WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage loan was recently transferred to Fay Servicing. Account Manager I am assigned XXXX XXXX extension XXXX. Email is XXXX. His manager is Mr. XXXX email is XXXX I have explained in the past month that we have a permanent HAMP modification on our loan. Under HAMP guidelines we are in good standing with our loan as long as we do not go over 90 days late.

We have never gone over 90 days late. However since our loan was transferred over Fay Servicing issued us a notice of default before we were 90 days late and now refuse to accept our monthly mortgage payment. They are stating we need to make all three months payments or they will not accept payment. 

With them not accepting our mortgage payment this month after XXXX ends we will be in default under HAMP as our loan will be over 90 days late. We currently owe for XXXX, XXXX and XXXX. We have been attempting to make XXXX 's payment for the entire month of XXXX with no success. 

I have explained this to them over and over and no help has been provided. We never had these issues with our previous servicer but now that the loan has been sold they are not acknowledging that we have a permanent HAMP modification. 

Taken from Making Home Affordable Handbook V5.1 page 136 chapter II : HAMP section 9.4 Re-Default and Loss of Good Standing If a borrower defaults on a loan modification executed under HAMP ( delinquent by the equivalent of three full monthly payments at the end of the month in which the last of the three delinquent payments was due ), the loan is no longer considered to be in good standing. Once lost, good standing can not be restored even if the borrower subsequently cures the default.
Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service
I have Public records listed on my credit reports that are inaccurate and incomplete such as JUDGEMENTS. The federal law requires that the credit agency provide mechanisms to ensure that each item on my credit report belongs to me and is accurate. I have requested from the credit agency Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate these Judgements and they have failed me only to return stating it has been verified with no substantiation. I have received a letter from the court stating they do not reporting to the consumer reporting agencies but yet the credit reporting agency is saying they have verified it with the court.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
I have an account with Bank of America which I opened my account XX/XX/XXXX I have made all my payments on time Including XX/XX/XXXX. It seems to have been a mail room issue and it didn't post on time at no fault of my own. I have tried requesting paperwork from Bank of America to show me when the date this payment posted. First they report the wrong address on to the bureaus and when I did send to the correct address they failed to respond.
I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.
Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.
On XX/XX/2018 I received an email from someone claiming to be the General Manager of Citi Management Group , LLC. This person did not provide their name. This email claimed that a balance of {$550.00} [ sic ] is delinquent and had been given to them for recovery. They identified the original lender as XXXX XXXX XXXX, which is an organization with which I have never done business. 

In response, I replied to the email to notify them that I was disputing the debt and to provide a cease and desist order.
The intake department at XXXX online was so helpful until they got my money, after fraudulent claims and withholding information regarding my tuition. They also wo n't release my transcripts because they applied the next semesters charges to my account and said I have an outstanding balance for the XXXX semester. Very deceitful.
XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked  them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.
Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.
Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. 
I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! 
What can I do?
The collection company in question, Amsher Collections CVCS, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$1000.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was unemployed at this time and unable to get any loan products from any financial institution. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XX/XX/XXXX. This account has been removed from my other credit report file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
This is a qualified written request under Section 6 of RESPA to obtain any and all information regarding the true owner of the XXXX loan number : XXXX since XX/XX/XXXX, and all payments made during XX/XX/XXXX and XX/XX/XXXX for the upcoming hearing before the Ninth Circuit Appeals Court number : XXXX, as well as confirmation that the following payments were applied to my loan : Non applied funds in the amount of : {$920.00} on XX/XX/XXXX, and {$1900.00} on XX/XX/XXXXand at least 17 payments for : {$1100.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00}, on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, and {$350.00} on XX/XX/XXXX during XX/XX/XXXX.
I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.
On XX/XX/2018 I disputed an account with XXXX and submitted documentation showing that the account was paid in full and settled on XXXX XXXX. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
I applied XXXX XXXX American Express Card in XX/XX/2018 and got approval from American Express. According to the term and conditions of the card, I would get XXXX XXXX XXXX  Bonus Points after I spend {$1000.00} in the first 3 months of Card Membership starting from the date my account is approved. However, I was denied to be offered the XXXX XXXX XXXX Bonus Points after I spent over {$1000.00} within the first 3 months. I was told that it was because I applied the card before. But, in the promotion, the program did NOT indicate that applicants who had the XXXX XXXX   American Express Card before disqualified the Bonus Points. 

I was told when I called American Express Cards to complaint that the requirement that applicants who should not have the XXXX XXXX American Express Card before to receive the Bonus Points was in small print, which people would normally not be aware of. I think there would be many people like me who spent over {$1000.00} on the card within the first 3 months and was denied to be offered the Bonus Points. I spent the money on the Card, but I did not got what I supposed to get. The Company is misleading and cheating consumers.
On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.
I paid my balance in full last month, yet was charged interest because I did not pay the balance the month before. It was explained that even though I was already charged interest on the previous months charges, and then paid the account balance prior to the due date as it was billed, I was being penalized for not paying it off the month before and that the Capital One cards are not like other cards, in that the only way to avoid interest is to pay it off each and every month. Again, I paid the balance in full prior to the due date. Also, when asking that the XXXX-dollars and some change be waived as a courtesy, I was advised that there were currently no offers to waive the fee.
Issues on credit report are closed by the bank institution and dismissed or forgiving. Others, are medical or ambulance fees that were from a unaware circumstances and not negotiable but emergency.
I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.
USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The XXXX XXXX loan trade line on my Transunion credit report needs to be removed from my credit report. It is an illegal loan in the state that I reside in ( Indiana ). The XXXX   XXXX XXXX is not a licensed consumer loan, small loan, or payday loan lender thru the Indiana Department of Financial Institutions. Any loan that is originated in the state of Indiana without the proper Indiana loan license are to be considered null and void, and as a result, are uncollectable. 

I have attached the Cease and Desist Letter that the Indiana State of Indiana Department of Financial Institutions has posted on their public website XXXX. I have also attached the list of the 30 licensed small loan lenders for the state of Indiana that shows XXXX XXXX XXXX does not have a license to lend in Indiana. 
Please remove the trade line on my credit report from XXXX XXXX XXXX.
- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail. 

- Experian received the Dispute Letter on XXXX/XXXX/16 as USPS Tracking # XXXX shows. 

- On XXXX/XXXX/16 both XXXX and XXXX deleted this Fraudulent Collection Account from my Credit Reports while Experian refused to properly investigate and delete and instead updated this account to a " PAID '' collection which has continued to damage my credit even more as their change to a paid collection being more recent lowered my scores, i am in the process of buying a house and this whole situation is preventing me from obtaining a mortgage. 

- Experian Fraudulent Verified this Unknown Collection account and Updated to a PAID COLLECTION on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
I called Studentloans.gov on XX/XX/2018, seeing about consolidation of my loans with Navient. The rep that I spoke with kept asking for me to repeat my ssn. Then I was informed the reason why I couldn't see any loans on the studentloans.gov website is due to another ssn was attached to my account with Navient. I called Navient on XX/XX/2018, they stated to me that they could not see another ssn tied to my account, but they ask for me to send in a copy of my DL and SS card. I requested a full report of my account with them and they stated it will take 5-7 days due to mail.

The whole issue is that I don't believe what they say any more. I have called in so many times trying to get my monthly payment lowered and they place me on a forbearance and then state to look in my email. They can never tell me what the new monthly will be. I have had to call each month this year to ask about lowering my payment. One person forgot to submit my request. The other person told me to complete a consolidation. Each time it is something different to get more money out of you. I have been working on my credit for the past two years, so my wife and I can buy a house. Well It has been a roller-coaster due to Navient and their payments. Right now they sent me a letter saying monthly payments for a loan ( did not say which loan ) and the loan amount is XXXX, but my total loans show a big balance of XXXX. Not sure what is going on.
XX/XX/17 I discovered I may have been impacted by the Equifax security breach in XX/XX/XXXX.
Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
I am a victim of identity theft and have made experian aware of all the fraudulent/unauthorized activity on my file. I have mailed and uploaded in writing the 2 accounts on my file that should be removed due to identity theft. I included an FTC report specifying the 2 accounts ( XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX # XXXX ) This isn't right! I have provided all required documents for experian to help with the identity theft and they have done nothing.
On XXXX XXXX I requested withdrawal of my XXXX XXXX from Coinbase. They told me that I would receive an email to authorize the withdrawal in 48 hours. I have followed their directions and have yet to receive the email to initiate the authorization and withdrawal. XXXX ID : XXXX I have not received any correspondence back from Coinbase.
Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your help.