WillisBack/dataset-financial-user-claim huggingface dataset:
I am having a financial hardship and thus got behind on my mortgage. I was able to qualify for a hardest hit fund program in Oregon and payment are being made. The Sale date was postponed but the Loan was sold from XXXX XXXX to SLS ( Specialized Loan Servicing LLC ). I was never notified in writing that SLS kept the sale date that it was postponed too prior with XXXX XXXX. SLS has had the Loan less than 40 days and is already going through with the Sale date. I tried calling them and they wouldn't even let me postpone the date so I can try to sell or try to pay the reinstatement amount with OHSI 's program. I received a letter from SLS on XX/XX/2018 letting me know that I was behind and that they have mitigation options but never any notice for foreclosure. They are still receiving payments from hardest hit fund but will not work with me to postpone date.
CBE Group summit bad remarks on my credit last XX/XX/2018 where is possible to send proof of full amount las XX/XX/2018 directly in XXXX XXXX office
Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
I applied for a home loan at Bank Of America in XXXX, NC on XXXX XXXX. 
I provided insurance information and agent contact information on the XXXX unit condominium complex on XXXX XXXX. Closing documents were sent to me on XXXX XXXX for a closing date of XXXX XXXX XXXX XXXX XXXX. I learned that BAC did not want a coinsurance clause in the policy. Evidence of adequate replacement insurance was provided to XXXX but I was told on XXXX XXXX that the loan was not approved. Even if the criteria was valid, it was unfair to continue the loan process for 1.5 months and finally cite criteria that could have been known at the start. In that time period rates climbed 1.25 percent and my interest charges are significantly higher with the loan I received at another bank at a XXXX XXXX closing.
Bank of America stated that they would assign me a representative regarding an ongoing complaint. However, when I called, they referred me to someone else who has to quickly research the case with little or no prior history of my case. 

The latest one is XXXX XXXX, who has been recently assigned to assist me. He did not leave an extension number. I tried anyway and was referred to someone else. I asked for XXXX XXXX and was told I would have to make a phone appoint which is a week later.
The options your form brought up did not provided the correct options for me to select. I was sent a letter from XXXX XXXX XXXX that I owed a specified amount to XXXX Hospital. I attempted to contact Credit Adjustments on 4 different occaasion during a 2 week period and was advised that they were unable to help me. I attempted to make a payment arrangement with them on each of these occasions and were told that I was not able to do this over the phone, i could only do so by filling out the form on the back of the letter that was sent to me, i advised them that I moved and the letter was not in my possession since my move. I was advised that, this was the only way to stop the garnishment. I contacted the court and asked the court if they were able to send me the letter of judgement against me to work something out with Credit Adjustments, i was advised by the courts that i should have been able to work that out with Credit Adjustments. I explained that i had tried 4 times and they wouldn't work with me, only that i had to fill out the form on the back of the letter. The court then gave me the lawyers name and phone number and advised that he would work with me. I called XXXX XXXX XXXX in XXXX, OH and was at first advised by his paralegal that they could not take a payment arrangement, that i needed to contact XXXX XXXX XXXX to make them. I advised that i made 4 attempts to do so and they would not work with me, she then advise that XXXX XXXX contact me back to discuss. from this conversation, he advise that when I received the garnishment paperwork from my employer that i could then file for a hearing that i disagree with the garnishment and another hearing would be made and he would consider a reasonable monthly amount at that time. I filed for a hearing and took vacation time to attend this hearing. When i arrived at the hearing, XXXX XXXX did not show up to court and only sent a letter to the judge stating he didn't see a reason for the hearing and asked the judge to keep the garnishment in effect. The judge had no way to decipher if i was telling the truth that XXXX XXXX was the one who had me schedule the hearing so that i could propose a more reasonable amount for my income as the law is set to take 25 % of employees disposable income, not taking into consideration, they have rent, car, insurance and utility bills to pay. I am seeking assistance from a Credit repair company and they upon hearing what had happened advised me to contact you and advise of my mulitple attempts to make payment. I had previously filed and gave all the pertinent information regarding Credit adjustments and your office had been unsuccessful in obtaining information from Credit Adjustments and had asked me to send in a copy of soemthing with Credit Adjustments address and phone number on it. I mailed the documentation on XX/XX/XXXX and somehow you never received it. The Case # is XXXX. I was advised by one of your reps to submit a new complaint and attach the documents to the new complaint.
Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.
In early 2013, I enrolled in and enlisted mortgage modification assistance from the XXXX Program in XXXX FL. Throughout the process I completed all steps and requirements ; In late 2013 I accepted the modification deal presented to me. At first glance, the offer represented my needs at the time and I was urged by the XXXX XXXX complete the application and accept the terms. However, upon a closer inspection of the documents presented by CitiMortgage they clearly scream 'predatory lending ' complete with ( 1 ) a first and second mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XXXX. I am horrified at the trap I 've fallen into at this stage of life and returning to the XXXX Agency has not provided any relief - just embarrassment and finger pointing t at me that I accepted the deal and that I have to seek relief and guidance elsewhere. 
I am in much dire straits and distress then ever before.
Notary of home modification papers, Bank of America. More than willing to notary sign papers again for the 6th time when I receive written letter from Bank of America that this would be my last time in doing so. Told Bank of America contact, XXXX XXXX, that to contact XXXX XXXX ( contract with Bank of America to do notary ) not to call my house or come to my house to do notary ). XXXX called on Tues, XX/XX/2015 to notarize papers. I consider this as an intentional act of harassment because I told Bank of America to contact XXXX XXXX to cease all contact with me, until further notice. 
Action requested : Bank of America to inform their contract notary company to cease calling my house and do not come to my house to do so. 

XXXX XXXX
The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.
Collector came to my door with a police badge on saying he was coming to collect payment on a car that I turned in already.
Hi,

I would like to file complaint concerning theft or loss of my money at Bank of America. Unfortunately I am not getting any help on this from Bank of America as they do not reply to any of my inquiries.

I already sent two regular-mail paper letters to Bank of America, to their headquarters. They did not respond to any of them. Bank of America does not provide any official email address at which I could contact them. They only provide a phone number to their call center which is of no help. The only email address for Bank of America which I was able to find, by luck, after an exhausting search, was executive. XXXX . I already contacted Bank of America at this address, a number of times, but they (specifically   XXXX   XXXX   XXXX  ) do not reply to any of my inquiries. I AM NOT GETTING ANY HELP FROM BANK OF AMERICA on this, IT IS NOT POSSIBLE TO CONTACT THEM IN WRITING, THEY DO NOT REPLY TO MY PAPER LETTERS or EMAILS. I do not know how else to contact Bank of America, how to get them help me to get this resolved. You, CFPB, are my only help.

The problem:

Bank of America closed my account and escheated my property to State of Wisconsin (that is the information that I was able to get from Bank of America with your previous help, see case ID  XXXX ). State of Wisconsin's online Unclaimed Property Database (see   XXXX   ) does not provide any property under my name. So, I contacted State of Wisconsin Unclaimed Property Division, provided them all the necessary information and requested a MANUAL SEARCH in their Unclaimed Property Database. State of Wisconsin's response is that they cannot find anything under my name, see below:

 --------------------------------------------
 On Tue,  XX/XX/XXXX , DOR Unclaimed Property  wrote:
 Subject: RE: Unclaimed property manual search request
 To:   XXXX   XXXX  
 Date: Tuesday,  XX/XX/XXXX ,   XXXX   XXXX  
 
 Dear   XXXX   XXXX  ,
 
 Thank you for contacting the
 Wisconsin Department of Revenue Unclaimed Property Unit.
 
 Our records for  XX/XX/XXXX  are all
 digital, who reported funds to us in  XX/XX/XXXX  were allow to send
 us paper copies. There are no paper records for  XX/XX/XXXX . I have
 looked under your name and I cannot find anything under your
 name. You will need to contact Bank of America, we cannot help you
 claim your unclaimed property if we cannot find it. Its
 possible Bank of America misspelled your name or make a data
 entry error when the property was sent to us. You will need
 to go back to Bank of America and talk to them. They have
 more information about the property then us.

BANK OF AMERICA SAYS THAT THEY SENT MY MONEY TO THE STATE OF WISCONSIN UNCLAIMED PROPERTY, AND THE STATE OF WISCONSIN SAYS THAT THEY HAVE NOT RECEIVED ANY MONEY IN MY NAME FROM BANK OF AMERICA. MY MONEY IS LOST!

How this can happen in the United States of America, at a bank supervised by the Federal Reserve System??

Now I need Bank of America or the Federal Reserve System or anyone to locate where my money from my closed account is.

Thank you for your help.
My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!
0n XXXX XXXX, 2017 I received a letter allegedly from the XXXX XXXX XXXX XXXX  attempting to collect a student loan by Treasury offset. On XXXX XXXX, 2017 at around XXXX XXXX., I placed a call to the number listed in the letter ( XXXX ) in an attempt to get more information on this account. I was told by the person that answer the call that the total amount of this alleged debt was over XXXX. I told the employee that the amount was totally wrong. 
In the letter the total amount of the debt is listed as around XXXX ( copy attached ). 
The number listed on the letter belongs to XXXX XXXX XXXX XXXX, a loan servicer and a debt collector. It is not clear who is trying to collect here and what the amount of the debt is. 
On XXXX XXXX, 2017 I sent a certified letter to the XXXX XXXX XXXX XXXX requesting validation of this debt ( copy attached ). To this point it is unclear if the letter I received was sent by XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX. 
I am a veteran and after honorably serving this my adopted country with pride at least I believe I could request that the CFPB help me with the investigation of this matter.
Good day.   I am filing a complaint against Navy Federal Credit Union in what I believe to be illegal and false loan practices.     I had several credit accounts with  Navy Federal ( cr edit card, line of credit, overdraft protection ) that fell behind due to illness. Although I made small payments, the accounts were still behind. I received a call from  Navy Federal in e arly  XXXX   XXXX  asking if I would be interested in a consolidated loan for all the accounts. As I had returned to full-time work in  XXXX , I was excited and eager to get everything back on track.     After speaking to the gentleman on different occasions, I was happy to agree to the loan as long as there was disability/death protection coverage, as well as the interest rate couldnt be higher than whatever was the highest rate on my various loans/credit cards. The gentleman assured me that wouldnt be a problem, and that I had been approved. He advised that the promissory note coming would provide that information, as well, that until I signed and returned the promissory note, the loan was in a temporary approval.     I received the promissory no te ( attached ) and the interest rate was wrong, and more importantly, no disability/death insurance was included. I immediately started calling Navy Federal to advise my concerns, and that I didnt w ant the loan. I was placed in someones voicemail, and assured that someone would call me back. I did NOT receive any calls regarding my complaint, and desire to void the loan. Each call was to advise that I missed the first payment, and wanted to know if I wanted to make arrangements for the payment. Each time I advised that the loan was INCORRECT, and I never agreed to the terms of the loan. Each time I was PROMISED the original loan agent would call, and to this day, Ive NEVER received a call from this individual.     The only person who has at least attempted to resolve this issue has been a  XXXX   XXXX  at  XXXX .  XXXX   XXXX  was able to provide the following dates that I called :  XXXX   XXXX ,    XXXX   XXXX   XXXX   XXXX   , and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , and  XXXX   XXXX . I also have an email that I sent on    XXXX   XXXX   XXXX  ,   regarding the loan, that I never received any response. Im sure there are more calls, but I cant prove this. Additionally, Ive asked to have a copy of the recorded calls released to me, which  Navy Federal has refused.     Navy Federal has deduc ted and replaced funds from account on   XXXX   XXXX   XXXX   XXXX   XXXX   , and the lat est was  XXXX   XXXX  which they are refusing to return.     At this point, this loan should be voided, as well as removed from my credit report. Im not sure what can be done regarding compensation, but clearly this is all illegal. The only resolution they are offering is to place me in a voice mail where no one returns my calls.
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
I continuously get calls from a XXXX from CR Corp calling that I owe them money. The calls come at XXXX every morning. I do n't know what this is about. I do n't want to call them back because after looking up this company, they appear to be a collection agency. I do n't owe any money and I do n't know why this company continuosly calls me.
Transaction HistoryI have an FHA loan, that was originated by XXXX XXXX XXXX, with an escrow account, which was established during the proceedings of the loan. The escrow was a requirement for disbursement of the loan. A schedule of financial disbursement from the escrow account was also within the loans associated paperwork. The loan was finalized on XX/XX/XXXX. My loan was then sold to Nationstar Mortgage and my first payment to Nationstar was recorded as XX/XX/XXXX. The next scheduled disbursement from my escrow to my insurance provider was to take place XX/XX/XXXX. 

The IssueThe funds allotted within my escrow for my home owners insurance/hazard insurance where never disbursed to the agency on the scheduled date. Nationstar continued to collect escrow payments for the months of XXXX and XX/XX/XXXX with out disbursing the funds to my insurance provider. When my insurance was canceled due to " Lack of payment '' in XX/XX/XXXX Nationstar then within that same month purchased Force-Lender insurance through XXXX that same month. I lost my homeowners insurance policy and had to pay a considerably higher premium for the Forced-Lender insurance provided by XXXX. 

Other FactorsI thought that under the Real Estate Settlement Act - Section 6 it was the responsibility of the mortgagor to distribute funds to the insurance agency in a timely manner in order to retrain the current policy. 

I can also do not understand how my mortgagor after not paying the insurance agency from my escrow could justify purchasing an insurance policy with such a substantially higher premium that exceeds that of any major provider. More especially so given the fact that Nationstars affiliated and/or subsidiary organization XXXX XXXX XXXX allegedly receives incentives from XXXX for placing borrowers on there insurance policies.
Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from Equifax. They are supposed to respond within 30 days.
Freedom Mortgage does not document my current escrow balance. My loan originated with XXXX Mortgage and had been serviced there for 3 years prior to being sold. Freedom Mortgage does not reflect on their website or my monthly statement what my current escrow balance is. I am not provided enough information to determine what it is either. There is no starting balance for the year or disbursements for the year. Only the amount paid in for the year is shown. I have no way of knowing for certain how much of my escrow money Freedom Mortgage holds. I was told that I could call to get that information. I have done that several times and the reps are not very helpful. They just state the amount that I have paid in for the year.
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
In the process of purchasing a home and had your credit pulled and was surprised to see a collection from AWA which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. Upon further review it is found that the original creditor has been paid, I have reached out and paid directly the original Creditor.
Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.
GM Financial was sent a formal notice on XXXX/XXXX/2016 to validate and verify the debt they where attempting to collect on. No validation received. A second notice demanding validation was sent on XXXX/XXXX/2016 and GM Financial responded by sending forged documents, falsified records and documents with information whited out.
Hi there, My name is XXXX XXXX and I'm reaching out in regards to the lawsuit against Navient - the student loan provider. As I'm sure you are aware, there's a lawsuit against them for not letting students know about forgiveness options - I would like to know what the status is, how I can be entered in the lawsuit case and what I can do to move this forward.
Buying items off of the website " XXXX '' and one of the sellers with paypal ( which is the current situation I'm in ) didn't give me the product. On paypal, I paid " XXXX XXXX '' {$17.00} cents on XX/XX/2019, current day. Paid {$17.00} with my current balance on paypal, and the rest of the fees with my credit card. Contacted him, never responded and blocked me on all current areas where I could get a hold of him from.