WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a HELOC when I purchased my home and it had a 10-year interest only period followed by a 15-year repayment period that would include principle and interest. 

When I first went into repayment period in XX/XX/XXXX,  I looked at the payment and thought it was high but I trusted the bank, which is Bank of America. Then roll it forward in XX/XX/XXXX, I decided to recalculate the payment myself and learned that the remaining term is not consistent with my loan documents. My loan matures in XX/XX/XXXX,  leaving approximately 12 years to maturity. However, the bank is calculating a remaining term of 9 years because I have paid extra towards the principle. My contention is that I should have the full remaining term used to calculate the payment rather than a reduced amortization period. 

Using a shorter window for my repayment period makes my payment much higher and it has been a struggle. My payment, if calculated on the true remaining term, would be approximately {$140.00} less each month. 

So, I believe that the bank is wrong for forcing me to make a payment on a shorter period than my maturity date.
I have been trying to have this account deleted from my Equifax report XXXX XXXX XXXX XXXX as this account is passed the Staute of Limititations for reporting. Equifax continues to re-age the account. Which is false reporting.
In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.
some one open 3 credit cards in my name /.some one used cable also in my name basically used all my information And now its hard for me to prove it wasnt me.
The most recent contact was XX/XX/XXXX. 
I contacted Equifax about errors of my report. 
First that my name has the suffix XXXX Attached to it which is incorrect. I sent in documents ( birth certificate, drivers license and social security card ) and this was corrected without sending me a free updated credit report. 
Also theres a bankruptcy that I believe belongs to XXXX XXXX XXXX XXXX Which I contacted XXXX XXXX and XXXX XXXX District court about which they gave me supporting paperwork indicating that Equifax did not get the information that they are reporting from them. 
I forward these copies to Equifax in XX/XX/XXXX. Theres been no responds so I sent a XXXX XXXX   Compliance letter disputing th bankruptcy and 4 accounts with remarks : included in bankruptcy. 

I explained that items included in bankruptcy cant be reported to the credit bureaus since they were under bankruptcy, which isnt mine. 

During the time I have been disputing the above items on my credit report my report was not updated within 30 days that I was disputing these items which is a violation of the FCRA section ( 602 ) ( a ) ( b ). 

Despite proof that XXXX XXXX letter states theres a credit freeze on my account for two years Equifax claims to have verified this information with XXXX XXXX which cant be true. 

The items listed on my report with the status : included in bankruptcy should be deleted since thats a reporting violation of the bankruptcy laws and they dont belong to me. 

When I contacted the creditors they could not provide me with a contract with my signature and XXXX XXXX mentioned this account didnt belong to them which Equifax is reporting incorrectly as being delinquent XX/XX/XXXX when it was closed in XX/XX/XXXX. 

Thank you
We are a small non-profit corporation with a PayPal account. We have been unable to download any reports from our account for more than two months. 
XX/XX/18 sent an email via " contact us '' link on the company 's website ; no reply was received. XX/XX/18 had an online " chat '' with the company 's representative who said he couldn't help. 
XX/XX/18 tried contacting the company again through its " contact us '' link ; no reply. XX/XX/18 had another online " chat '' with " XXXX '' for over 30 minutes. XXXX couldn't help and toward the end of the chat, gave a website for the company 's support office. That website was not correct ; the company changed it two days prior to XX/XX/18. 
XX/XX/18 contacted via the website and received an email from XXXX at PayPal. XXXX requested a screenshot of our account report page in order to determine the problem ; it was sent to him. On XX/XX/18 received an email that the case was closed! However, we still can not download reports and can not reach a responsible person at PayPal to fix the problem.
I was financing a car with  Heritage Acceptance Corp  in    XXXX   XXXX  .The  company was taking money directly out of my checking accounts every two weeks. I paid on time and never missed a payment. The beginning of   XXXX   XXXX      one of their Acc ounts reps had called and said to me you do n't have that much longer to pay off your loan would you like to pay it off in full? I made arrangements of  two  payments to be taken out in  XXXX  that would calculate to {$850.00}. Now I did n't know me paying off the account in full would leave a derogatory remark on my credit report. I started looking at my credit report in   XXXX   XXXX   XXXX     and I had called and talked to the acco unt manager a nd explained to her that I have a remark of " Derogatory Less than settled amount '' she stated its nothing that she could do. So I decided to take action and have them to dispute this remark and they did n't within th e 30 period. Now they are in violation of the FCRA 623 ( a ) 3 and FDCPA Section ( 225 ILCS425/9.3 )   Attached is all the necessary paperwork you need to review this case. I had been calling them about this problem since   XXXX   XXXX   and nothing has been done until now. At this point they had time to work something out now I can no longer sit around and deal with this situation.
XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX.
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX.
XXXX  XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CITI Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In   XXXX   XXXX   I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Ocwen LN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Short sale was started XX/XX/18 with Ocwen. 

XX/XX/18 Borrower was approved for a loan modification. As per Ocwens request the borrower responded on XX/XX/18 with a signed letter declining the loan mod and requesting a short sale. 

Per federal guidelines, this file should have been rolled immediately into a short sale. Ocwen is refusing to do this. Instead, they are requiring a brand new complete financial package from the borrower, and they are blaming this on investor as an investor requirement. 

This is not legal. This is NOT acceptable. 

In addition, Ocwens employees in XXXX have no idea what a self-directed IRA is, and are refusing to acknowledge this as a viable option for a buyer to purchase a property. Instead they are requiring XXXX documents. We have explained several times to Ocwen that this is a self-directed IRA and not an XXXX. Ocwens employees in XXXX are still refusing to move forward without XXXX docs. 

Ocwen is allowing people in a third-world country that can not properly read, write and speak English and have NO knowledge of how transactions are handled in the United States to make decisions that are affecting their clients ( I believe our experiences with Ocwen are very similar to what thousands of Californians have experienced in the past and almost led to Ocwen being banned from doing business in this State ). This is also NOT acceptable. 

I want the federal guidelines to be adhered to and this to be immediately rolled into a short sale with no further illegal action or investor-blaming on the part of Ocwen. 

I also want to know who the investor is immediately, so that we may file a federal complaint against them as well, for allowing their servicer to commit these illegal acts. 

CC : California Attorney General XXXX XXXX
Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.
XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I talked to Chase Bank customer service, and explain to them that I did not apply for a chase credit card. The person I talked to told me on XX/XX/XXXX that he would stop the application and remove the hard inquiry from my XXXX record which he did not. Now on XX/XX/XXXX Chase got a hard inquiry of my XXXX  record after I told them that I did not apply for a chase credit. 

I need help before Chase open this card up in my name I dont mine paying the bills I make but I can not afford to pay for something someone make. 

Thank you. 

PS. Chase need to remove the hard inquiries from my credit reports like they Said would.
After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get.
This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft
On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.
i am writing in regards to some unauthorized withdrawals that had been taken out from my account in the amount of XXXX from XXXX XXXX.i have never dealt with this company i have tried to dispute the transactions with my bank capital one so that they could temporary credit me the amount.but they said they apparently found nothing wrong with those transactions
My Mortgage was transfered/sold to LoanCare ( XXXX ) sometime between XX/XX/XXXX and XX/XX/XXXX ; hard to tell due to this company 's false and illegitimate business practice! They stated my escrow account was short for beginning year XX/XX/XXXX, and increased my monthly amount for escrow. I contacted them ( XXXX ) because my required monthly escrow amount increased ; they explained that my home insurance increased. I already knew this, but wanted to speak with this company for first time after reading online reviews. In addition to my home insurance increase ; LoanCare added another immoral fee themselves. So I called to ask for explanation ; why the difference in paperwork regarding my escrow account, I was disconnected after asking to be put on hold. This is my first experience with LoanCare ; as my loan was recently sold to them. After reading the online reviews at this link " https : XXXX '' ; I ask that this company be exposed immediately! These people are playing with homeowners homes ; ultimately, their lives! Is this what the government has allowed our country to become ; it 's hard working citizens being legally robbed.
I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone.
Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.
Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.
The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

Sincerely, XXXX XXXX
I opened an account with Simple ( https : //bank.simple.com ) on or around XXXX XXXX 2016. I subsequently deposited a check for a sum of over a {$1000.00} afterwards. I was notified that it took some time for checks to clear or for accounts to be verified. I tried to use a debit card that was issued to me in XXXX on around XXXX XXXX. The card was declined. I contacted Simple and received this message " Thanks for writing in! It looks like we 're just in the process of verifying the account, so hang tight! 
We will be reaching out with any updates or new information in the form of a support message. '' I was about to use the card today ( XXXX/XXXX/16 ) but wanted to save myself the embarrassment of having the card declined again especially since Simple had not gotten back to me with an update in 3 weeks. When I spoke to a customer representative at Simple. I was told once again that they will still in the process of " verifying my account '' and that no further information could be provided even after escalation. I then requested during a subsequent call that they close my account and send me my deposited funds. The customer service rep then said that while an account is being verified that they could not initiate a closure account process. Furthermore Simple then blocked my debit card over the course of these calls. Mind you I have not been able to use the card since the account was opened.I find the behaviour of this " bank '' very suspicious. They receive customer funds and have no process in place to transparently resolve issues such as mine. I no longer wish to do business with Simple and request a prompt return of my funds deposited with them.
Shellpoint Mortgage Servicing currently service my loan I 've been trying to request the PMI cancelation since XXXX 2015 After multiple attempts they finally confirm receipt of the necessary paper work in XXXX 2015. 
I called them several times to follow up.. and even though my balance is under 80 % of the original appraisal they told me that they need to request a new appraisal that I need to pay for I agreed to that and now it has been 3 weeks I called them several times and an appraiser have not even contacted me and every time I call they tell me to wait 5 business days for resolutions and they are going to escalate etc ... but nothing is happening. please help me if you can ..thanks
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me XXXX and its slandering my good name. Please block this account from my report so I can breathe again.
In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.