WillisBack/dataset-financial-user-claim huggingface dataset:
Told clear to close would be signed off next morning, closing Friday XX/XX/XXXX, closing set, then loan denied abruptly. No further communication. We received a pre-approval in XX/XX/XXXX by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional XXXX for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on XX/XX/XXXX by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On XX/XX/XXXX called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again morning of XX/XX/XXXX would try and get closed that afternoon but would probably be Monday XX/XX/XXXX. At XXXX received call from realtor that they had fired our loan officer, he was told not have further contact with us and manager would take over loan. We were never told any of this by Ruoff Home Mortgage. Obviously, XXXX was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again XX/XX/XXXX and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us.
Trying to work with our lender on a loss mitigation application. They sent us the application with a letter dated XXXX/XXXX/17 with instructions to return within 30 days. We submitted electronically and sent the original documents in overnight mail, we me the 30 day deadline. The lender can not confirmed that they received it. They now say they need 37 days before the sale date to review ; when I told them the letter gave us 30 days ; they said it would take 5-7 days to upload, but they would review. The sale date is XXXX/XXXX/17. We feel that this is illegally dual tracking to force us into foreclosure when we have submitted an application to try to bring the loan current.
CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four 1099 's  from XXXX, Cancelling Debt. The issue of a 1099 to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] 1099 's to me and provided the same to the IRS. After XXXX issued the 1099 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment inXX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....
I was targeted for an offer for XXXX AA miles if I open a new citi gold account and pay XXXX bills as well as use the debit card for at least {$1000.00}. I completed the requirements and CITI confirmed that I met all the requirement and would be receiving my miles within 90 days. The 90 days passed in XXXX. I have submitted several requests to CITI for my miles and have yet to receive them.
At age XXXX, my mother fell and was XXXX. Due to geographical limitations, she has savings and checking accounts with a local branch of Bank of America. She has a Durable Power of Attorney naming my brother as the primary, and myself as the secondary, attorneys. She is in XXXX ; my brother is in XXXX ; I live on XXXX XXXX, but have moved temporarily to XXXX to help her through what are probably her final months. When we tried to add my name to her account as a signer so I can pay bills without mailing the bills and a book of checks to XXXX, my brother sent a letter explaining that it is more practical, and fully acceptable to him, for me to exercise the Durable Power of Attorney for the present time. I visited the XXXX branch of B. of A. He visited a XXXX branch. Each gave extremely conflicting and confusing descriptions of the many necessary steps to add my signature to the account. In either case, I believe we would be liable for legal expenses to have my mother 's lawyer revise the Durable Power of Attorney, a revision that would necessarily be temporary and result in further legal expenses and delays at the time of her death. My mother is XXXX and can not get in and out of a vehicle to go to the bank to sign any papers. Bank of America staff are unwilling to make the XXXX-minute round trip to her home to get a signature. Is there any recourse this side of the grave?
I initiated a dispute in XXXX to Equifax due to my balance and account status not being reported correctly. As of today 's date the account still is not showing my correct balance or that the account is current. On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX XXXX Customer service and she advised that XX/XX/XXXX they sent the credit bureau the correct account information showing that the balance was {$180.00} and that the account was current. I was advised to contact the credit bureau by the company. On today I received notification from Equifax that their investigation has been completed with the following remarks : We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is being reported correctly. This creditor has verified to OUR company that the high credit/credit limit is being reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX, XXXX MO XXXX Phone : XXXX I was advised to contact the Company by the credit bureau although they are reporting incorrect information. This should not take another 30 Day dispute as the correct information needs to be reflected on my account as this is impacting me negatively as the information is not being reported correctly after disputing with the credit bureau or contacting the company.
I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee.
Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX
Equifax has some kinda of block on my credit file. I sign in to equifax XXXX my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I dont have a credit file. XXXX XXXX worked for me only on 1 day XX/XX/2017 and one day only. After that equifax placed some kinda of block preventing my credit report from displaying.
This account appears to be from XXXX XXXX XXXX I had in XX/XX/2010. 

It is unknown why car insurance company would attempt to file a bad debt as in NO means whatsoever did I request any type or form of credit line from this company. I switched to XXXX in good standing around that period and was not whatsoever carrying any kind of ongoing payment obligation to XXXX. 

More importantly, this account is noted from XX/XX/2010, XXXX is falsifying all reference to this account in effort to collect monies NOT owed. 

This account is causing me financial detriment and I will be filing with the state attorneys office for fraud as well the FTC if not immediately removed and deleted.
On XX/XX/2018, I received a PRE-APPROVED application for an XXXX XXXX card through XXXX. I carefully read through ALL information before submitting my application. I did not find any mention of a hard credit inquiry that would be placed on my experian credit file. Several times it was mentioned that I was XXXX. My credit profile had already been PRE-SCREENED. I was completely shocked to see a hard credit pull from XXXX. I did not authorize this inquiry, nor was I informed that it would take place.
I pay XXXX XXXX to take money from my bank account twice a month & make one monthly payment to my mortgage company, XXXX XXXX XXXX XXXX. This has been effective approximately 19 years. XXXX XXXX XXXX XXXX called today, XX/XX/XXXX, informing me they had not received the XX/XX/XXXX payment & since it was over 31 days overdue, they would be in touch with the credit bureau. Upon contacting XXXX XXXX, I was informed they had a " glitch '' but had sent a smaller payment than normal on XX/XX/XXXX. One person said the payment was " overnighted, '' a 2nd person said it was a wire transfer & a 3rd person said she could not see how it was sent, she just knows that it was. It feels to me that they are not being truthful & as I calculate they have about {$4500.00} of my money & my mortgage isn't paid, I am filing this complaint. I have also stopped this service as I don't feel I can trust them with my money. In talking with XXXX XXXX XXXX XXXX, they have not received ANY money but they will give me another day in attempting to solve this issue.
I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from XXXX without my knowledge. Please advise!
My wife purchased clo thes from   Macy 's and  we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they
I have a mortgage with Santander Bank that is close to payoff because a sizable amount of extra money is applied to the principle each month. I made my XX/XX/XXXX payment including extra principle and Santander received & deposited the checks but did not apply the payment to my account. Up until XX/XX/XXXX, my checks were received and deposited by Santander but starting in May, the merchant name changed to  XXXX XXXX. I have made several calls and was finally told by Santander Mortgage Service on XX/XX/XXXX that my XX/XX/XXXX payment has not been recorded. I've spent time with rude Collections people and nice Mortgage Service Specialists who were not able to help me other than to give me an e-mail address to send canceled check copies to. On XX/XX/XXXX, I sent check copies and a spreadsheet showing what my payments were and what my balance should be. I have received one statement dated XX/XX/XXXX, and the loan balance on that statement went up instead of down! It is now XX/XX/XXXX and there is no acknowledgement from Santander that they have the information that I sent and are working on resolving the problem.
I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.
When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.
On or about XXXX XXXX XXXX hard inquiries were deleted from my TransUnion credit report. They were placed back on my report without my knowledge or consent the next day.
On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.
On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.
I never had XXXX XXXX at the house I was living in I couldn't even get service for XXXX XXXX in the town I was living in during XXXX or XXXX. I dont know where this debt came from or who it belongs to its very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even have access to get XXXX XXXX in the town I was living in during the date issued on XX/XX/XXXX.
CommonWealth Finance removed an item from my credit report and then re reported it with a new account # and status of account. If they could n't prove the account the XXXX time a new account # is n't going to change anything.