WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan servicing was sold from XXXX to XXXX. I contacted XXXX to ask if this would require any of my Auto-Pay information to be changed or confirmed. They informed me that there was no need to change anything as all of the Auto-Pay information was coming over from XXXX and payments with XXXX would continue as normal. I 'm paying more than the minimum in order to pay down the loan faster and reduce how much interest I 'll be paying. 

The first payment went through at the correct amount, but the second payment did not. The second payment was reduced, without my knowledge or consent, to an amount over {$50.00} less than my previous payment. Furthermore, my interest rate of the loan mysteriously went from ( an already ridiculous within this market ) 6.55 % to 6.8 %! I 've written to XXXX and have not received any response. This increase in interest ( which has potential to be fraudulent ) as well as their decision, without my permission, to decrease my monthly payments via AutoPay will greatly increase the interest that they 'll collect.
Nationstar assumed servicing of a loan that was cancelled with a XXXX from XXXX, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from Nationstar attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from XXXX for this debt, acting as a substitute trustee, holding a lien.
To whom it may concern, I would like to escalate a matter that could be perceived as mortgage fraud by Shellpoint Mortgage Servicing. My property address of XXXX Florida was considered a Federal Disaster Area. I applied for a Forbearance Plan in XX/XX/XXXX with my previous servicing company XXXX XXXX Loans. The plan was accepted and put into action effective for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage payments. I have attached a copy of the modification documents in this email. 

Trial Modification Dates I was placed into a trial modification ( see attached modification documents by XXXX XXXX Loans ), and was told to make on time payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. You will see my attached payment history from XXXX XXXX Loans showing all payments were made on-time except the payment history excluded a payment I made on XX/XX/XXXX. You will see attached to this email proof of payment and XXXX XXXX Bank Statement proving that I made a payment on XX/XX/XXXX. 

Change in Service Company My loan was purchased by Shellpoint Mortgage Servicing from XXXX XXXX Loans in the middle of my modification. 

Credit Report Inaccuracies My credit is showing rolling 90 day late payments that must be removed. Florida Law states skipping a mortgage payment during a Federal Disaster Area Forbearance plan cant affect your credit. This situation has damaged my credit report badly. 

Consumer Financial Protection Bureau I am submitting my complaint for this matter to Shellpoint and this agency in hopes of an immediate resolution. I expect that my loan will be modified with my payments being added to the end of the loan, and I want my credit report cleaned up as well. 

You may respond by phone or email. I have left XXXX XXXX ( Rep for Shell Point ) several messages and written many emails, but she has refused to reply to me. My next course of action is a law suit for mortgage fraud and inaccurate credit reporting. I have provided all the evidence you should require to clear up this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX
A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED
My loan was paid in full XXXX I have a letter from the company and a certified check to prove that, I went to the county clerks office XXXX and was told they have not submitted anything they are still listed as a lien holder. I contacted the company they told me there was an error on the paperwork and it was sent back and they would send it to another department to work on it ..i told them if what they were saying was true then why does the clerks office have no record of it and why have they not attempted to contact me, she didn't know and could not tell me what the error was. I told her it's been almost 4 and a half months and they have not removed their name off my deed I should not have to wait for someone to maybe get to it this is well over a 90 day time frame.
I have notified Experian that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Experian have not removed these accounts and inquiries within the last 16 months from my credit file. The Bankruptcy information that is reporting on my credit file - XXXX ... is not mine.
Bank of America is guilty of unfair banking practices. This dates back to XX/XX/2012. In XX/XX/2012, I reached out to Bank of America for assistance with my ARM mortgage. I requested a refinance, however I received a short sale package at my door, this was not authorized or requested. My mortgage account is and has always been current. I did not qualify for hardship assistance as I was not having a hardship. However, in the very very difficult process of stopping the short sale process and making it clear I requested a refinance, I was told to just wait as I was included in a Department of Justice Settlement and would receive something in the mail. I was told this repeatedly as months would pass and I would call to check on the status. Over time I witnessed a few handfuls of BOA EMPLOYEES received these " DOJ Packages '' that I was told I would also receive. To date I have received NOTHING. In the mean time, I started reaching out to BOA for a refinance, every year. I have been told over and over, you are just under water we don't have options. I am the unfortunate homeowner that does not have a government loan and the home is still under water. I need help! I have an adjustable rate mortgage-the rate is going up, along with property taxes. I need the piece of mind that the payment will not increase any further and BOA just isn't offering me any options. I guess if I stopped paying which would ruin my credit, they would offer me help? I have questioned BOA as to why I never received this " settlement '' that they said I would, I asked to provide the notes regarding the DOJ conversations with me, I asked for documents from a previous complaint in which the DOJ Settlement was referred to and they will not produce anything. I have submitted my concerns through the XXXX and to BOA directly and receive NO response from them at all. I want answers and help coming up with a solution. Bank of America can help since they own my loan
went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help
I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.
I 'm being reported as 30 days late with my payment. I 've never been late
XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.
They would not modify my XXXX mortgage under the HAMP program even though I modified my XXXX mortgage with XXXX and made unlawful threats to me by stating they would arrest me, seize my property, garnishment of wages, and foreclosure, and used loud and abusive language, mocking my financial struggles, and yelling and cursing at me. They also added insurance to my account and told me they would not allow monthly payments and wanted the entire balance up front. The company also revealed debts to my employer, neighbors, and family members, and encouraged them to tell me to pay the debt or help them pay it.
I submitted a complaint in XXXX, received a response stating my name had been attached to the debt in error and this would be reported to the 3 agencies to be removed from my credit report. 
As of Saturday XX/XX/XXXX this is still showing on my credit report! 
This is the response I received : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX.
Experian XXXX XXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission This letter is a formal request to correct inaccurate information contained in my Credit file. I have been trying to get access to my credit file have enough trade line on my credit file to have a score I have had several paid for and always paid on time account I show no recourd found I need this corrected 1 EXPERIAN - PULLED ON : XXXX/XXXX/XXXX *** NO RECORD FOUND *** Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately : delete, update, correct ] the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit report to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
If your investigation shows the information to be accurate, I request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. 

I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. 

I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. 

I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.
I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )
Around XX/XX/2018 Equifax used another reporting agency to add a account. I was disputing a XXXX XXXX account where I submitted a XXXX credit report to reflect what the accounts should look like ( paid in full ). On that report XXXX  listed a account I was in the process of disputing XXXX. I called Equifax who states that XXXX sent over the information. I then kept on asking for the proof like some sort of contract with my signature and equifax refused to give me the proof where they got the account from. I finally called the creditor who stated any account closed for several years they wouldnt have reported on. They even wrote me a letter stating they could not find a account in my name during there search. When equifax used my XXXX report on a totally separate matter they broke the law under FCRA. I demand if they cant produce actual correspondence with creditor XXXX with a Auto loan contract to remove the closed account. Each reporting agency has there own way to collect data on a individual using something other then the creditor to verify a account is morally wrong. Again im demanding proof of the correspondence between XXXX and equifax. If nothing is found this should be removed per the FCRA. I have recently submitted a dispute but that dispute shouldnt exist. No matter what case I have for XXXX  at this time with equifax should be removed if proof cant be produced how they aquired it. Its a bit odd this account showed up when I submitted a credit report from someone else
I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX XXXXXXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
In XXXX of XXXX I filed a report with CFPB stating that the information on my Ford Motor Credit account was incorrect. Ford resolved the issue saying that no delinquencies should be shown on my account from XXXX through XXXX XXXX. However, in XXXX of XXXX a late payment of 30 days for the month of XXXX of XXXX was posted back to my account with Ford Motor Credit. This is all in case XXXX of mine with the CFPB
In XXXX XXXX, I bought appliances at a store named XXXX 's Appliance in northern New Jersey. The appliances cost a couple thousand dollars, so the store said it could issue me credit, with no-interest for the first year. Sounded great, so I took them up on it. 

Turns out, I was applying for credit with Wells Fargo. 

We needed to wait for a renovation to be done before we could accept delivery on the items, which was n't until about XXXX XXXX. We were told we were n't going to be billed until the delivery was made. 

After the delivery, we kept waiting for bills to show up. Finally, we realized something with a return address of " XXXX XXXX XXXX '' is actually the Wells Fargo bill for our appliances from XXXX 's Appliance. 

So, my first payment for my new appliances was late. When I called to explain the issue and ask if I could set up automatic payments, the customer service rep was clueless and told me to talk to my bank where I have my checking account ( XXXX  XXXX XXXX ). 

By then, I 'd run out of patience and was aggravated at realizing the time I spent dealing with this XXXX XXXX 's Appliance crap was time I 'd never get back. The next bill came in, I caught it and it was paid. 

But then XXXX rolled around, and the bill got lost in the shuffle when my husband did n't recognize XXXX XXXX as an actual bill. So now, the payment is 5 days late. And a $ 60 monthly payment was hit with a {$38.00} Late Fee. 

I called the customer service number on the bill to figure out how to set up monthly payments, since the Wells Fargo website is so confusing. The first rep could n't help me, so he transferred me to a second rep. She proceeded to speed-talk over me and denied my accusation that using mail with a return address from " XXXX XXXX XXXX '' is an attempt to evade consumers and then hit them with late fees. She then said she was going to " transfer me to another department '' -- at which point I asked for her customer service ID number. But she just " transferred me '' and I was disconnected. 

By the way, I have an excellent credit rating -- 782, to be exact. I 'm not a slouch when it comes to paying my bills. But this? This is another attempt by a national bank to XXXX the little guy. When is Wells Fargo going to stop acting like the local loan shark when it comes to service for customers? I 'm disgusted that I even signed up for this " loan, '' because I could have just charged the whole thing to my XXXX XXXX and managed my payments easily and effectively. 

So, I want to report the Wells Fargo practice of using third party " marketing '' groups to handle billing, especially when it is NOT clear that the mailing is, in fact, a bill. Also, I want to file a complaint regarding the service rep 's assertion that Wells Fargo did n't issue the mailing, when on the bill itself, it says " XXXX XXXX XXXX, Issued by Wells Fargo XXXX XXXX XXXX. '' And all the contact information is for Wells Fargo : www.Wellsfargo.com/cardholders ; customer service - XXXX. 

It 's time Wells Fargo is held accountable for its sleazy, underhanded operating practices.
Hello, my name is XXXX XXXX. I just opened my XXXX account yesterdayXX/XX/XXXX. My account was verified through jp Morgan Chase and now my XXXX XXXX account States that my bank is not participating. I just request to cash out {$40.00} onXX/XX/XXXX. Now I wish to know where will my money go and how can I rectify this situation asap. Thank you
Over the past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.