXX, or at any time since then. We evaluate settlement offers and payment plans based on the particular facts and circumstances of each case and invite you to contact our office to discuss repayment options ''. ( XX/XX/XXXX ). 

After 28 days of multiple phone calls and emails sent to the person handling my file explaining my problem with 25 percent of my paychecks being seized I get a phone call from a XXXX XXXX who tells me that in XXXX Cooling and Winter tried to call me numerous times and in XXXX they sent me a letter to settle, but to have the guy actually in charge to decide if its okay to reduce the amount they are taking out of my checks I will need to submit 3 of my paycheck stubs.That very day I email 3 of my paychecks stubs to XXXX XXXX and wait. Wanting to know if a decision has been made I email XXXX XXXX XXXX on XX/XX/XXXX to find out on the XXXX of XXXX that XXXX didn't send my paycheck stubs to him. It has been six days since then and I haven't received a email or a phone call. 

It has been almost 2 months since I was invited to discuss repayment options. Every time Cooling and Winter takes the full 25 % of my paycheck I not able to afford my living expenses
**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.
I was surprise to realize that I have 1 " high Inquiry '' when I checked my XXXX XXXX account, this happened on XX/XX/2018 Apparently it was a Chase Bank U.S.A inquiry for a credit card, which was denied, and obviously my concern is that this can affect my credit score.
I received a garnishment regarding an old collection debt that went into judgement in XX/XX/XXXX. The debt was turned into a judgement in XX/XX/XXXX with the law office, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, in XXXX, GA. It was cancelled onXX/XX/XXXX. The law firm XXXXXXXX XXXX XXXX, XXXX in XXXX, GA - XXXX, filed another judgement on XX/XX/XXXX. The debt went into collection in XX/XX/XXXX. I have not heard from this company for 11 years. The company that says I still owe them money is Capital One. It has been 17 years since this debt has gone into collection. When I spoke to their legal department, they were no help. They have began garnishing my wages as of today. I moved from XXXX  4 years ago. I now live in XXXX. I was not notified about them garnishing my wages until I received the letter from my company 's XXXX division. When I spoke to Capital One legal division, to XXXX XXXX - Supervisor - XXXX ext. XXXX. I told her that I moved to another state and that I have contacted my attorney. I told her the debt is 17 years old. She tried to make it seem as if the debt just occured within the last month. I am a single mother with XXXX children and I can't afford to have 25 % of my wages taken from me. I have included the documents for your review.
XXXX   XXXX  keeps calling about debt past statute of limitations and told them to stop calling me. Keep calling from different numbers every day.