WillisBack/dataset-financial-user-claim huggingface dataset:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
It is with great desperation that I ask my file be review. I have received notice from Ditech servicing co. that my property will be sold XXXX/XXXX/XXXX. I have applied for a loan modification due to the fact that I lost my job with XXXX after 24 years.. I have collected unemployment and have not found a job as of yet. My struggle began about XXXX XXXX when a package was offered to me. While I did received a separation package with extended health benefits having to support a family of XXXX and a sick wife. I must tell you that I have depleted it and have began to use credit cards. My cash reserve including all liquid assets has been completely spent trying to hold on to the house, living expenses etc. I have now began to use my son 's savings account. 
Your assistance in this matter is greatly appreciated. I want to maintain my home. I have XXXX children. This is my only shelter. I am sure I will soon hope to have a job. Please help me keep my home. I was told that Ditech can help me through the " UP '' program This is a hard fall.
I have several items to dispute, however the major one has been that one entity ( XXXX XXXX ) was not my bank, it was my husband 's and he died XX/XX/XXXX. Just recently, after a bankruptcy XX/XX/XXXX, I have been trying to reestablish my credit by getting a secured or other type of credit card and have been turned down for the reason the I am supposed to be " deceased ''. I put in a dispute with Exquifax tio start, and they, on two occasions ask me for other documents which I send them both times ( the same documents ). After 1-2 months I get an email that they finished the investigation. the link they send me to for results is blank and somehow brings me back to the beginning of creating the dispute process. I know I 'm not dead. The IRS knows I 'm not dead. I would imagine that a dead person does not have a credit rating, which I apparently do. How in the world can I get this resolved and then move forth with the other disputes to correct my credit reports with all XXXX agencies that are now listing me as deceased?
On XX/XX/XXXX - I launched a dispute with Experian regarding a late payment with XXXX XXXX which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XXXX to the XXXX earlier in the year which had not been changed by XXXX and still reflected the due date of the XXXX. I was late in payment for the month of XXXX but requested the removal of the late payment via Experian. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with Experian providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to XXXX XXXX, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with XXXX XXXX on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that XXXX XXXX is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXXclass action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.
Spoke with Caliber Home Loans to get and update on the mortgage modification request spoke, with XXXX XXXX customer service who advised that a FHA HAMP modification has been approved for XXXX trial payments. XXXX, XXXX, and XXXX in the amount of {$1000.00}. I asked XXXX for the break down of the payments XXXX advised interest rate 5.25 % principle & interest {$700.00} Escrows ( tax, insurance, PMI {$380.00}. XXXX stated the mortgage payments were only behind {$4900.00} the escrow is XXXX, PMI is {$1200.00} for XXXX, XXXX, XXXX and XXXX XXXX stated a partial claim was filed for the delinquent mortgage payments Caliber notes in their system states PMI claim in amount of {$51000.00}. Why is a claim being filed in the amount of {$5100.00} against the PMI insurance when we are only delinquent in the amount of {$4900.00}. They have increased our PMI insurance in the modified mortgage payment. Please Help!!!!
My XXXX XXXX account has been paid and closed for a year now and I see a 30 day late just came up on this account. Not sure how this happened when it 's been closed and was not there before
I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.
I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.
The forged check was withdrawn from my account on XX/XX/18 for XXXX , you can clearly see it is not my handwriting, no my signature, also my fuel card company without my authorization withdraw money from my account : on XX/XX/18 XXXX , XX/XX/18 XXXX , XX/XX/2018 XXXX, XX/XX/18 XXXX $ and on XX/XX/2018 XXXX $ which chase refused to refund also.
XXXX XXXX XXXX, generated an Inquiry from XXXX XXXX, 2017. I created an account online for checking account. I was not expecting a hard inquiry.
The following Student loan accounts are reporting late and therefore showing negative on my EXPERIAN REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.
I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information
On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.
I received a letter from a company called XXXX who is collecting on behalf of XXXX XXXX XXXX. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
Recent  Netspend Account closure : I have had a Netspend account for the last few years. Recently, while going through my transaction history, I noticed a few unauthorized transactions. I contacted Netspend and filed a dispute. Netspend  conducted an investigation and ruled in my favor and returned the funds. However, no sooner than they refunded the money, they closed out my entire account, without explanation.
I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.
I was a customer of XXXX and cancelled service in XXXX 2016. I was told by the representative that i would not be charged a early termination fee because they could not get the system to work properly after XXXX attempts. They tried to run my credit card that was on file for XX/XX/XXXX and late termination fee. I disputed the charge and now they are reporting false information to credit reporting agencies which is affecting my credit status.I have spoken to XXXX and they are saying that they do n't show any collection for me. I explained to them it is on my credit report and this is falling on deaf ears.
In XX/XX/2017 I was notified by Navient that I was entitled to a deferment on my student loans ( one subsidized, one unsubsidized ) because I had been enrolled half time in graduate classes for one semester. I called to ask how much I would have to pay to avoid capitalizing interest and was given an amount in the vicinity of {$72.00}. I attempted to pay this amount twice but it was returned to me because they claimed I sent it to the wrong address, which I do not believe I did. When I looked at my account history last month, I realized a much larger amount of interest was capitalized than I would have paid if I had made the {$72.00} payment for the six months. Also, the months where payments were not taken from my account were different ( later ) than what they stated were the dates of the actual deferment. I was told that I had been given a " courtesy forbearance, '' and that interest had been capitalized on both accounts rather than just the unsubsidized acount. I assured them that I had never requested a forbearance and asked for it to be removed from my account and the interest charges credited back to me. I needed to speak to several customer service agents and supervisors before I was told that they would reverse the additional interest charges. I calculated the overcharged interest to be in the area of {$800.00}. I was asked to wait 24 to 48 hours to recheck my account. When I checked my account again it looked as if several transactions had been initiated to reverse the charges : one for {$870.00} on XX/XX/17, one for {$810.00} on XX/XX/17, and one for {$270.00} on XX/XX/17. My total balance due before I made this request was {$57.00}, XXXX. I expected to see a reduction in this balance after these credits were made, but instead, my total balance was within {$10.00} of what it had been before ( {$57000.00} ). I called Navient again and spoke to a supervisor who insisted that my balance was valid. I asked how it could be that I was credited this amount of money retroactively and my present balance remain virtually unchanged. She could not provide a reasonable answer to my question but continued to insist that it was valid. She offered to send a declining balance statement going back two years which I have attached. This statement looks nothing like the account history that is on the Navient website and I can not understand how the credits were allocated. Additionally, I do not have a comparison of the declining balance statement before the credits were made for comparison. I would like an explanation of how these credits were made to my account with no effect at all on my current balance.
I am filing this complain against PNC bank for predatory loaning. 

XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. 

To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt.
I have already attempted sinceXX/XX/XXXX to settle out on this car with this company. This has taken place from XX/XX/XXXX  up untilXX/XX/XXXX. I have submitted several complaints and in the motion of filing for arbitration. This company is indicating that I owe {$11000.00} and is valid through XX/XX/XXXX. I have already paid over {$15.00},XX/XX/XXXX for this car in which it was Contract Amount : {$13000.00} / Amount Financed : {$13000.00}. 

This car engine is no longer working. The car is not worth more than {$1000.00} and the company has failed to try and settle out this debt with me.
JPMORGAN CHASE BANK , N.A . 
I REQUEST BOTH A FULL ACCOUNTING OF ; XXXX. LINE BY LINE AMOUNTS, PAYMENTS, and FEES [ details : to whom & for what ] from inception of original loan, XXXX XXXX, XXXX to XXXX of XXXX when {$16000.00} 'unclaimed funds ' exited CHASE Bank XXXX 
XXXX. DETAILS REGARDING 'UNCLAIMED FUNDS ' {$16000.00} I obtained an $ XXXX Interest only 6.125 % mortgage from CHASE on XXXX XXXX, XXXX - for a home I purchased in XXXX at the height of the grossly inflated housing market in XXXX XXXX XXXX I paid 20 % cash down and put over $ XXXX cash XXXX into the home and property. 

The financial crisis hit and in XXXX I began struggling to pay the mortgage due to substantial loss of investments, and loss of income. CHASE would do nothing for me until the Federal Government forced them to. In XX/XX/XXXX, under XXXX CHASE refinanced my mortgage to a much lower interest rate [ 2 % ] that increases over a period of years, with a balloon payment of $ XXXX due the XXXX year. I received {$0.00} DEBT FORGIVENESS. Additionally, CHASE NEVER provided an item by item financial accounting of my loan from date of inception, XX/XX/XXXX to XX/XX/XXXX. 

Before the ink dried, CHASE sold the loan to XXXX on XX/XX/XXXX. 
XXXX months later, in XX/XX/XXXX, I received correspondence from CHASE dated XX/XX/XXXX stating that they were in possession of {$16000.00} of 'unclaimed funds ' and should I not respond immediately CHASE would release the funds to the State of California XXXX notice attached ]. I claimed the funds, however, I received NO additional correspondence, no financial breakdown, or clarification - just the check NOTE : I would NEVER have been past due in XX/XX/XXXX had I received those funds from CHASE during or immediately after the sale of my mortgage to XXXX! 

XXXX EXPECTED XXXX ) A full line-by-line accounting of my account from the day of inception XX/XX/XXXX to the date in XX/XX/XXXX when I deposited the 'held back funds ' into my XXXX account. 
XXXX ) 'why ' the $ was held-back XXXX ) 'where ' the funds were 'held ' XXXX XXXX How long they were 'held ' XXXX ) Did the amount include interest CHASE earned on the funds? 
XXXX ) Am I entitled to interest earned on the {$16000.00}, or a monetary settlement for fiduciary mismanagement causing harm to an already distressed homeowner? 

The loan has again been sold by XXXX and is managed by XXXX XXXX XXXX, whose attorney, CLEAR XXXX XXXX, is actively foreclosing with an auction date of XX/XX/XXXX. I am requesting this information in response to a XXXX XXXX Notice. 
XXXX I not legally entitled to this information as well as a suspension of the foreclosure activity as I sent written notification that I did not agree with all or part of the Debt Validation Notice sent to me by CLEAR XXXX XXXX, and requested further clarification? 

ATTACHMENTS : XXXX. CHASE UNCLAIMED FUNDS NOTICE - dated XX/XX/XXXX XXXX. CLEAR RECON DEBT VALIDATION NOTICE - dated XX/XX/XXXX XXXX. HOMEOWNER RESPONSE TO CLEAR RECON requesting debt details - dated XX/XX/XXXX XXXX. FAX COMPLETION NOTICE - dated XX/XX/XXXX
I 've never been late on my mortgage payment. My XX/XX/XXXX payment I paid {$2600.00} which was an extra {$50.00}, which they applied to principal. In XX/XX/XXXX there was an escrow adjustment and my payment of {$2600.00} was {$25.00} short, so they did not apply any of my payment, reporting me 30 days late. In XX/XX/XXXX I paid {$3000.00}, covering the {$25.00} short, plus their {$89.00} late fee. On my credit report it shows I was 30 days late. However my due date is XXXX and they reported me at the end of the month, which is not 30 days. In addition I asked them to considered I 've always paid on time, usually more than the payment, that it was {$25.00} short. I also asked if they could reapply the extra {$50.00} from XX/XX/XXXX to XX/XX/XXXX to cover escrow and then reapply my XX/XX/XXXX payment. They claim by law they can not do that, will not escalate my calls and frankly this is not a black and white issue. I 've talked to a number of financial institutions and DITECH has options to help me, I gave them an easy method to reapply payments, but they just choose not to do anything to help out a long time customer. They have a very rude customer service. My credit score which was well over 700 dropped by 50 points. I 've worked hard on my credit and I find this very unfair and any reasonable person would agree.
HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points
I requested pursuant to our CFPB Regulation Z, 12 CFR 1026.39, Mortgage transfer disclosures information on my loan.The mortgage servicer Specialized Loan Servicing is not providing the name of the new investor for the loan. 
I also request the date the mortgage and note was transferred or placed into the Trust XXXX as Trustee Relating to the XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX pursuant to CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ), Specialized Loan Servicing is not providing this requested information.