WillisBack/dataset-financial-user-claim huggingface dataset:
Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.
ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.
they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX  i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX  account it showsXX/XX/XXXX XXXX
I have stayed in complete contact with the company. I do owe {$1700.00} and I've paid to where I owe {$1300.00}. I am having financial difficulties and I'm trying to make the paymens. I've have been threatened numerous times. They initially stated they would take us to court to sue us, they've also stated garnishment of wages. Then the person I'm working with literally states that she ever said anything to me. I'm so upset and over them threatening me. I would like to have this situation looked into.
I submitted a certified letter to Credit Reporting Agencies Experian, XXXX, and XXXX  in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.
I do n't have a contract w ith Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it w as added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt.
On XX/XX/XXXX JH Portfolio Debt received a certified letter disputing a debt for {$380.00} and asking for validation by signed contract. No response was received from JH Portfolio Debt.  Another certified letter was sent and signed for on XX/XX/XXXX asking the unverified debt to be removed from my credit file since they have not complied with both federal and state reporting laws. This unlawful reporting of a debt by JH Portfolio is damaging and harming my credit report. I will continue to file complaints and pursue legal action against JH Portfolio if they continue to breach FCRA/FDCPA laws.
Loan Modification denials after 2 attempts. Underwriters not on same page I contacted Wells Fargo XX/XX/XXXX to explain to them that I lost my job and was in fear of falling behind on my mtg. I was offered nothing and was told that my loan had to be in default before I could do anything. I turned to XXXX XXXX to help me with the process of gaining a loan mod or forbearance, upon completion of the paperwork I was offered a position and was told that I would no longer qualify for the unemployment forbearance. I gathered all of my documents and stressed that my grandparents ( both in XXXX, XXXX under XXXX and the other suffering from XXXX XXXX ) we on the loan however, they have their own residence and do not contribute to the household and I also have a transfer upon death deed filed with XXXX County. I was told by one of Wells Fargo 's underwriters that if I could submit an affidavit to this affect that my grandparents social security income would not be needed. Needless to say I was denied a loan modification, I appealed as I took on a part time permanent position and also had a contributor to the mortgage and utilities within the household, I supplied Wells with all of this information, just to be called XXXX/XXXX/XXXX to say that I was denied again! And was told that the current underwriter required my grandparents information. I stated why would they need this when the first underwriter stated that the affidavit that I had signed and notarized would be sufficient and that their income is in NO WAY used for any mortgage payments or bills at the home. This process has been going on for several months ( almost 6 to be exact ). I can not get a straight answer from Wells Fargo as to the documentation that they require and why they require it for my grandparents. I have been paying this mortgage on my own since purchasing the property and unfortunately I fell several months behind after losing my job.
I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,
ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON
I was laid off in XXXX of XXXX. I called Wells Fargo right away and told them what happened. They told me they could n't help me until I was severely delinquent. I applies for XXXX job a day. It took several months to regain employment. I was out of cash and living off of my credit cards. Wells fargo offered a loan modification. I was told during a " recorded call '' that This " would n't '' impact my credit score and that the modified portion of payment difference would be added onto the end of my loan when I got back to work. 
I was having the payments deducted from my checking account for a year. Wells fargo reported to the credit bureaus that I was n't making " any '' payment. I have proof of the checking account deductions. At the end of one year, I re-applied for a loan modification and was told I needed to file my taxes and re-apply. Each time I reached out to the loan specialists it would take XXXX14 day to hear back from him. This is a time sensitivesituation. 
One week later I filed my taxes and made XXXX attempts to reach my loan specialist. I left long detailed messages each time. My cell phone bill shows the calls and duration of each. The loan specialists never called back but continued to send letters offering his help. He would not call me back. I received a letter stating the foreclosure process has started. Wells fargo lied about the terms and conditions of the loan modification process. I asked so many questioned that the loan specialist had to keep putting my on hold to ask his supervisor the answer. These calls are recorded. I do n't see why I have to be subjected to proving my case when the recordings have all the proof. I asked to make a payment arrangement and spread out XXXX of my back payments and I could give them XXXX in cash. The loan modification ended in XXXX XXXX. I called to ask what the next steps were and was given the run around about what to do next. I was told just wait. We will send you a packet. 3 wks later a packet arrived with a deadline in 7 days of receiving it. It was dated 3 weeks prior to my receiving it. They would n't accept a paymnet in XXXX when I called to inquire about my payments. I was told underwriting is working on it. I know it is important to have the documents correct but they picked apart every thing from the size and direction of the faxed documents to oh we lost it, Can you resend it. They even sent my a refund of almost {$600.00}. SAYING THESE FUNDS WERE N'T APPLIED CORRECTLY PRIOR TO THE FORCLOSURE PROCESS STARTING. They refused any payment via phone unless it was the total amount due. 
I can not believe lenders are n't more closely regulated to prevent these misrepresentations of the facts and processes supposedly mandated by law. 
This is theft. Wells Fargo is stealing my home that I worked hard to maintain and for 8 years was never late once until the lay off. Unbelievable.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics.
On XX/XX/XXXX, I enrolled in an American Express Offers offer to earn XXXX Membership Rewards points for spending at least {$300.00} at a XXXX property on my Amex EveryDay card. On XX/XX/2018, I spent {$660.00} on my Amex EveryDay card at a XXXX property. Amex confirmed that the XXXX bonus MR points would post after my next statement closes on XX/XX/XXXX ( see attached screenshot of conversation ). That statement closed and the bonus points have not posted. I followed up with Amex customer service via chat on XX/XX/XXXX, and was told the points show as awarded, but not posted and they are refusing to do anything to have them posted to my account.
The Accounts On My Equifax Report Were Removed Between XX/XX/XXXX-XX/XX/XXXX, But It 's Showing The Have Now Been ReAdded Between XX/XX/XXXX- XX/XX/XXXX. These Accounts Need To Be Removed As Soon As Possible. I 'm Confused As If Equifax Or XXXX XXXX Is Having Problems With Their System Again. Also I 've Sent Letter For My Address To Be Update And I Still Have Got A Repsonse Nor Has It Been Updated. I 've Constantly Called Them. Also I Did n't Receive Any Type Of Notice That Those Accounts We 're Going To Be ReAdded. There 's Two Accounts " Original Creditors, " Called XXXX XXXX XXXX, And An Account Called XXXX XXXX XXXX La.
I obtained a car title loan from XXXX on XX/XX/XXXX in the amount of {$2400.00}. The loan was for a period of 24 months at 24.88 % interest. I made each and every payment on time with no exceptions. The loan was paid off on XX/XX/XXXX. 

Starting about 10 days after the loan pay-off, I began calling their customer-no-service line at XXXX to inquire about the notarized documents needed to take them off my title as a lien-holder. The first customer-no-service person informed me that they have 17 days to return the title and that I should expect a document about that time ( XX/XX/XXXX ). Indeed, an envelope did arrive in the mail from XXXX. Inside was a copy of my note with a letter stating the loan was paid-in-full. The letter was unsigned and had been printed on a laser printer. The letterhead was so pixilated it was nearly unreadable. I called the customer-no-service line the next day and was told the letter could be taken to my local tag agent to remove the lien. Of course, I could see that was not true. The agent then told me that the letter was a courtesy letter until my actual documents would arrive ... now the 17 days became 17 business days. 

After the 17 business days had expired ( XX/XX/XXXX ) I called again and the customer-no-service agent informed me that they actually had 30 days to get my documents to me. Subsequent calls to customer-no-service I was told the documents had gone in the mail on XX/XX/XXXX. I pointed out that was a Federal holiday ( Columbus Day ) and it would have been impossible for that to be true ... the customer-no-service agent doubled down on that story and offered to provide a tracking number ... which proved to be fake. 

My loan agreement is with Manor Resources , LLC operating their company at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The principal owner was XXXX XXXX. They have a one star rating with the BBB in XXXX.
I reviewed my   XXXX   Credit Report on  XXXX / XXXX /  XXXX   and noticed a HARD INQUIRY from Comenity XXXX . I did not request or authorize anything from this company. I sent a certified letter on  XXXX / XXXX /  XXXX   (  XXXX   XXXX  to have this removed and I have never received a response and it is still on my credit report. I want this removed.
I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.
A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control
The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.
XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.
I disputed this account with Equifax before, I do n't understand when you point out clear evidence of the account being wrong they still what to report it. And tell you they need to do a 30 - 45 days for and account that is clearly wrong. Has not clear payment history and reporting Delinquency twice on the same account with two different days. The correct date is at the bottom of the page of the page XX/XX/XXXX. The payment history clearly shows it when it when to collection. Then also shows when I made the last payment making it XXXX balance as it is being reported. But out of no where the have a another date making it appear that the Major Delinquency is reported last year XX/XX/XXXX. This has hurt me in getting fund because it appeared to be recent. I tried to tell the lender that but they said there is no clear payment history when it started because they put NR all over my payment history making it unclear when anything happen. I called Equifax to show them the clear error of reporting two different days of delinquency and how it is effecting me getting credit. I ask to to remove this clear error and do investoring before they can put it back on my credit report because why should I suffer when someone else makes a clear mistake. I am looking for funding for my business and things like this can take my out of business. It is not fair when reporting agency see clear errors and refuse to remove them until they are probably fixed. When I did a investigating with Equifax in the past they took XXXX points off making my score to low to get funding until the investigating is done. This is like blaming me for standing up for my rights to fix my account and making me suffer for 30 - 45 days until they finish investigating. My score should not be affected until the final update is finish. Why should I suffer for and error that Equifax should not aloud to report. No clear payment history and two different delinquency dates. I spoke to a supervisor and they said they can not do nothing but file a dispute when this account should be illegal. It is clearing wrong. XXXX Account XXXX.
I had several fraudulent transactions on XX/XX/2017 and XX/XX/2017. I called American Express several times to have these transactions removed, however each time I was given a different excuse. I want these transactions removed immediately
Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). 

I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. 

For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. 

I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ).