WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home.
I closed my account with Navient and I told Navient to cease contacting me because I was threatened by several of their customer service agents. Navient keeps telling me that they are putting in police reports against me about things that never happened. Navient contacts me everyday with frivolous matters or Navient calls me and threatens to send the police after me for not paying my debts. They keep calling, emailing and mailing me letters even though I asked Navient to cease and desist contacting me. A woman named XXXX XXXX and XXXX XXXX keep contacting me everyday. ( XXXX and XXXX also lied and said they were from the US DEPT OF ED but they are from Navient ) Navient is unfairly harassing me at this point. I closed my loans with them and my loans are being serviced through a new provider due to Navient threatening and harassing me. I want the unwanted harassment to stop. My account is closed with Navient, they have no reason to contact me everyday.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
My mortgage company Ditech has denied me access to government homeowner assistance programs that could help me save my home and have scheduled a foreclosure sale date for XXXX XXXX, XXXX. I started a new job as a XXXX  XXXX with the state of New Jersey a year ago and have been trying to get Ditech to consider me for homeowner assistance options due to a prior delinquency. I was told by their agent over the phone that I qualified. Then I sent in my paperwork and it is repeatedly lost or misplaced and I am transferred from department to department and the assigned account manager keeps getting changed. It has been close to a year and Ditech has failed to actually conduct a review of my current and correct financial information. Instead they have scheduled a foreclosure sale date even though they did not offer me mediation as required by the state of New Jersey. It is obvious that Ditech believes the rules do not apply to them. 

I proudly served in the XXXX XXXX for 21 years and have owned my home in XXXX for 20 years. Once out of the military I worked as a XXXX XXXX XXXX for several years. My hours were cut and I was struggling financially and applied for and was approved for a loan modification. I began making the trial payments on the modification and then got laid off. I scrambled to make my payments but ended up defaulting on the modification. I then went through a rough period where I could not find full time workI collected XXXX and worked part time for XXXX XXXX and I fell further behind on my mortgage. About one year ago I was hired by the state of New Jersey as a XXXX XXXX. I began reaching out to Ditech right after I started, because I was back in a position where I could afford a fair and reasonable mortgage payment. I contacted their office to try and get a review opened of my financial information so that I can fix the delinquent payments, but have been met by obstacles and roadblocks. I was initially told that based on my financial information that I qualified for a modification but then I would send in the paperwork and Ditech would go dark. As mentioned I have been given the runaround by their agents, who transfer me from department to department, lose my paperwork and they constantly reassign account managers. I have never been able to get reviewed. 

I occupy my home with my wife and son and grandson. I fell on hard times due to job loss but have gotten everything back on track and just need Ditech to work with me so that I can save my home. I dont know what I would do if I lost my home. I am not able to reinstate the loan, I need Ditech to stop this sale date and work with me towards a solution.
In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available
On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning.
This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.
I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.
I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.
I called last week to see if I could lower my payment. I work for a non-profit, will be eligible for PSLF in a couple of years and am paying monthly payments for my oldest in college. I was told when my student loans transferred to Navient, I would be put in the plan with the lowest monthly payment, since I qualify for IDR. 

The rep immediately told me, I was in the best IDR for me and my only option was forbearance. I informed her per StudentLoans.gov, I was eligible for several payment plans with lower monthly payments. She immediately told me I was eligible for said plan and I could lower my payment by {$200.00} a month. 

She then told me how to request this change. I submitted the paperwork on the same day. Today, I get communication I will be moved into a standard repayment plan and that my IDR Recertification can not be processed as it is too early. 

So I call, again, and am told I have to pay the {$5.00} processing fee to have my IDR plan changed. I asked the rep if I missed something in the online process to pay this fee. No, I have to call into do it even though I agreed to the fee online. 

It is evident Navient is not working in the best interest of borrowers like me. 

I have struggled to pay my student loans for years and am committed to doing so, but I do not have a partner in my loan provider who will support my success. These are shameful and predatory business practices. Navient should correct my last 5+ years of payments to the lowest amount I should have paid in the IDR and apply the difference to my principal. Or advance my payments so I am eligible for PSLF sooner.
I Need to file a complaint on Equifax 8 times I have asked them to investigate credit inquires on my Equifax credit report they have refused to investigate the items listed below. they asked me to contact the companies below I did so and they failed to respond back to me Per the FCRA Equifax has 30 days to investigate if this issue is not resolved by Equifax I will file a lawsuit 
  XXXX   XXXX   XXXX   DATE   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  
IF YOU ARE UNABLE TO PROVIDE THE INFO THAT I'm asking for please remove these authorize inquires   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   
  XXXX   MN  XXXX 
 XX/XX/XXXX 
Social Security #  XXXX 

Equifax   XXXX   XXXX   XXXX    
Dear Credit Bureau Representative:

	I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is (1) a firm offer of credit, (2) insurance, (3) an application for employment, or (4) a court order.

	The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

1.
I have XXXX different accounts with citizens bank. I rented a car in enterprise and they took XXXX separate amounts on XX/XX/XXXX and XX/XX/XXXX so I could n't transfer the money to cover my gas and electric bill so I got charged the overdraft fee on XXXX of my accounts. I called citizens and explained the situation and at the time it was only showing XXXX overdraft fee which they reversed but later on that day the other fees came in but they refuse to reverse the fee? XXXX returned the money they was n't supposed to take out but now I am stuck with the over draft fees.
Vehicle was totaled, declared a total loss on XXXX XXXX, 2016. WFDS/WDS has reported to the credit bureaus a 30 day late pay to all XXXX credit bureaus for either XXXX or XXXX, I am unclear on the exact. However I was told not to make payment as the car was a total loss XXXX XXXX. Attached is the letter from my insurance company via my lawyer.
According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
We had a home that we were behind on payments. We were trying to sell it and we continued to fall behind on our payments. We eventually found a buyer for our house and during this whole time we kept in touch with Ditech on the situation. We were told that we are okay to sell our home, that it is not in foreclosure and we do not need a short sale. So prior to our settlement to sell our home we were issued a payoff from Ditech ( they issued XXXX different payoffs within a week of each of them but the XXXX one we were told was correct and that we can proceed to settlement ). This payoff had tons of late fees, and charges and lawyer fees and we just decided to move forward with selling it. We went to settlement, sold the house, signed all the documents and the Deed to the property. The money was wired to Ditech to pay off the mortgage. The Title Company even cushioned the wire with several days of interest. So 7 weeks later, instead of us receiving the additional cushioned interest back to us. Ditech wires back the money to the Title Company. The Title Company ( and all mortgage professionals that i have contacted ) have never heard of something like this happening and tried to contact Ditech to find out why they sent the money back. Ditech would not talk to them so the Title Company called us to help them get information on what was going on. We spent hours on the phone to find out that Ditech had an error on the Payoff and did n't add on {$12000.00} of supposed Attorney fees. When we asked for an itemization of the Lawyer fees, they issued a new payoff with NO lawyer fees and other misc charges that they decided to charge us, plus they added a year of Homeowners Insurance that is not needed on the property that they want us to pay. This is scandolous! First, they kept the money for over 7 weeks!! The people are moved in and making Mortgage payments on their new house that they think they own it. Second, Ditech stated that the additional money that we owed was due to Attorney fees but after requesting for an itemization of those attorney fees they called the fees something else entirely. Their only claim was that Ditech 's Payoffs are not definite and they have the right to change their minds on what money is owed at any time!!!! Please help!!!
On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.
Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.
I filed a complaint # XXXX previously and the complaint was closed because Continental Collection Agency lied and said my insurance company was billed and they denied the service stating I was responsible for the amount owed, and the complaint was a dispute of debt and not appropriate for CFPB. I maintained from the start I did not owe the debt, my insurance was never billed, and this was a mistake on someone's part. I received a copy of the denial from the insurance company and plain as day it states Claim not covered by this payer. The wrong insurance company was billed by XXXX XXXX back in XX/XX/2015. I was finally after many attempts and several notices later from Continental Credit Control able to reach someone at XXXX XXXX to explain they billed the wrong insurance. Continental Credit Control refused to talk to XXXX XXXX about this to verify the debt. Once I was able to get XXXX XXXX  to respond I was pulled out of collections, my insurance was billed, and today I received a check from XXXX XXXX for {$24.00} because I was over charged for my co payment for this date of service. As I explained in one of my complaints to CFPB, I have industry experience and had been in contact with my insurance and was clear I knew what I was talking about. I was getting no cooperation or willingness to try and understand from Continental Credit Control. XXXX XXXX would not return my call. I know Continental Credit Control probably paid a flat fee for a bucket of uncollected claims from XXXX XXXX. Some valid collection cases and some not. It doesn't give them the right to lie when you ( CFPB ) send a complaint to them, or to categorize complaints incorrectly to justify them, or to try and bully people into paying money they might not owe so they can recover their investment for the debt they bought. Attached is a copy of my correct insurance card that XXXX XXXX had from the start, along with copies of all the statements I continued to receive from Continental Credit Control, the insurance denial showing the claim was denied as not covered by this payer so you can see the Continental Credit Control Rep lied in a previous complaint response stating the insurance denied the service as the patients responsibility, and a copy of my refund check once by insurance was billed correctly by XXXX XXXX. Maybe in the future complaints CFPB can require credit agencies to show proof of what they're stating in their response.
In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.
I had charged an item on my Macy 's card to get a discount. I then paid off the bill right away. A few months later I returned it never used, with the receipt. I then requested that when the credit posted to issue me a refund check. About XXXX months after I received the refund check I started getting calls from Macy 's telling me that they gave me too much money back on my refund, and that I owe them. It took so long for them to get my money back to me that I had no idea what I was owed back. I have spoken with Macy 's over XXXX times and can not get any resolution. I have most recently spoken with credit card supervisor XXXX XXXX at XXXX. She told me about a month ago that she would put research into it, and return my call. I have contacted her back and left voicemails and have not heard back from her since.