WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a trial modification with Select Portfolio Servicing under the Tier XXXX modification program and was told this would be based off a 2 % rate for first 5 years and it would step up to the XXXX XXXX rate after that. When I received the final modification documentation I was offered a 5 % interest rate instead with a large balloon payment as a deferred balance. In the most recent verion of the XXXX handbook under XXXX XXXX it clearly states that in order to acheive the 31 % of the monthly gross income as a monthly payment, the lender is to first reduce the interest rate down to 2 %. 

" XXXX Step XXXX -- Interest Rate Reduction In the second step, the servicer reduces the starting interest rate in increments of XXXX percent to get as close as possible to the target monthly mortgage payment ratio. The interest rate floor is XXXX percent. If a borrower has an ARM or interest-only mortgage, the existing interest rate will convert to a fixed interest rate, fully amortizing loan. 
If the loan is a fixed rate mortgage or an adjustable-rate mortgage, the starting interest rate is the current interest rate. If the loan is a Reset ARM, the starting interest rate is the Reset Interest Rate if it is within 120 days of reset. 
If the current mortgage rate ( or the ARM reset rate, if applicable ) is not at a XXXX percentage point increment, servicers should not round the interest rate first. Begin with the un-rounded rate and reduce it in XXXX percentage-point increments until the target monthly mortgage payment ratio is achieved. Upon reaching the point where a further XXXX percentage-point increment will reduce the rate below XXXX percent, set the rate to exactly XXXX percent with no term extension and determine if the target monthly mortgage payment ratio is achieved. If it is not, move to the next step of the waterfall ( term extension ). The interest rate must be fully reduced to XXXX percent prior to any term extension. 
For example, test for the target monthly mortgage payment ratio at XXXX percent ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, fix the rate at XXXX percent and move to the term extension step of the waterfall. 
If the resulting rate is below the Interest Rate Cap ( as defined in XXXX XXXX ), this reduced rate will be in effect for the first five years. This is followed by annual increases of XXXX percent per year ( or such lesser amount as may be needed ) until the interest rate reaches the Interest Rate Cap, at which time the rate will be fixed for the remaining loan term. 
If the resulting rate exceeds the Interest Rate Cap, then that rate is the permanent rate. '' It is clearly defined that the rate is to be reduced down to 2 % before moving on to any type of deferral of principal or any other steps in the waterfall process. PLEASE HELP!!!
I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.
I have several inquirer 's that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Experian is stating that " inquiries are a factual record of file '' How are these factual when I have contacted the creditors and have no account. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.
My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself. 

I have tried to reach Suntrust online and by their customer service number, but was unable. 

I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.
I have a company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ny XXXX Says I owe a debt to XXXX XXXX XXXX XXXX file number XXXX i have never stepped foot in a prohealth care facility in my life
Billed by second of two debt collection agencies retained by XXXX XXXX, XXXX. Membership was canceled with written notice via the terms specified by the club membership. XXXX XXXX XXXX  canceled billing agreement. XXXX XXXX continued to try and bill me after membership canceled. I owe nothing. They turned this matter over to a debt collection agency.
My student loan was sent to a collection agency XX/XX/XXXX. 
I have been making XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called XXXX XXXX XXXX XXXX, the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my 401K, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from XXXX XXXX , XXXX, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told XXXX, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just one month of no payment since outrageous. Further, it is unclear if Access group, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
bank of America is calling my home ever day and night threating me and my wife.be cause we paying the morage late .one month late because I get pay every two week.i informend theme about a 100 time that I am the only one work .my wife is very sick. she wont be going back to work. she file for s.s.but she still waiting.they are making threat.thatthey are going to come to my home.XXXX.send cop sand they also got the XXXX.calling and making threat.
I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.
I originated a XXXX mortgage with XXXX in 2015. I setup the draft date for the XXXX of each month. In XXXX 2015 Loancare took over the loan. Loancare did not draft on the XXXX so I called them on XXXX XXXX. They found the error then drafted {$3200.00} on the XXXX and again on the XXXX. I have spent hours on the phone trying to get this resolved. Loancare said at this point my account would not be drafted again until the XXXX of XXXX. They then drafted my account again XXXX XXXX. Loancare wants me to prove to them that my account was drafted XXXX times in XXXX. I sent them my bank statement and now they want to see my account balance. I have attempted to speak with a supervisor but Loancare continues to disconnect me after a long hold time. Can you please help me with issue?
On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.
when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! 
same with email and phone request code opt.
this is not a duplicate request. 

I received documented proof of my XXXX  student loan accounts being in forebaerance from the XXXX company a couple of weeks ago, I submitted that proof to the Experian, XXXX and XXXX   company to have the incorrect late payment status for the months that the loan was in forbearance status to have my file corrected, I will attach the letter sent to me by the XXXX company again, which shows proof that this loan was in forbearance status from the company themselves. I will attach proof that the XXXX and XXXX company have corrected my record, but the Experian company continues to report these wrongfully reporting late payment dates even after receiving the same documents that was validated by the XXXX company to XXXX and XXXX, also experience is doing the same thing with the wrongfully reported chapter XXXX bankruptcy on my name. XXXX and XXXX have corrected the record for this and Experian has not. I will attach all the same info that I sent time and time again to the Experian company to show proof that they continue to do what they want and not what the law say, and I will also point out that this is considered slander of my name. please remove these inaccurately reporting lates from the navient company and the inaccurately reporting chaptyer XXXX bankruptcy
I have supplied Equifax with evidence, several times, that both of my tax liens have been paid. They have still not updated my credit report. Equifax is the only reporting service showing these liens in an unpaid status.
In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... 
.The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....
i was charged an annual fee end of XXXX on a few of my cards by american express and in the begining of XXXX they closed my accounts so i asked them to return my annual fees if they decided they dont want to provide me service anymore but was told its non refundable they shouldnt be able to take my annual fees and close my cards
I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify.
XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
There is a strange name associated with my Transunion credit report. The name " XXXX XXXX XXXX '' is unknown to me.
I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online.
This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
I am not affiliated with the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, OH   XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX  , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the Identity Affidavit.
First Tennes see Bank allowed their employees to take a deduction when I withdraw funds.  In  XX/XX/XXXX  I made a withdrawal in the amount of $  XXXX .Someone withdrew the same amount on  XX/XX/XXXX . I made my withdrawal on   XX/XX/XXXX .  On  XX/XX/XXXX  the bank shows the withdrawal as being misc debit. I ap plied for health care with  XXXX   XXXX   XXXX   XXXX  it was taken from me. Others are using this health care. I paid for  XXXX   XXXX  it was taken from me. Everything I apply for is taken.
PayPal withdrew money from my account erroneously and they are refusing to credit my account back. I spent hours on the phone with a rep. Every time I was transferred to a supervisor I was disconnected. It looks to me from my account activity that they put in a bad system fix ( I used to XXXX XXXX XXXX when I worked for XXXX   ). They are calling it a balance adjustment but it is theft. They wont help make this right and Ive spoken with several others with this exact problem. Some are speaking with attorneys but I thought that this bureau is just the place to make thus kind of a complaint known.
Bank of America and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. Bank of America 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff.
I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.
We attempted to purchase a XXXX  XXXX XXXX through XXXX  XXXX XXXX. When the item never showed up we cancelled the order on XX/XX/XXXX. We were advised that it would be processed and we would not be charged but it could take 2-3 weeks to process. The refund number is XXXX and XXXX. On XX/XX/XXXX we received another bill from XXXX  XXXX XXXX ( 2nd billing ) now also including late charges for an item we never received and was to be cancelled. We have contacted the finance area and customer service and are getting no help in getting this resolved. As of today it has been 33 days since we cancelled this and we are still being charged billed for financing on a product we don't have. If this is not resolved in the next 10 days this could result in late payment reporting on our credit bureau. This is not acceptable and has been a horrible customer experience. No one from the sale/customer service or returns area is wiling to assist with the financing area and the financing area continues to say it is the returns area. They are pointing fingers at one another when we are the customer stuck in the middle. I have attempted to also escalate this to the corporate office and they also would not help or provide any contacts. The director of customer service refuses to take calls from customers.