WillisBack/dataset-financial-user-claim huggingface dataset:
I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.
X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).
Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.
XXXX   XXXX , there were several unathorized transactions made on my card through online. I have recieved  XXXX  out of the collective  XXXX  dollars but i still to the date of  XXXX   XXXX     2017  have not recieved any of my paperwork to file a dispute nor have i recieved the remainder by which the company  aceelitecard.com  has failed to provide as a record. The company is constantly tellibg me that the investigation is pendind the first time i believe they told me it wou ld be 7 to 10 business days, then after calling and questioning they ended up stating it would be 30 busin ess days now as of  XXXX   XXXX ,    2017 im told its probably going to be 90 business days. This is really been a convience to me for the past 2  months and it also raises an eyebrow towards speculation that maybe over this entire period of time possibly little by little my account has been jeapordized. Could someone please help me as i  XXXX   XXXX  am fed up with the lack of customer service priorty. Thank you
Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks.
Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.
multiply homeowner specialist on my file. XXXX different specialist over the past 4 months causes document to get misplaced. Citimortgage is also requesting third party information and income verification for third party persons not on the loan with 24hour requirement to submit documents. File sitting in limbo without a specialist being assigned to the file ; causes inaction and time lapse for mortgage owner to have a fair review. Receive request for documents after deadline has passed. Homeowner specialist not communicating file needs with Homeowner after Homeowner request for manager to email specialist and ask him to forward detailed list of required documents to Homeowner. Homeowner support specialist XXXX XXXX XXXX refusing to discuss file with Homeowner on scheduled phone appointment. Stating " you will lose your home on Tuesday, be prepared for it. There is nothing I can do. There is no point discussing a closed file. You are losing your house on Tuesday XXXX. There is no point telling you what documents you need. I should have contact him sooner ''., I called to check the status of the file and being told the account has no assigned specialist. I inquired of the procedure to request a specialist on my account on XXXX/XXXX/16 and I was given the name of XXXX and updated my contact info on the file for XXXX XXXX to contact me. I called back the homeowner specialists team and was told no documents were needed because the file was under review with the underwriter XXXX/XXXX/16. XXXX XXXX stated on XXXX XXXX the file will be passed on to a new specialist the file was never passed on or assigned to a new person. I received the attached letter from citi on the evening of XXXX/XXXX/16. All were contradictory to the status of the file. I call back citi on XXXX/XXXX/16 after receiving the letters, requesting clarification on the status of the account. I spoke to Manager XXXX at CitiMortgage # XXXX on XXXX/XXXX/16 after stressing the importance of speaking to XXXX XXXX about this time sensitive issue ' because his letters were unclear and the items which he seem to request were already due on XXXX/XXXX/16 and the his letter was received on XXXX/XXXX/16. Requested a manager because XXXX XXXX was not available for telephone calls with me. XXXX said to get the new application and paperwork in and request XXXX XXXX to escalate the file to request more time. After my conversation with XXXX XXXX on XXXX/XXXX/16 I requested to speak with his manager. XXXX XXXX states he sent a request to his manager XXXX XXXX to contact me at XXXX number on file before XXXX XXXX or XXXX XXXX. No call was received from XXXX XXXX. I attempted to call XXXX XXXX twice. Upon calling at XXXX XXXX was noted as being away from his desk for 10 minutes. I was told to schedule and appointment or call back, call was disconnected in transfer to scheduling dept. I later called back on hold waiting to speak with XXXX for over XXXX hour. I finally hang up the line. 
Homeowner should also be given the option for a short sale.
There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.
I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.
My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this
They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.
XXXX University sent a letter forgiven and canceling my loan yet this is still showing with the lender as me owing the loan, I do n't understand why. I also consolidated my loans and did a income based repayment plan yet every loan shows on my credit report and this is hurting my credit, I have called and asked to have this updated and it has n't been done. I also requested a fax number or some way to send a copy of the letter from the school and I keep getting the run around stating that I still owe the loan
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, Experian, .XXXX and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
I was a new customer with Equifax - XXXX XXXX. I never recvd a bill, never recvd any mail and never even recvd a phone call. All of a sudden I get a notice in the mail from a collection agency saying I owed almost {$300.00} and my account was in collections. I am a new customer and never recvd anything. I called equifax XX/XX/2018 to try and resolve this issue. This has severely ruined my credit. I am a business owner, now Equifax has ruined my credit. I tried to reach out to them and they even confirmed they did not send mail or make any phone calls. I s/w a manager XXXX XXXX who confirmed nothing was sent. They talked down to me and could not resolve my issue. This has ruined my credit .I never even recvd a monthly statement. This is unacceptable and I do not know how this is ok or how they can even get away with this. I want some kind of resolution. The phone number I s/w them on Telephone : XXXX XXXX. My name is XXXX XXXX with XXXX XXXX, ph # XXXX.
Clearsprings Loan Servicing, Did A Loan Modification due to a personal financial hardship. I made my 6 Loan Mod payments from XXXX 2015 thru XXXX 2015. And then I continued to make on time payments. 
On XXXX of 2015 Clearsprings Loan Servicing, Transferred servicing to XXXX XXXX XXXX. They transferred the loan with a Escrow deficit of {$750.00}. The loan mod should have brought all elements of the loan current. Now, Clearsprings Loan Servicing, is doubling my escrow payment adding a financial burden to my loan payment. 
Clearsprings Loan Servicing should be is responsible for correcting their error.
Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!
XXXX and Experian are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
From XXXX to XXXX I took out loans from XXXX XXXX called student signature loans. At the time my mother was assisting me in taking loans out that were for paying for school. Unfortunately, being XXXX XXXX XXXX I trusted the entire situation without much thought. I took out several loans with high interest rates without even a cosigner at the time hoping to accomplish my degree and receive a great job XXXX. I was under the impression that the loans I was taking out from XXXX XXXX were federally backed loans not private loans. I realized that this was not the case when I graduated in XXXX. Also when I took the loans out at the age of XXXX I signed for them without fully understanding the gravity or the overall cost they would amount to. My wife and I currently pay {$1700.00} a month in student loans and now my federal loans are about to kick in as well. We will be roughly at {$2000.00} a month between XXXX us and majority of that payment is mine. I have submitted a complaint before ; however, it did not get anywhere. I am hoping to having a child and maybe even buy a home ; but, in this current state that is impossible.
Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.
I contacted Transunion disputing the following items : XXXX XXXX XXXX XXXX acct # XXXX 30 days late This account was never 30 days late but was late 21 days after the due date in XX/XX/XXXX. I sent documentation showing 21 days late. 
XXXX XXXX XXXX acct # XXXX showing wage earner plan This account was sold to XXXX XXXX on XX/XX/XXXX and was paid in full. This company is reporting inaccurate information. 
XXXX acct # XXXX not my account and never had an account with them. 

I requested the method of verification that is my legal right which I have not received. 

This section 623 of the FCRA : ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this states I have the legal right to see the investigation process into these items that were disputed.
I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.
I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud to me
Continually receiving robo calls and actual live person calls ( over 20 calls last 3 days ). Told the caller that XXXX  does not live at this number and please place me on the do not call list but they continue to call. The caller is XXXX XXXX at XXXX. I am XXXX  years old and do not need the stress of these continuous phone calls ALL Day!
My mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to complete the modification underwriting process through HAMP ( exhibit A ). Wells Fargo has advised that there is a split security interest on this loan with XXXX. Regardless of the security interest split, per the National Mortgage Settlement of XX/XX/XXXX, Wells Fargo is required to process all loan modification requests through HAMP. Ultimately, Wells Fargo must proceed with the loan modification waterfall process and use the standard DTI threshold of XXXX % in order to figure the proper monthly payment. Per the loan modification that Wells Fargo executed XX/XX/XXXX ( exhibit B ), the payment was set at {$1600.00} interest only payment and {$1900.00} total payment with escrow. This particular loan modification is predatory in nature since the DTI equals nearly XXXX %, which is way beyond the XXXX % threshold. Regardless if this loan modification was structured under HAMP or an in house proprietary modification, RESPA laws were violated due to the predatory lending actions. I have also been approved for CA Hardest Hit Funds to bring my account current, which Wells Fargo declined to accept. Had Wells Fargo accepted the funds, I would not be in the current foreclosure positon I am in today. Wells Fargo has implemented a foreclosure sale date of XX/XX/XXXX ( exhibit C ), even though they have been negligent in following the laws within the CA Home Owners Bill of Rights ( CHOBR ). The CHOBR has been violated on XXXX distinct levels. One, Wells Fargo never assigned single point of contact that processed the loan modification from start to finish. Two, Wells Fargo will not process the current loan modification application submitted, citing that previous denials will not allow for re-entry into the loan mod process. Three, Wells Fargo, has not halted sale date activity when formal appeals were filed in the past. Since Wells Fargo has violated RESPA and CHOBR law on many levels, I am seeking your assistance on this matter. You can reach me direct via email at XXXXXXXXXXXX