WillisBack/dataset-financial-user-claim huggingface dataset:
SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance
I have disputed two collection accounts with Portfolio Recovery Associates for several months now. One particular time recently a certified letter was sent and was shown as " attempted delivery '' for what has now been about 5 months. I would like PRA to provide me the contractual agreement between myself and them that says that I am liable for the charges that they claim I owe. I have only been sent print out statements that does not prove that I XXXXXXXX XXXX  XXXX opened any accounts with Portfolio Recovery. Please provide the full audit trail for the information that you have on file to include how the debt occurred, whom the original creditor is, a signed contract between me and the original creditor, the amount that Portfolio Recovery paid for the debt and something showing proof that a contractual agreement exists between the original credit, Portfolio Recovery that makes me liable to pay them. I have also attached a letter that has been sent to Portfolio Recovery 's dispute department and has not been acknowledged.
Have not received a monthly statement in the mail since XX/XX/XXXX. Talked with customer service on XX/XX/XXXX was told to send a e-mail to them requesting statements sent on a monthly bases. This I did. Called them again today XX/XX/XXXX to make sure they were going to send me statements. Person I talked with told me that my e-mail request was never given to whoever handles this, she told me quote " e-mail was left on desk, not delivered " and that " they are not required to send monthly statements in the mail ". Due to the lateness my account was charged a late fee and recorded with the credit bureau. I do not have this account registered on line, need a monthly statement to keep proof of my payments.
In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.
XXXX XXXX XXXX  reporting me with 3 collections {$2300.00}, {$920.00} and {$3900.00}. I have sent XXXX XXXX a debt validation for all 3 collections and they have not responded and also reporting me on my credit reporting agency XXXX, XXXX and XXXX. All 3 collections being reported does not belong to me.
In XXXX, I contacted Sears regrading my situation and told them that we got affected by hurricane Harvey and would like to see if they can assistance us in any way or shape. I told them that we are living in FEMA assisted hotel and my employment got affected by hurricane Harvey, so the customer representative at the time told me that he will try to help us. Upon checking in their system they told me that they have Fema program going on with which I wont have to worry about my both Credit Card payments until XXXX and I can start my payments at the somewhere around at the end of XXXX XXXX and that 's what I have been told couple of time. Then recently, I got call from Citi bank and the customer representative told me that my accounts have been past due from 60 days in which I informed him about our previous conversation that I have with several customer Representative. So he told me that the program was for only two months which I was n't informed about and ; So I try to justified my point tell him that I was informed about about the program was till XXXX XXXX and I can start my payment around end of XXXX XXXX so he told me that he was sorry about the misinformation. So I dont think that several Representative giving misinformation and still reporting it to my credit bureau. I still receive consistent calls about my payments.
In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?
XXXX   XXXX   IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE  XXXX  BUREAUS SHOW IT.   XXXX    SAID IT IS N'T SO.
American Express opened a business card for one of my businesses ( XXXX XXXX XXXX ), and waived the personal grantor clauses. This statement was repeated to me on ever phone call. Currently, they have listed the debt on my personal credit. The business is incorporated, it has an XXXX, and a XXXX  XXXX  XXXX account.
Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.
In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.
I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.
I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '
I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed.
An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, XXXX and Transunion, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYST which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am a victim of Identity theft. i provided police reports and theft affidatives to Transunion and they will not block the accounts that do n't belong to me. The reps are very rude and they 're not compassionate to my situation. This is very embarrassing and I have done everything in my power to correct this issue. The accounts on my credit report that are fraud and not mine is XXXX XXXX XXXX XXXX and XXXX XXXX which that is a internet scam. Transunion refuses to remove these items from my account even when I supplied them with everything they requested. They have hung up on me screamed at me and I am very devastated. If we ca n't resolve this my next step is to sue.
I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.
Wells Fargo, XXXX. XXXX XXXX sent a pre-paid debit MasterCard that was not ask for and this card had a balance ( {$370.00} ). Various calls to telephone numbers ; XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX only got computer voice with the select a number. No valid information received due to the card was not activated and a PIIN not selected. Wells Fargo does not have a financial facility in Hawaii. I have the paperwork received, the card in a folder labeled " fraud ''. Today 's date is XX/XX/2018. This prepaid ( non-reloadable ) is considered a mass-mailing to create accounts at Wells Fargo and this practice should be stopped. I would appreciate a letter from Well Fargo stating that any account created has been " close '' and there will be no future attempts to create accounts under my name, address for any financial transaction. Well Fargo should also remove my name from any " prescreened '' offers of credit from this company. I may be reached at XXXX.
I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.
XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine
I sent money through XXXX which is linked to my debit card to a seller of a XXXX. I met this seller online through XXXX in a group normally used for buying/trading XXXX. I agreed to purchase a XXXX from a sellerlanc in the amount of {$160.00} total. I had a balance of about {$40.00} in my XXXX, which led me to pay {$120.00} from my bank. After waiting for a week and not receiving contact from the seller, I inquired to the group about the seller and if anyone else had issues with him. It turns out he was a scammer and other people had also been sold the same XXXX and not received anything and essentially, lost their money. I then turned to wells fargo to get them to request the money from XXXX and thus the sellers account. Twice I was denied their help after being told that I authorized the payment on my behalf. I explained that I did authorize the payment, but received no monetary value from the transaction, which would be covered in their ACH complaints form. I was no longer being contacted by wells fargo after being able to provide proof of the seller scamming myself and others.
On XX/XX/XXXX, I received an unemployment deferment for the period XX/XX/2018-XX/XX/2018.  Now I am receiving monthly statements and emails suggesting my account is in arrears. More importantly, I am receiving unemployment benefits and those statements and messages are adding to my stress and ire.
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.
Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!