WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.
This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.
XX/XX/XXXX, Today I spent over 3 hours on hold with Experian trying to get a live person to help me with a membership website that does not exist anymore. XXXX which is a Experian website that is no longer up and running. I was charged {$29.00} this month XX/XX/XXXX which they only refunded me back. But I was charged {$29.00} 0n XX/XX/XXXX, which their website was not working last month. I did not know they was transforming their systems to only use usaexperian.com website. I asked the rep XXXX ext..XXXX, how Experian gone charge me for a website that do not exist anymore? She told me that they was not going to refund me the additional {$29.00}. I asked why, because I could not go to this website. and if I wanted to print something from the website. I could not. I paid for all three credit reports, which Experian website only gives one, unless I pay another fee. These are totally different websites by Experian, which they are trying to keep my money for something I had no control of. They closed their website down. I just want my money back.
I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.
Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated
During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.
Company is reporting past due payment and amount is higher than amount owe. and also reporting incorrect if account is a charge off why are they still reporting past due payment.
XXXX XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$850.00} XXXX XXXX XX/XX/18 XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.
Equifax Confirmation # :XXXX Equifax has my credit file mixed with other individuals, and I have contacted them multiple times by phone, and certified letter to make them aware of this and they refuse to act. It has been more than 30 days since I made Equifax aware that my credit file was mixed with someone else 's and it remains mixed, and this mere fact is one of the many violations that Equifax continues to commit against me. There is also incorrect personal information on my credit report that I have made Equifax aware of and they refuse to remove it. I have proved Equifax a copy of all of my relevant information many times so they could correct this information. Equifax has also reinserted many items into my credit report that were previously deleted, and then they went back and improperly reinserted. I have made Equifax aware of the improper reinsertions, and they have refused to correct the improper illegal reinsertion. I have provided Equifax proof of their improper reinsertions and they have refused to act. To sum it up Equifax has taken the position that they do n't have to do anything to correct any of the issues on my credit file and they continue to defame my character by reporting incorrect/fraudulent information over the past year, and they are in violation of the law.
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The accounts that were previously deleted and reinserted are the following : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts were previously deleted after investigation and then reinserted without the required notification to the consumer. Equifax flat out ignores me when I try to bring this to their attention.
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The accounts that are on my credit file that are listed under someone else 's name and social security number are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX None of these accounts are mine and I have told Equifax many times that they had my file mixed with someone else 's and more than 30 days have passed, and nothing has happened my file continues to be mixed with someone else 's, and this is illegal and a defamation of character.
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The following personal information is incorrect on my credit file, and Equifax refuses to correct it and ignores my certified letters, and phone calls to them : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( fraudulent address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Also the name XXXX XXXX appears on my credit file and I have no idea who that is or why it is on my credit file.
I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no money.
On XX/XX/XXXX I used my card at XXXX CT to make a debit transaction at my local XXXX XXXX I received a text alert at XXXX CT that my card had been reported stolen and the card was blocked. I called in to the customer service to see why my card was blocked, I just used my card and have the card in my possession. While trying to reach a love customer agent I received another text alert at XXXX CT that {$480.00} had been transferred to an unknown person XXXX XXXX and a {$4.00} transfer fee was applied. By the time I talk to a live agent and get transferred to a supervisor I am explaining- I did not call to report my card I in fact just used it. The supervisor reverse transfer of {$180.00} and blocks any future transfer actions on my account. And expedited a new card and files a dispute. Fast forward to XX/XX/XXXX I receive notification that no error was found- I will not be credited the balance of funds {$300.00} to my account because the person who called in successfully answered the security question that is only information that I should have. Meanwhile, I reach out to a Corporate Response Team XXXX XXXX regarding the findings and he basically tells me its nothing they can do. I request to include the recorded voice conversation in the dispute and am told that they only use voice recordings to determine if the agent followed their rules. I have had my account hacked several times where someone actually created a fake card and was withdrawing money from an atm in XXXX. I DO NOT UNDERSTAND why if i still have my card in my possession, used it literally 30 minutes prior to this incident why its my fault someone stole my information. One of the customer resptesentatives said the individual called in to report the card stolen but did not request a new card and said they would call in at a later time to provide a new address. This is an active account why wouldnt i request a new card and transfer all the money to a stranger. I need answers and I need my money back the company has not done its due diligence to protect the valued cardholder the corporate response rep was a XXXX. I will never use this company again and make sure no one else I know does! They take your money charge astronomical fees to get your money back, better off opening an account with a credit union like XXXX XXXX or XXXX XXXX XXXX! Users BEWARE!! I am currently on hold to speak with a supervisor for 35 minutes and counting had the phone been answered quicker maybe all my money could have been retrieved. All the company sent in the dispute investigation was a statement saying the security question was answered so the transfer was validated. In a society that is highly technological and scammers have all ways to access peoples information. This is fraud this is not my fault and this company is wrong.
Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.
I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.
I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.
Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.
I have been harassed by Wells Fargo Bank staff named XXXX XXXX XXXX from with attached dunnest that she has mailed may 20-50 smilax dcouments and nothing afterwards. Many of the documents she sent me I had no pending compliant that she need to send me such documents. XXXX XXXX is only harassing us when she no reason to write to us when there was no pending complaint and at any time she provide more detail.as stated in the attached letter. 
On XX/XX/XXXX my loan was modified with first payment starting date on XX/XX/XXXX.

On XX/XX/XXXX I received letter regarding foreclose of my property from XXXX XXXX who was the same officer who approved loan modification. 
I received loan modification on XX/XX/XXXX and in on XX/XX/XXXX I received notice regarding foreclose. Matter of 7 days I received notice for foreclosure and its not past XX/XX/XXXX which is when first payments should start.
In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.
For the past several months, I have been getting AUTOMATICALLY locked out of my Wells Fargo Dealer Services Auto Loan account. This is despite not even attempting to log on. I have signed up for online services only ( ie paperless ), so without online access, I can not pay my loan. The scenario is as follows : I attempt to log on, it tells me I am locked out. I change my password and am given access. I view my account and log off. The following day, I receive a message from WFDS that I am again locked out ( which I am. ) These messages have been coming for several months. I have called customer service 4x and have been given various explanations, none of which make sense : " you do n't know your password, '' " you are cutting and pasting the temporary password '', " you 're not logging off properly '', etc. Each time I have called, I have been promised follow up, and have received none. 

Finally, on XXXX/XXXX/2016 I called and was connected with the Office of the President. I spoke with XXXX, employee # XXXX and explained my entire situation to him. He told me that he would call me on XXXX/XXXX/2016 to follow up, but has not. The case number is XXXX. 

I have extensive documentation ( ie 100+ emails ) supporting my claim. I am unable to pay my car loan because of this issue with WFDS. I am concerned that my credit will become adversely affected if I am not given proper access to my account. I am reporting this issue to XXXX XXXX as well. 

I am attaching multiple attachments. This is NOT an exhaustive list of all the emails that I have received from WFDS ; it is only a sampling and I began receiving these daily emails months ago. Also note that I was NOT being locked out of my account because of failed log-in attempts - these lockouts were automatic.
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, XXXX, and Experian I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
I received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?