WillisBack/dataset-financial-user-claim huggingface dataset:
I've reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about getting information regarding the origin of my loan. My daughter graduated in XX/XX/XXXXand the loan seems to be from XX/XX/XXXX ( disbursement date ). When I ask about the original issuer of the loan and the original balance of the loan I do not get an answer. I feel like this loan is inaccurate and I possibly should not be paying this loan if information can not be given to me to verify that it is correct.
Today ( Wednesday, XX/XX/2018 ) I received a call from this company stating that I have been reported because of my " bad credit '' and a " unpaid debt ''. They asked me a couple of questions and even tried to get some personal information but since I was not completely sure about their reliability, I did not give much information. I search in the internet for this company but there's nothing well described. They said " they were going to reach me out again after performing a more deep investigation ''. The number is XXXX
On XXXX XXXX I closed on a FHA loan originated by OVM Financial. However, I qualify for a VA Loan. XXXX XXXX completed the application and also XXXX XXXX. The response was very defensive and removed from ownership of the error. As a result I contacted XXXX XXXX of OVM and shared that the military question was incomplete on the app. Now it 's going into XXXX and still not resolved. I finally received an offer that takes me from my current loan balance of {$300000.00} to {$320000.00}. I 'm currently in a FHA with a life time MIP which is an additional {$210.00} for the life of the loan. I served my country and earned the privilege to utilize VA Loan. I 'm XXXX and in the home that I consider my final purchase. I even pulled from my retirement to put down {$12000.00}. I feel like I 'm getting the run around and seeking help.
There is no reporting for XXXX, XXXX and XXXX for my Capitol One card ending in XXXX.
I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood.
On XX/XX/XXXX, I sent a certified letter asking for Validation of this supposed debt in my name bearing my signature. On XX/XX/XXXX, they sent a statement saying they " verified '' sending a statement from XX/XX/XXXX with my name on it, not what I asked for. On XX/XX/XXXX, I sent another certified letter asking them to provide proof with a document bearing my signature for this account. On XX/XX/XXXX, I received the same exact letter as the one on XX/XX/XXXX, once again nothing bearing my signature which is proof that this debt is valid. This debt needs to be removed from all XXXX Credit Reporting Agencies, as they have not provided the proof that this debt belongs to me and are in fact breaking the law.
I have an outstanding CC balance with XXXX XXXX that has been entered into a debt settlement program with XXXX XXXX XXXX. XXXX XXXX has turned this debt over to Portfolio Recovery who has been calling my phone at least 5 times a week over the past 3 months, usually during the week and sometimes on the weekend, but has yet to leave a voicemail. I know it's them because the debt amount to XXXX XXXX has shown up on my credit report with their name. EVERY TIME THEY CALL IT'S FROM A DIFFERENT NUMBER!!! I'm not going to answer phone numbers I don't know, especially not while I'm at work, but I consider this harassment because they NEVER leave a message. If calling me is so important to them, then why no message? This is absurd and I want it to stop!
I disputed the validity of a Bankruptcy that is being reported on my credit report. I contacted Experian and advised them that there was a Bankruptcy on my report that was not mine so i asked them to remove it, They sent me back a notice that the account was mine and that they validated it. I then asked them to provide to me the name of the person and the process that they used to verify this account in accordance with FCRA 609 and they have not provided me with this information i then requested that they reinvestigate the account and i provided them with the copy of the letter from the U.S Bankruptcy court in XXXX MD. that states that they do not provide information to the Credit Bureaus and i explained to them that they were in violation of FCRA 609 and FCRA 15. I received a letter from them stating that unless i had new evidence in regards to this dispute that they were not going to reinvestigate which is also a FCRA violation, I have been hung up on by the XXXX representatives and the XXXX and also been told that they are not in Violation of any FCRA rules. a search by a third party is not a validation of accuracy anyone can logon to the public website and put in a name or docket # and get the inaccurately reported information. I plan on filing a small claims court case against Experian for defamation and inappropriate reporting if they do n't remove this bankruptcy immediately. i am asking for them to remove a bankruptcy that has no money attached to it and not associated with any account of mine.
This is a continuation of complaint XXXX, as I believe it was closed in error. 

FedLoans had my complaint closed because they said I was involved in " pending litigation '' regarding my student loans. We filed for Chapter XXXX bankruptcy on XXXX XXXX, and received a discharge, but there was no other litigation involved and the student loans were not discharged. 

About two weeks ago, after I received your notice that my complaint was closed, I started emailing FedLoans daily to ask for status on my Income-Based Repayment application, which was also filed in XXXX and was never processed or responded to. After several days of emails in which my account was still listed as on hold, they told me " You are in bankruptcy, we are not going to process your application. '' I got a bill this week ( in a letter dated XXXX XXXX ) that said my account payment was two days past due ( XXXX XXXX ), still for the {$1100.00} payment amount. 

I have been trying to get resolution on this issue for EIGHT MONTHS now, and it was the main reason my husband and I had to file for bankruptcy in the first place. FedLoans should have adjusted our payment amount to match the IBR, and they still have n't, and now they ended my forbearance and apparently retroactively started making payments due? ENOUGH IS ENOUGH!
I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX
Dear Sir, My self XXXX XXXX, using XXXX Credit Card since 2007. I observed in last month that company has practice to charge interest on due amount without adjusting partial payment made on or before due date. On asking clarification on this they told that until unless full amount is not paid interest shall be charged without adjusting any partial payment. 
Kindly look into that matter and justify why the partial payment should not be adjusted in principal amount for calculating interest.
I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts.
Our current mortgage ( XXXX ) was sold to servicer, Nationstar. Nationstar sent us an inquiry as to a refinance. I called back and we began process of a refinance. Rate at 3.875 for 240 months, consolidating what we owed on house ( XXXX ) plus a 2nd ( XXXX ). Home appraisal was XXXX. Despite reaching out to lender numerous times, very little information was given, except to be finally be told that our 2016 tax returns indicated we could n't afford obligations. We have not even done our 2016 returns as we file extensions each year. My credit rating was XXXX and my husbands 's was XXXX. We have no automobile payments ( paid in full ), no late payments on any accounts, don credit card debt ( pay it off monthly ) and have XXXX sitting in our checking account alone and savings in other accounts as well. After contacting Nationstar about their lack of communication on how the loan process was going, I was given a non committal answer and then received a credit denial letter in mail 10 days later. Primary reasons according to letter were : Exessive obligations in relation to income. I have ZERO debt. NOTHING, excluding mortgage and I work full time. Reasons for denying my husband were that balance to limit on bank or rev accounts to high. He owes XXXX on one account. Nationstar then said we owed on another property and that was a problem. WE SOLD that property six months ago. I feel that Nationstar is operating only to grant loans to high risk/high interest rate customers-SUB PRIME. There is NO way we should have been denied this refinance based on our income and what we owed on property and credit.
I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  XXXX .
I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.
I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in XXXX confirmed they are all paid.
I was refused a free annual copy of my credit report from Equifax. 

I was denied a mortgage loan from XXXX and XXXX XXXX XXXX.
Fifth Third Bank bought my mortgage from XXXX XXXX  last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''
I have both private and federal loans with Navient. I went to the University XXXX in XXXX, CT. The last time I was in contact with Navient, they asked if I agreed to an autodialer contacting me if/when necessary. I said yes. They have been abusing this and just within the past 72 hours have called my cell phone over 10 times ; 5 of the times within an 8 hour period. The have also called me on the weekends ( both Saturday and Sunday ) after XXXX. Just because I agreed to letting them call me does not mean they should be able to abuse the system like this. I also do not make enough income to be able to pay the amount they were asking. They were very difficult to work with on this and said that the Rate Reduction Program is a " step '' program where every time I renew it the $ $ amount increases. 

Thank you for your time!
On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX
I got turned down for credit on a car loan. I went to the free credit report website the only one that would give me the report was XXXX. The other XXXX site had " Technical Problems '', which required me to request a copy via mail, unless I paid them {$29.00}. When I went to pay them XXXX, their systems do not let you buy it, they make you buy a " subscription for XXXX per month. This is Transunion and XXXX. They are scams and need to be shut down.
DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.
Equifax mishandled my information, which has led to a breach that puts me and millions of others at risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no E-mail, letter, or phone call, and instead had to discover it via social media.
There is a Bankruptcy that appears on my credit report that should not be associated with my social security number. I 've been disputing this with all XXXX bureaus, and XXXX and XXXX accepted the paperwork from the bankruptcy court that confirms for my social security number there is no record of a bankruptcy going back to 1992. When providing that to Equifax they are advising me the courts confirmed the bankruptcy is mines, however, they have no paperwork confirming this. I have reached the end of my rope with Equifax and am now looking for additional assistance.
I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, XXXX
I have a private student loan with Naviant, which was with XXXX prior. I have had many discussions with them in the past and just recently, that I can not afford by monthly payment of {$130.00} per month on a loan amount of {$9600.00}, with 7 % interest. I was told even if I refinanced with them to 1 %, it would n't bring my payment down to {$50.00} to qualify for a new payment plan. So, I did n't qualify for a lower amount. Navient does n't work their clients, they gave me me no options, and told me to pay it or default and they will garnish my wages. My father is a co-signor on this loan, he is in his XXXX, he wo n't be paying this if I default on it. So, I am stuck and ca n't afford to pay it.