WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I hope this letter finds you doing well. FedLoan is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX and XXXX During the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, FedLoan is reporting to credit reporting agencies such as XXXX, XXXX, and XXXX, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, FedLoan granted me a retroactive forbearance in XX/XX/XXXX that lasted fromXX/XX/XXXXto the end of XX/XX/XXXX. <P/>Thus, FedLoan is aware that I was supposed to be in forbearance, they approved said forbearance way back inXX/XX/XXXX, and FedLoan has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end ofXX/XX/XXXX. <P/>However, despite my numerous efforts to get FedLoan to update the credit reporting agencies to remove these late payments because I was in forbearance, FedLoan continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called FedLoan to dispute these late payments, and I have supplied FedLoan in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied FedLoan with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinionXXXX FedLoan continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
CBE Group recently put 2 new medical collections on my credit. The only way I knew of them was seeing it on my credit report. They didn't send me a notice. Also I am already paying the hospital for these and they were sent to collection in error! XXXX is fixing it.
i believe Ocwen has not been forthright with dealing with my mortgage and one example is they foreclosed on my house and did not obey the judge 's order to give me a total on what i owed them during bankruptcy.My mortgage went from XXXX to XXXX and was but on loan modification that to me wasnt one because the payments where irregular and never offered me any relief.i am not an accountant but i believe i have been mistreated.my score has changed and the delinquency i has been taken off XXXX scores seem to be up to date.
My mortgage was recently sold to Residential Credit Services ( RCS ). My current interest rate is 2 %, but RCS has been charging me 3 %. I am going on week XXXX of trying to get it changed, they have acknowledged the error, but it is still at 3 %. I am getting ready to sell my home and need this corrected and the incorrect amount that has been applied to interest needs to be applied to my principal balance. I also have never received any buyer/owner incentive that my HAMP modification indicated I would be receiving ( {$83.00} per month or {$1000.00} per year ). I am approaching my XXXX year into the modification and have never received any documentation indicating this incentive had been credited towards my principal balance.
After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.
In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, Transunion has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. Transunion must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see  attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both Transunion and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.
XXXX XXXX and his team are horrible people first we get pre qualified and when we find a home we send the loan into underwring then at the last minute they said we were denied by the underwriter. ( no letter of explanation received ) so XXXX promises that he has a different underwriter that he spoke to and we will have no problem getting it right through with them the new company. So now nothing is wright they do n't have any of our paper work they needed everything all over again my credit was polled over 6 times just by them and there making me do all this to my accounts on my credit that it dropped my score so low we did n't qualify for the loan now. I even asked him several time if it do this it wo n't effect my score and every time he said no we will be fine. For his team of loan processor s they are just as bad they will tell us one thing then the next day they say no that 's wrong. So back to the loan underwriters come to find out XXXX XXXX left nova home loans the original company we were dealing with and started at XXXX is the same time our loan was denied and our file was sent to XXXX still have yet to receive a letter of explanation for the reasons we were denied in the first place I thought that was required by law.
I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request.
I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.
0n XX/XX/XXXX I received my load for {$29000.00}. I stared paying back my loan in XXXX. I had trouble repaying loan so the navients customer service agent strongly suggested to defer my payments. I was paying the intrest and nothing toward the Principal. They insisted that was the best option for me. Knowing what I know now, it was the worse option. Im still repaying my loan. I have repaid over double what I was given. Instead of the agents helping and looking for the clients best interest they were only looking out for Navient Solutions. Im hopping to get Reimbursed for getting taken advantage of. Navient is not a trustworthy loan provider.
I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, XXXX XXXX XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.
Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!
We are the attorney firm representing XXXX XXXX and his family on the foreclosure case against him. 

Since XXXX, we have been submitting documents for a loan modification and providing every and all documents Fay Servicing has requested in a timely manner. We did so all the way through XX/XX/XXXX when our application was deemed complete and ready for underwriting to decide. 

At that point, our clients has a sale date scheduled for XX/XX/XXXX and I was informed that on XX/XX/XXXX our application was declined because it was within 37 days of the scheduled sale. A motion was filed to postpone the sale to allow underwriting sufficient time to complete the review. The motion was granted and the sale was postponed to XX/XX/XXXX. 

On XX/XX/XXXX I called AND emailed Fay to make sure they were aware of the cancelation and I was assured the review would be completed. Ever since, I have been mislead over and over, they said they escalated the file, they said it was under review, then they said it was not. Below a time line : XX/XX/XXXX Called and emailed Fay with the results of the motion so they could resume the review. 
XX/XX/XXXX A very rude agent told me our application had been deemed complete since XX/XX/XXXX and I would have an answer by XX/XX/XXXX. I emailed Fay servicing with this information. 
XXXX I was again told by Fay that the file was still being reviewed and they did not have an answer yet. 
XXXX the file was escalated to a Supervisor ( XXXX XXXX ) for the first time. I was advised I would receive an update the following Monday, XX/XX/XXXX XX/XX/XXXX I called and spoke with another Supervisor who told me our file was NEVER sent to underwriting and that she would do so then. That I should be counting 30 days from the foreclosure was canceled and not from XX/XX/XXXX. 
XX/XX/XXXX I called Fay for an update again to find out that on XX/XX/XXXX the file was denied because we were " within 37 days of the sale ''. 

The only possible reason this could have happened is that when the file was sent to underwriting for the second time ( late, as my multiple phone calls and emails were not addressed ), they did not review the account at all. The only thing they saw was a sale date and denied it without considering the escalations. 

We believe this to be unacceptable and not in good faith. We need our modification to be completed immediately as we have done absolutely everything that has been asked from us and the judge canceled the sale so they could give us an answer.
My escrow payment increased from roughly {$330.00} a month to {$410.00} a month while my taxes/ homeowner insurance have stayed the same. No XXXX at ocwen has been able to tell me why or tell me where my money is going. They tell me someone will get back to me and they never have for 2 weeks now.
I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.
Good morning. Back in  XXXX  I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in   XXXX   XXXX   XXXX   they offered me a " streamline  XXXX   XXXX  and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in   XXXX   XXXX   and was granted  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     The problem I am having is as follows :  1 )  Every year since  XXXX  my escrow account is short by a significant amount of money. They spread the shortage over a period of  XXXX  years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high.      2 )  When I modified in   XXXX   my unpaid principal balance was {$86000.00}, and my  XXXX  was {$640.00} with a maturity date of   XXXX   XXXX   XXXX  . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on   XXXX   spoke with rep ID #  XXXX  and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account.     If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.
I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.
In XXXX of 2018 Navient agreed to a rate reduction program. Come to find out it was " processed incorrectly '' Went thru the footwork again in XXXX of 2018 for the rate reduction program. Have since received numerous notices about delinquencies while they were automatically withdrawing payments from the checking account. Each time customer service was called, no one knew anything about the rate reduction program. Part of the rate reduction program says it would take effect after 3 consecutive payments. Because the program wasn't processed correctly originally, the first payment didn't count. They did an automatic withdrawal for XXXX and XX/XX/2018. They did not automatically withdraw XXXX 's payment and then came looking for payment as if to purposely force a default on the loan, so they wouldn't have to keep up their end of the deal. They have also put thru a forbearance, that was never asked for or applied for, and have not reduced the rates as promised. Every phone correspondence I have gotten the runaround and harrassed about paying more money. Every agent I have spoken with says " Well I don't know what the last person said or did, so I can't help you. '' The loan has continued to accrue late fees eve though I have kept up with my end of the agreement. I believe I have been misled, lied to, and taken advantage of.
Syncb has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.
Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.
My home-based business slowed down in past year. 
I applied for Mortgage loan modification and assistance from my lender. I'm still processing this application with the lender.

One stranger has been pasting demand notices on my front door stating that he bought my house at foreclosure. He's threatening to evict me from my house.

This is my primary and only residence. I may become homeless.

I'm interviewing for full time employment while reorganizing my business.

I want to keep my house .... 

Please help me .... 

XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
In 2012 i was using XXXX account to buy items on XXXX. They unwittingly enrolled me into the program and was charged for items and fees, due to their deceptiive practices.
I PURCHASED A MONEY ORDER TO PAY MY RENT ON XX/XX/2016. THE MONEY ORDER WAS LOST AFTER i MADE OUT THE MONEY ORDER TO " XXXX XXXX XXXX ''. WHEN THE MONEY ORDER WAS LOST, I MAILED A LETTER WITH COPIES OF THE FRONT OF THE MONEY ORDER AND THE MONEY ORDER RECEIPT TO WESTERN UNION FINANCIAL SERVICES IN XXXX COLORADO. ACCORDING TO THE USPS THAT WAS RECEIVED ON XX/XX/2016. I HAVE CALLED THE CORPORATE OFFICE 3 DIFFERENT TIMES AND I HAVE EMAILED THE REQUIRED DOCUMENTATION, AND I STILL CAN NOT GET A STRAIGHT ANSWER. i AM XXXX, LIVE ALONE AND I AM BEING EVICTED. PLEASE HELP ME.
XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.