WillisBack/dataset-financial-user-claim huggingface dataset:
Nation Star bought my mortgage loan from XXXX XXXX Bank, XXXX. 
The original term on the original loan document stated that when the LTV drops below 80 % customer can ask to remove the PMI, or it will automatically drop at 78 %. XXXX XXXX XXXX XXXX Today, Nation Star said no because their LTV value is set at 75 % for them to drop the PMI. They will continue to collect the XXXX premium for additional 5 % of the LTVXXXX XXXX I am sorry that Nation Star should have known when they purchased somebody 's contract, all the terms in the original contract prevail.
On multiple occasions I have contacted Navient requesting to get my student loans lowered and get my brother off as my co-signer. Each time I speak with someone I am told something different and that they can't do anything for me. They will not lower my student loans because they base my payment off of mine and my brothers income which is unfair. I need to know how if what their doing to me is legal, not allowing me to dismiss my brother from MY loan as a cosigner and not letting me use the programs offered for payment plans, something doesn't match up.
Navy Federal Credit Union claimed to have {$91000.00} on XX/XX/XXXX to transfer on behalf of the borrows per a settlement statement. Repeated request in compliance with NFCU billing rights, XXXX, and the Freedom of Information act for NFCU to validate that amount and where it came from have not been complied with beyond claims they never received those request. In addition is the settlement statement claims {$41000.00} transferred, as part of {$91000.00}, to XXXX XXXX XXXX. XXXX XXXX Loans was seized for fraud in XX/XX/XXXX for this exact same practice of initiating loans they could not validate the original amounts resulting in a over XXXX difference between what they claimed they had and what they actually had.
In XX/XX/XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and Trans Union. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and Trans Union is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems
I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over XXXX was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in 2009 when economy tanked and consumer was laid off for 2 years. I have paid {$2100.00} and have the money order receipts for these payments XXXX XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and XXXX and XXXX wanted to go overall of that on the phone. Barclays charged this account off but is still reporting on my credit. I called Barclays and they can not give me any information because the account was sold. XXXX and XXXX say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. XXXX and XXXX filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in 3 years
On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is XXXX
My loan was paid off by a consolidation but they keep reporting it as late on my report. I dont think it was even a federal loan but they show it as such. On the Dept Ed site it shows it was paid off in consolidation.
Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.
I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity
I have student loans through Fed Loans and I qualify for the Public Loan Forgiveness Program as well as the Income Based Repayment plan. I contacted them recently because they had my start date for paying my loans off by 3 years. I was instructed by them to refile my paperwork for both program ( listed above ). They have yet to contact me about the change to my start date. However, they have notified me that I no longer qualify for the Income Based Repayment plan because " I make too much money. '' My income is the same that it 's been for the past two years and they even admitted to me that they " improperly '' adjusted my payment over that time. But when I 've asked for paperwork showing proof of this, they have n't sent me anything. In fact, they 've implied that they are comparing an after tax gross income to a pre-tax gross income and that 's what explains my change in annual pay. Again, upon multiple requests, they 've refused to send me any documentation of this and, instead, recommended that I go into deferment until the issue is resolved.
I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. 
For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. 
I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. 
I have no answer for my letter yet. 
I need my statements in order to find some medical expenses to file my tax return.
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with Experian and XXXX reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
I faxed in several copies of my XXXX orders and a written statement to any/all fax numbers I could find, and sent letters to addresses listen on Navient 's website requesting that they retroactively apply the 6 % interest against my account according to the Service Members Civil Relief Act, which they along with XXXX XXXX ( the original lender ) stated that student loans do NOT fall under SCRA protection. I never got a response back in any form. There should have at least been a check issued because the accounts were paid in full at a higher interest rate than the SCRA limit. 

Also, after learning Navient was now servicing my accounts, XXXX XXXX never gave me notifcation of any new account information, just a simple webpage that stated they no longer service the account. Navient states that I do not have an account with them at all. XXXX XXXX was the servicing lender when the accounts were paid in full, now I no longer have a history that they were automatically keeping a history on.
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Mortgage account number : XXXX Client : XXXX with Wells Fargo. 
1. In late XX/XX/XXXX I received an escrow refund check from Wells Fargo for several thousands of dollars. ( I am away from home and do not have the figures ). 
2. In early XX/XX/XXXX Wells Fargo paid taxes and was short for the amount of {$3700.00} 3. In XX/XX/XXXX Wells Fargo advised me that I owed them close to 7000 dollars to help catch up on the shortage. *I believe that amount should be around XXXX dollars and am willing to pay that today. 
4. Wells Fargo has given me two options to address my account shortage. One is to increase my monthly payments to XXXX dollars from XXXX dollars. The other is to pay XXXX dollars and have my monthly payments increased to XXXX dollars. 

My complaint is that every year this will repeat itself if the wells fargo continues to follow its policy of returning escrow to me at the end of the year rather than wait a month and pay the taxes due. 

This will over the years increase the amount of excrow that wells fargo has on hand without paying me any interest and at the same time reduce the amount that I might have available to pay down the loan. 

I have spoken to them via phone and by email but they keep sending me statements and trying to explain that their policy prevents them keeping the money required to pay the upcoming taxes. 

In addition, because I questioned the options, the following was added to the email response that I received on the XX/XX/XXXX for the first time. 

" Mortgage Online Customer Service Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that, as your account servicer, we are attempting to collect a debt, and any information obtained will be used for that purpose. However, if you have received a discharge from bankruptcy, and the account was not reaffirmed in the bankruptcy case, Wells Fargo Bank, N.A. will only exercise its rights against the property and is not attempting any act to collect the discharged debt from you personally. 

With respect to those accounts secured by property located in the State of California, the state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX  or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. '' I contacted FTC but the dropdowns did not provide options to address this situation and so directed me to your site.
I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.
I 've sent debt validation requests via USPS certified return receipt and these people do n't understand that this is not mine. They refuse to cease collection activity and remove then report it back on my credit.
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from     XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so.
Urgent!!! Urgent!! 
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review. 
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income. 
Kindly confirm receipt of this request.
I signed and had notorized on XX/XX/18 loan modification papers from XXXX with new interest rate of 7.6 %, with monthly mortgage payments of {$990.00}, for 300 payments that became effective XX/XX/18 ; with signed and notorized agreement by XXXX XXXX from the company of XX/XX/18. I submitted an electronic payment of {$990.00} on XX/XX/18. I received notice that the loan had been sold to SN Servicing Corporation with payments to be sent to : SN Servicing Corporation, Payments, XXXX. XXXX XXXX, XXXX, TX XXXX. I submitted an electronic payment on XX/XX/18 of {$990.00} to that address. I would like assurance that the modification agreement I signed on XX/XX/18 is still in effect with no changes. In the notification letter from SN Servicing the address for questions is : SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX and the letter also stated the owner of the loan belongs to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, LA XXXX ; XXXX. I sent an original of this document on XX/XX/18 ; but it would not go through to the address of the owner of the loan.
I opened a new account on XX/XX/2019, after paying off a previously owed balance. Suddenly around the beginning of XX/XX/XXXX I was told by customer service that my account was on hold and to contact my branch. I contacted them and they said my account was scheduled to be closed but they had no date. I have not received any correspondence regarding this. I currently have over XXXX on hold and they will not allow me to access my money and I keep getting the the runaround. The branch says its out of their hands but customer service keeps saying I need to contact the branch. No one has helped me and they claim that there is no way to contact the department that is supposed to be closing my account. They just say I just need to wait but I need my money. It has almost been over a month and I have not had any access to my own money.
I wrote XXXX convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the " privilege '' of using these checks. I have been charged the promotional rate on XXXX check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not.
XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX. 
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!