WillisBack/dataset-financial-user-claim huggingface dataset:
Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX. 
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home. 

When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free. 

Because of this we had to pay XXXX in penalties to finance our new home. 

We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster. 

We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented. 

If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer. 

The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.
I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.
I have had a student loan with XXXX for about eight years. The loan was recently transferred to Firstmark Services ( servicer ). Within two months of servicing this loan, this company is already playing games. It has changed the original amortization schedule of the payment and pushed it out several years without any authorization ( or any request ) from me. There is no change whatsoever in any underlying fundamentals ( interest rate, or any other even ) of the loan. 

They are elusive in explaining me and I can not get a straight answer from them for how they could do this or how do I change it back to original schedule / payment terms.
I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.
On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. 

On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. 

I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 EQUIFAX : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, Equifax and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
I divorced in XXXX, and as part of the final divorce decree and property separation agreement, 1 of our homes ( XXXX ) became my ex-husband 's full responsibility. I remained responsible for our XXXX property. My ex-husband failed to maintain the mortgage on the XXXX property and I have been working with the mortgage company, Capital One, for years attempting to resolve this matter. My ex-husband 's failure to maintain the mortgage has affected my credit and has the potential to affect my security clearance. Because of the negative impact on my credit, I could not refinance the XXXX home and lost that home to another financial institution. I was completely overwhelmed with trying to work through issues with the divorce, the IRS due to my ex-husband 's failure to pay taxes ( which I have since resolved ) ; and the two mortgages ( XXXX & XXXX ). 

As it relates to XXXX and Capital One, I first tried to short-sale the property and received an offer on the property. Capital One failed to respond to the offer. I then requested a deed in lieu ( DIL ), when it became apparent that my ex-husband was not going to maintain the mortgage or work with the bank toward another resolution. By letter dated, XX/XX/XXXX, Capital One approved the DIL, but asked me to pay {$3000.00}. Capital One, however, subsequently closed the file on or about XX/XX/XXXX, because title was not clear, without giving me or my ex-husband the opportunity to clear title. I had been in contact with Capital One at least 4 times between XX/XX/XXXX and XX/XX/XXXX, and they failed to inform me that the title was not clear. I subsequently retained an attorney and cleared the title and requested that Capital One reopen the file. They did. Capital One then asked that we obtain home insurance on the property. Unbeknownst to me, my ex-husband allowed the mortgage insurance to lapse on the property. Nonetheless, we obtained the home insurance, as requested. 

I learned on Monday, XX/XX/XXXX, that Capital One is offering a loan modification, and not a DIL. Even though by court decree I am not responsible for this property, I have been trying to work with Capital One in good faith for years to resolve this matter. My divorce was hard enough and Capital One continues to make me re-live the stress of this situation. I have made no less than 40 calls to Capital One over the course of the last year, but Capital One continues to keep moving the mark and are not working with me in good faith to resolve this matter. I have retained 1 attorney to help with the title issues and paid another attorney for overall guidance on this issue. I am contacting CFPB, because my efforts have proven fruitless and Capital One is refusing to operate in good faith. Accordingly, I would appreciate assistance with bringing this issue to immediate closure.
I have been making payments on my student loans through Navient since XX/XX/XXXX. They informed me that since I was making payments that my taxes would not be withheld in XX/XX/XXXX. Not only is my total not going down, my taxes were withheld yet again this year, over {$2000.00}, in XX/XX/XXXX, which is what they had withheld from me last year, in XX/XX/XXXX. They are also calling my entire family trying to get money and information out of them. They are lying and not doing anything they have informed me of, taking my money and not applying my payments to get me out of default.
In XXXX 2013 I decided to pull my Credit File/Report and discovered that XXXX accessed my Credit File unlawfully under the false pretends that I was attempting to get a 30 Year Mortgage with XXXX. At no time did I complete any type of Mortgage Application with XXXX to obtain a 30 Year Mortgage or any other Mortgage Company. 
I NEVER gave XXXX verbal or written 'CONSENT ' to access my Credit File and to share my Credit { Personal } Information with ANYONE including any XXXX Parties. I contacted XXXX on 'SEVERAL ' occasions asking them for their help and requested that they provide to me the documentation that they received from XXXX that gave them the 'AUTHORITY ' to access my Credit File. XXXX refused to provide me with copies of ANY TYPE of documentation. I sent correspondence to XXXX on several occasions requesting that they respond to my inquiries in writing, which they acknowledge receipt of my correspondence and provide me with their company 's forms/documents to complete, which I did and sent back to XXXX the completed documentation/forms via Certified Mail on at least two occasions but XXXX refused to respond back to me in writing ... complete SILENCE! They refused to provide any type of documentation to me regarding the matter. 
I also contacted 'State Agencies ' that have jurisdiction over XXXX regarding this matter, but was UNSUCCESSFUL with getting anyone to successfully ADDRESS my CONCERNS regarding this matter along with the XXXX violation of my 'Constitutional Rights ' and the complete invasion of my PRIVACY, not to mention their UNLAWFUL ... and THEIR UNETHICAL behavior. 
Since InterThink is in the 'Trade of Business ' I am also ALLEGING UNFAIR TRADE PRACTICES against XXXX for unlawfully accessing my Credit File without my CONSENT and SHARING my Credit Information to another 'Trade/Business ' that I did NOT give my CONSENT!
Harrison finance employees has been calling from different numbers and does not leave a message saying what company they represent or what the call pertains to.. they simply leave messages stating a name only when calling my phone. It has gotten to the point where they called my job everyday 3x a day as well as family members who I never listed as a reference. I am starting to believe they are looking up my family in the cities directory because they have even started calling my wife 's family and we just got married a month ago and I received this loan almost a year ago. 
I have sent in partial payments and the company states that they will not except anything but full payments. I have asked numerous of times for them to simply stop calling but now its has lead to full time harassment.
Portfolio Recovery Associates/Services ( goes by either name ) has been illegally re-aging a collections account on all three of my credit reports ( XXXX, XXXX, and XXXX ). Although I dispute the validity of the underlying debt ( related to an old incident of identity theft ), I note that the underlying account 's date of first delinquency was some time between XXXX - XXXX, and therefore rapidly approaching the point at which it would be removed from my credit reports regardless of its validity. 

Portfolio Recovery has re-aged this account to reflect it as having opened in XXXX, thereby extending the credit reporting time limit by 3 - 4 years -- effectively doubling the legally allowed credit reporting time limit. I have repeatedly requested that Portfolio Recovery rectify this matter to no avail ; Portfolio Recovery has ignored my requests and continues to fraudulently misrepresent my account information. 

IN ADDITION, Portfolio Recovery represents this account as an " open '' installment account. This is patently untrue. It is a severely aged charge-off that Portfolio Recovery purchased the rights to. 

Portfolio Recovery is grossly non-responsive to requests to remediate the matter and is only reachable when they are harassing myself or family members and associates in aggressively attempting to collect on this alleged debt.
Company identifying themselves as American Express is attempting to collecting on debt well past the statute in California. 

Number is XXXX ( everyone spoke with an accent, suspect the call was from XXXX, and the are using local relay lines ), and it attempting to collect on a card ( ending in XXXX ) that was discharged in XXXX. 

Number called me on XX/XX/XXXX. I called back on XX/XX/XXXX. I explained that this is time barred debt, and not to contact me any further regarding this.
About a week ago I opened an account online with SunTrust. I was approved and given my checking account number and savings number and told to make a deposit. I made a deposit with the intention on paying some bills and the branch employee took my cash and there was no issue. Yesterday I go to withdraw {$50.00} and right in branch I was told my account was closed and they didn't have to give a reason. My auto pay was set up for that account and as a result I occured returned check fees because I was never told how or why they closed the account and if there was a problem why approve it in the first place. This account messed up my bills and caused me a lot of late fees and check return fee because it was closed without my knowledge. This account even appeared on my credit report as a NEW OPENED ACCOUNT. But SunTrust wasn't the company I was told about. They did not take care of me and I will be telling everyone on my blog and my website and everyone business owner in my XXXX XXXX XXXX not to bank with this company!
They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details
Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so.
I refinanced my student loans wit h SoFi. I ha d multiple federal and private loans, so  the ultimate goal wa s to consolidate all of them and save money, of course. SoFi puts out a lot of advertisement on how they can save people so much money with their student loans, and that is why I chose them. They only go up to a 20 year plan, and my loan is over  XXXX . Currently, my payments are around {$750.00} a month. I am  only one yea r out of graduating college and have a good job and have even been promoted twice, but I still am struggling mightily with these loans. You would be hard pressed to find someone 1 year out of college that would not be struggling to cover {$750.00} a month just for student loans. The student loan payment is more than my car payment plus rent combined. I have called them multiple times to ask what they can do to help me lower my payments because I am currently not saving any money, which was the whole point of doing this. Almost every other company can offer things like income-based payments or a longer term deal. Either way, I need a better payment structure ; every time I call them to ask what they can do to help they always tell me that there is nothing they can do. The y give one o ption which is to switch to a fixed rate. Well, that makes no sense because the current fixed rate is around 8 %. My current variable rate is around 5.5 %. Being on a variable rate can be very dangerous, especially for someone in my situation, but it is the only way I can possibly make any of these payments. The only other thing they mention besides switching to a fixed rate is to call  XXXX , who is actually servicing the loan. If I call  XXXX , they tell me to call SoFi. They just send you back and forth, and that is not a good look. I always ask them if they can push my term out t o 25 or   30 years, because that will definitely lower my payments. It would also be a GREAT business decision on their part, because they can make even more money off of interest from me over a 30 year span. To me, I understand that I a spending more money on interest, but that gives me more money to invest now, and also will allow me to breathe with lower payments. However, they always say that there is nothing they can do to help me. Plain and simple, I need a better payment structure. They are making money off of me no matter what, so there should not be any problem with switching up the payment structure. My current plan has a balance of around  XXXX  and has a projection of me spending a total of  XXXX  including interest over the life of the loan. That shows that they are going to be making a lot of money off of me. Surely they can do something to help me out given that I am helping them make so much money. Right now, they are doing nothing to help me out.
I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!!
On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.
Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-XX/XX/XXXX.
The company continues to harass me about debts I have paid to the companies about enhanced recovery company does n't have a bond to collect a debt in the state of Texas. I would like this removed from my credit reports.
XXXX and Equifax failed to verify the accuracy of the account XXXX XXXX XXXX  .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
We have a very low interest rate. Our mortgage company is changing our rate when we have a fixed rate. They are telling us we are behind in payments and we owe money when we are not. Every 6 months they tell us that we owe XXXX dollars and threaten to foreclose. We have thousands of dollars left in escrow and it just seems to disappear. We have hired lawyers before and they settle with our house company and say we are caught up, and we end up having to pay XXXX dollars for our lawyer. 6 months later they start doing the same thing again. At this point we are seeking any help on the unfair practice that they are giving us. They are just trying to get us out of our mortgage because of our low interest rate. The reason they had to take such a low interest rate was because we were part of the XXXX ordeal, when they went out of business. We would appreciate any help you could give us.
Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.
I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.
Since XXXX/17, Diversified Consultants , Inc has been calling my cell phone multiple times each day without leaving a message. I have no debts, current or past due, with any company they represent.