WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, and XX/XX/XXXX I have requested for my loans with Navient XXXX to be placed in the Income Based Repayment Program on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via facsimile and phone and the account still has not been placed in the program. I have now contacted them today spoke with the rep in the federal department known as XXXX and she said she is checking the account status. During this process they repeatedly asked for information regarding my employment. Because I am XXXX the only verifiable income information I have is my tax returns. This information was sent multiple times over. XXXX XXXX had no problem fixing this problem. The rep told me that they received the report but it was never processed on their end. The rep was in XXXX and told me she would send it back for review. In the meantime, I have to wait and see if this gets done by them. Please advise.
I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.
I have contacte d PNC Mo rtgage several times since  XXXX   XXXX  when I received my tax reassessment to hand le my county tax bill as w ell as complete a new escrow analysis to adjust my monthly payments to the correct amount. I have escalated several time, and have received no follow up. I have been promised that the analysis would be completed, but it is still under research - even though the new assessment value has been available  on the county web site for several months. My tax bill is now due, and it has not been paid. I ca n't speak to a human in the tax department to discuss my issue since they dont talk to customers - and the customer service area has not been able to communicate appropriately to resolve my issue. this has not been resolved and needs to be fixed. If i could refinance to another company without losing sev eral thousand dollars  - it would be done. I would like PNC to pay my tax bill, and complete the analysis promised so my bills can be correct. I 'd also like a follow up to occur to tell me the current status of my issue, when the tax bill will be paid, when the analysis will be completed, and when i can expect final resolution. Terrible customer experience, no action taken to resolve a tax matter, no urgency to help a customer, no ability to talk to the area that can help. Awful all around.
Hunter Warfield is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX  XXXX then sold the alleged debt to Hunter Warfield, within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from Hunter Warfield to prove the validity of this debt. I hold both XXXX XXXX XXXX and Hunter Warfield accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.
I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. Experian : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. 

I have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.
I have noticed that XXXX XXXX have placed an inquiry on my XXXX  and Equifax credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX  report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B )  states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Equifax and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.
I was recently reading the NAVIENT complaints online and this too has happened to me. I tried to get help from them directly, with no resolution and therefore went to a XXXX company called XXXX and they have charged me an outrageous price to get started and then I 'm getting calls saying that NAVIENT is not receiving the payments when I no longer deal with them directly. I just want to know if I 'm getting any results or if my money is being taken every month and I 'm getting nothing in return.
I co-signed for my child to attend XXXX School in 2006, which was a private school. The loan at the time was under XXXX XXXX since transferred to Navient. The amount financed at the time totaled XXXX plus taxes and fees. The payments were being kept for about a year after they began. My child did not complete the course due to a problem which did not allow them to go. After that payments were not being met which Navient transferred the payments to me. The amount were being paid thru me by my child until they could not continue payments. About two years ago I was hit with another student loan under my name, in which I had no knowledge of In the amount of about {$12000.00}. I keep my paper work in ref to anything to due with money and loans. I know for a fact there is nothing with my signature or info on this second loan. So not sure If I have to sue them to correct or resolve this problem. But if I have to I will because this is illegal and should not be allowed.
I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.
Unknown account listed against my personal credit file, validation was requested and also a dispute was filed. Please help assist.
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, XXXX, and TRANSUNION, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, XXXX, and TRANSUNION on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where TRANSUNION just removed my XXXX account all together, and XXXX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
I bought my house in XXXX. 
I did a refi with Chase in XXXX. Rate was 8.1 % I am a small business owner. In XXXX my business was slowing down and did n't make the money I used to. I tried to refinance with Chase but was declined because I was a small business owner and did n't have enough equity in my loan. I called Chase XXXX XXXX to apply for the Home Affordable Modification Program ( HAMP ). I clearly qualified for the program based on the guidelines and I wanted to keep my home. After XXXX months ( XXXX of phone calls ) they finally told me that I was NOT APPROVED for HAMP. In XXXX XXXX I finally missed a payment due to my financial struggles. I tried for HAMP again. 
Finally got approval in XXXX XXXX for 2 % rate going up to 5 % by year XXXX. I made XXXX trial payments on time. After the trial period they sent over the " official '' terms of modification. It really was n't helping me stay in my home as it was putting the money I save in interest onto the loan. They said if I did n't sign that the only program I qualified for was Home Affordable Foreclosure Alternative ( HAFA ) short sale. I do n't understand why, I made all three payments on time and I wanted to keep my home. 
On XXXX XXXX XXXX I rcvd a letter from Chase that said they would pay me {$20000.00} to sell my house. 
I agreed to the HAFA program as I had no other choice and Chase was now threatening to foreclose if I did n't. As part of the HAFA program, Chase told me there are no payments to make as long as I followed the guidelines of the program. I listed the house with a realtor. 
XXXX I had offer that was accepted by Chase to sell house for {$230000.00}. Just before closing Chase sold the mortgage to XXXX. Short sale with Chase never happen. 
House sold XXXX months later with XXXX as the servicer. 

I feel like as a small business owner I was discriminated against. When I tried to refi I was denied even though I had XXXX FICA score and made all me previous mortgage payments. Then I was denied HAMP after trying for XXXX months. Somehow I got convinced ( XXXX ) into selling my house in a short sale and all I really wanted was to stay in my home. 

Now I ca n't get a mortgage ( even with a XXXX score ) because my credit report shows XXXX months of non payment between XXXX servicers.
This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.
Bank of America is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Bank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit {$3000.00}
I bought " free sample '' product on the internet, paid shipping. then they charged me {$300.00} or more. I called them, told them I did n't want the product and they gave me an XXXX number to return the product and I 'd get the money back. this was XX/XX/XXXX. In XX/XX/XXXX I get a letter from some saw firm Tate & Kirlin Associates, Inc that I owe money and I needed to send a letter saying that I do not owe any money. I did that. Now I get a letter from the same law firm saying the original letter was wrong and the original creditor was XXXX, which was where i got the original email to return the product. 
I have documentation of all of this and I 'm tired of being harassed with letters saying I owe anyone money. 
I 'm sending the Tate & Kirlin another letter saying I do n't owe anytihing but I was also telling them that I was going to put in a complaint, so that is what I am doing. 
These are Internet scams to get you to but some product for free but you miss the small print where it says they are going to charge you an exorbitant amount of money for the product afterwards. 
I returned the product, made a claim against my credit card and got the credit back. I DO NOT OWE ANYONE ANY MONEY. And I 'm tired of getting these XXXX letters saying I do.
My TransUnion and XXXX  credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, XXXX
I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.
I have disputed the public record on my credit report, challenging the accuracy, compliance and reportability of the bankruptcy listing in my credit report ( faxed to Transunion on X/XX/2017, and mailed in XXXX/2017, and XXXX/2017 certified mail ). I never received the investigation results of the bankruptcy dispute. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws. I included a copy of this letter with the fax on XX/XX/2017. I did receive a confirmation letter from TransUnion stating they received my faxed dispute and the court letter, but the letter from the court was n't information they could use. I never received any notification letter from Transunion regarding the results of these disputes about the public record. Currently, on my Transunion report, it states that information is obtained from a third party. Well, who is this third party, that gives/sells information to the CRAs? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating, and then selling the information to credit reporting agencies. Public records information is NEVER validated by the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW.
In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.