WillisBack/dataset-financial-user-claim huggingface dataset:
We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!
I have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on my credit file
I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. 

This debt was settled years ago thru another collection agency. 
Case number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase. 
In response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 



ReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( " PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting. 





ResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
Since Credit Acceptance Corporation ( CAC ) has not enabled a change in my credit report to allow for my mortgage to go thru, my best bet is to file a Chapter XXXX Bankruptcy to clear the course of action in returns to my report which will allow for a twelve month period of no lates or dings in order to go forward in our mortgage attempt. In addition, a company such as CAC has an option to move the payments which became late to the end of the contract instead of increasing the payment from {$470.00} to {$520.00}. This ploy affects my personal budget. My Bankruptcy attorney is XXXX XXXX and he will also serve as attorney for my daughter XXXX XXXX in her Chapter XXXX filing, she as owner of the XXXX XXXX XXXXXXXX XXXX, and me as her co-signer..
Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. 
I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. 
Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.
I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement.
Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.
Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.
My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office.
I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.
I've been trying to get a copy of bank statements from XX/XX/2015, XXXX to XXXX to be exact, there is a charge from XXXX in the amount of XXXX which I need to find. This information is for a fraud claim and reimbursement of it. The statement showing the charge is needed to provide to the claim administrator. The account with TD Bank is now closed, however, I do need said statements to find this charge.
i get repeated calls from Conserve. XXXX They ask for " XXXX XXXX '' ( sp ). 
I tell them this is my phone number and I do n't know this person so please stop calling me. 
I later called the number back and stated the same to a manager " XXXX '' ( sp ). 
They asked what my name was but I refused to give it to them.
I recently called to inquire about a " fee '' that appears on my bill every month, and learned that it is a past due late fee from some previous late payment. I have been paying that fee in addition to the " amount due, '' per the instructions on the bill which clearly states " total amount due '' which includes the itemized " fee. '' In accordance with regulations the late fee portion of my bill will not be allocated any of my payment until the outstanding interest has been paid in full, and my monthly payment does not cover the interest. Therefore, every payment I have made has included a fee for the late fee that has been allocated only to the interest. When asking about this, Navient informs me I do not actually need to pay that late fee, as it will simply be added to the balance at the end of the loan. My efforts to explain to the customer advocate that the bill clearly miscommunicates this in two places as " total amount due '' each month that includes the " fee '' have been met with condescending disregard. I wrote a letter clearly detailing this concern asking for reasonable rectification, and again was told there was nothing amiss.
I received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.
My loan was sold from Indymac to Ocwen in XX/XX/XXXX. My monthly payment went from {$4100.00} to {$4100.00}. I understand impounds, and realize they adjust with insurance and prop.taxes. This year I received and increase of {$230.00} a month. That is {$2800.00} a year! When I requested an analysis of my escrow acct. I see a double charge for Home Owner insurance, XXXX in XXXX and XXXX in XXXX. I changed H.O. Ins.a as of XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX I spoke to XXXX ( Ocwen ID XXXX ). She agreed there was a need to go to loan serving to address the issue. I requested a breakdown of the account and to correct the issue. I called again XX/XX/XXXX and spoke to XXXX ( ID XXXX ) He said they did there checking and the increase stands. I have not received an satisfactory explanation or someone who can explain to me how this can be the case when my policy only went up {$620.00} for the year I called XXXX to verify, that the annual policy was {$2300.00}, from XXXX XX/XX/XXXX. I canceled the policy on XX/XX/XXXX, and received a refund of {$450.00} from XXXX. This is because Ocwen was only sending monthly payments of {$140.00} per month. Did Ocwen not credit me for the policy I paid them for? Can you help me??
There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't  informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.
Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

Thank you XXXX XXXX
I am currently in a law suit initiated by OCWEN LOAN SERVICING LLC on XXXX/XXXX/2015. I am in Discovery and am finding discrepancies in the documents filed by OCWEN as inconsistent with proper documentation. ie assignments signed and notarized by robosigners XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, Redacted copies of a Note, Mortgage and attestations under Notary in presentation of their Discovery not having correct name ... A I do not want to lose a house when a Plaintiff appears under false pretenses regardless of duplicity or ignorance. I paid the mortgage off previously with XXXX and was not acknowledged.
XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.
There are reports over 10 years that have not been deleted as of today. the Credit companies Equifax , XXXX XXXX, XXXX have not replied to my queries.
I totaled one car through Honda Financial and purchased a new car through Honda. I made my first payment for my new car. They mistakenly applied it to the totaled car. They sent me a check for over payment. I called, they stopped payment on the check and told me they would apply a credit to my new car account. It has bee 60 days and they have me a 42 day reporting late status to the credit agencies. They have acknowledged their errors but can not correct the reporting immediately. Thus, I was turned down for a refinance of a home loan because my score was affected by the drop due to their mistake. I have to refi my home immediately. I will have to file bankruptcy very soon because of medical expenses that were not billed correctly to my insurance carrier. This is causing me a hardship and a loss. They are not offering a reasonable solution to their mistake of reporting false information. The inaccuracy is causing me a hardship and the reporting is false.
I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX
I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.
Experian continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : DISMISSED Experian continues to list the dismissed bankruptcy on my credit file. Experian 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. <P/>However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. <P/>Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Experian has no right to maintain information which the government has deemed nonexistent. <P/>Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. <P/>This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Ford Credit sent information to this XXXX/customers personal financial banking institution that resulted in a halt of funds for the required agreed upon monthly payment. During this time, this customer, went to the Ford Credit website to apply payment. This customer paid according to the displayed due balance listed on Ford Credits website. This resulted in an unpaid portion of {$29.00}. Notification to this consumer of the unpaid balance did not reside, however, a 30 day late status was reported to all 3 credit bureaus. 

Previous to this experience, this writer, frequently submitted payments over the agreed to amount/balance due, so seeing a change in the amount due was not uncommon. 

This customer has written a letter, including the facts above, to Ford Credit.

Correspondence was received from Ford Credit by the writer. Ford Credit disputed this customer paying via their personal autopay financial institution. This is simply not true. 

The unpaid {$29.00} was an oversight resulting from the Ford website  reporting a balance that differentiated from the ebill. This writer has taken screenshots of the error as it has happened again following the date of the stated grevience. 

This XXXX/customer has reached out to Ford Credits customer service with no resolution.