WillisBack/dataset-financial-user-claim huggingface dataset:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
XX/XX/XXXX - Equifax reported getting 'hacked ' back in XX/XX/XXXX-XX/XX/XXXX and losing personal information for 143 million US adults. 

XX/XX/XXXX - Checked with Equifax ' " Potential Impact '' website ( https : //www.equifaxsecurity2017.comXXXX ) to see if I was affected. Upon checking, I get the message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Put a 90-day fraud alert on my credit and will now have to constantly be paranoid about anything/everything that will occur from the misuse of my personal information that Equifax was too inept to properly protect in the first place ( information I never willingly gave them in the first place ).
This is not something that can be resolved with one year fraud protection which Equifax promises using their TrustedID Premier.
XXXX/XXXX/15 I called Green Tree Servicing to ask them questions about my account when they transferred me to my account specialist who was in charge of screaming belittling me and asking me why I had not paid for my XXXX XXXX. I have an entire month to pay for it.
My credit file was pulled over 15 times by XXXX XXXX without my permission or knowledge. These inquiries had lowered my credit score by over 100 points and as a result, my credit card were canceled and closed. At that time, all my credit account were paid and on time and paid as agreed.
Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service
On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to me.
What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting Step 2 Edit this section What type of problem are you having? 
ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
Recently my FICO Score dropped significantly. XXXX XXXX referred me to XXXX and they explained that the negative data is reported by the XXXX XXXX Bank, an affiliate bank under the United Bankshares Holdings. Since our mortgage account was serviced by the XXXX bank ( bankingwithunited ) another affiliate of the United Bankshares Holdings, I think that a lack of information synchronization among the sister banks has caused the problem. Indeed, our mortgage account with the XXXX  bank was paid off in XX/XX/2016, the bank later sold our property to another mortgagor for 30 % higher price, but continued to charge our account for additional mortgages almost a year after they bought our property for the value of the balance, but did not release the loan from obligation. This all is a banking irregularity, which should not be affecting the customer. In this case, it seems the XXXX  bank got the property at the reduced price ( mortgage balance ), sold for a higher price ( made a profit ) but still wants to collect mortgages from the owner whose property was extorted. Not a respectable thing to do, but it is happening now. Maybe no, but the whole situation must be resolved. CFPB may help. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION United Bank-shares Holdings SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX OTHER INFORMATION ABOUT THIS COMPANY XXXX  bank XXXX XXXX, XXXX  Virginia XXXX XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX United States I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint
After years of attempting to modify my mortgage through XXXX, I finally made 3 trial payments of {$1900.00} as agreed and ahead of schedule on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX representing trial payments for XXXX, XXXX and XX/XX/2018. 

As I was awaiting modification documentation to sign, the servicing was transferred to Selene who agreed to honor XXXX 's modification agreement and send endorsable documentation to sign. On XX/XX/2018 the mobile notary came to my home with non-endorsable documents because Selene sent the modification documents in the name of XXXX XXXX and not my current name, XXXX XXXX. 

I immediately contacted Selene and requested both accurate documentation and a review and reconsideration of the terms - which now included a balloon payment and mortgage calculations which I was told would take 30 days. After more than 30 days of no response, I made contact with Selene on XX/XX/XXXX, which was immediately followed up with an email. Selene at that time requested a copy of my drivers license, which I provided.

Selene also indicated on XX/XX/XXXX that they could not take any payment from me at that time due to a missed XXXX payment. I explained that I was advised to await the completed modification before making my next payment, which I thought would be XXXX, but that I could make both XXXX and XXXX immediately if needed, which was rejected. Instead, I was asked to accumulate these payments and be prepared to make them all at once when the modification documentation was resubmitted which I have done. 

At the end of 30 days, XX/XX/XXXX, I was preparing to reach out to Selene on a status when I learned that Selene moved forward with the process of selling my home which now has a sell date of XX/XX/XXXX. I was told on XX/XX/XXXX that they have 30 " business days '' not counting weekends and holidays and that I have until XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by the rep for my account, Mr. XXXX, who indicated that he was going to initiate the review of terms by the investor as it had not been done yet. I asked how long it would take, he stated he didn't know. I asked if they would take actions to remove/push out the sell date/foreclosure status on the home pending their getting me endorsable documentation, he said they would not do that. 

I have email documentation showing that I have contacted Selene requesting endorsable documentation given that I have made my 3 trial payments and I have not to receive it. 

I am concerned that the mortgage company will continue to drag its feet and that I will lose my home.
I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless. 
I want to keep my house with affordable payment.
There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX  informed them yet but its been over a week.
I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.
Comment TransUnion Continues to report XXXX Account number XXXX on my credit after XXXX  and XXXX  have both deleted this from my credit after the debt could not be validated. I sent all three the same dispute at the same time along with the collection company that owns this debt to have them validate the debt which they could not constitute what meets the Federal Trade Commission guidelines of proper debt validation, so it was deleted. I ask TransUnion to send me prove of how they validated this debt when the other two could not. TransUnion never responded which puts them in violation of the FCRA section 611. TransUnion continues to report this inaccurate information on my credit and claims it has been verified but refuse to show me prove. This account needs to be deleted off my credit. All so XXXX XXXX XXXX XXXX TransUnion is reporting this account that has been bout and sold XXXX times and each time the collection company that owned the debt had to have the debt deleted because the debt was never validated. But for some reason they continue to allow this when I clearly explained to them that this was going on and it should not be allow because these companies can not validate the account they only send the same information that does not meet the XXXX gudelines. These accounts needs to be deleted from my credit.
I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in XX/XX/XXXX
Our mortgage started out with XXXX Mortgage Company in 2007, then was sold to XXXX XXXX. We have had some difficulties with our mortgage due to insurance that was added even though we had homeowners, which went to litigation. We did eventually receive funds back, but then our loan was turned over to XXXX Home Loans, now Fay Servicing. When we were with XXXX, I received notice that the city was putting a lien on our property due to non payment of our property taxes. We paid escrow payments every month, faithfully to cover our homeowners insurance and property taxes. This was not being done until I called XXXX and asked them about the issue. After our taxes were caught up, our loan was turned over to Fay Servicing. Fay informed us that our monthly house payment is going up over {$100.00} a month due to an escrow shortage. This puts our mortgage payment up significantly and will be hard to pay every month. Please, can you help us to understand what has been happening to our escrow payments that we paid every month? This is our complaint and plea for help! Thank you for your time.
In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx
NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it. 

Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.
I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.
i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. 

plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. 

my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. 

there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.
THIS COMPANY NEVER CONTACTED ME!!!! During my weekly credit score check, I noted my credit score dropped 67 points. Midwest Recovery Systems placed collection/negative account on my credit report. I've never heard of Midwest Recovery Systems. This same debt was attempted to be collected from XXXX XXXX and XXXX XXXX who ceased attempt to collect after being sent debt validation letter. I never received any call or letter from Midwest Recovery Systems. When I called, they stated they did not have any documentation to validate this debt. Stated they would reach out to original company for documentation and mail them to me once they receive them. So they violated FDCPA and have not verified this debt. I am simply named as the responsible party I was told. Representative at Midwest Recovery Systems stated this was for a visit to ER on XX/XX/XXXX. The last time I received services from a hospital was in XXXX. I was not at this facility on XX/XX/XXXX. I was at work. If I did need treatment, the facility they say I owe would be the last place I would go. I need this removed from my credit report ASAP. I have been working to repair my credit for the last five years and it was very good until this was reported without validation.
Trying to process a short sale. For over 2 months, since XXXX 2015, we have received NO status except " the file is in review ''. Now after 2 months, no response except, " Updated financials are needed ''. NOT ONCE in the last 2 months, when I have called at least every week, they need updated information. Every time I call, I can not speak with anyone who actually can make a decision since it is " in review ''. We have an offer, submitted MONTHS AGO, several Valuations done by the lender, once recently 2 weeks ago, but no response on the short sale. Help