WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.
I filed a dispute with XXXX for 3 separate bills reported from the XXXX XXXX XXXX  South Carolina on XX/XX/2014in the amounts of {$170.00}, {$300.00}, and {$210.00}.

I never received mail or phone calls regarding this debt. I only learned of it through checking my credit score on XXXX XXXX. I filed the dispure because I have no recollection of being treated at this facility or ever even being there for that matter. I asked for some type of documentation that I was at that facility such as a photo ID or anything and they were unable to provide me with anything.

I filed the dispute via mail. These derogatory marks were soon cleared from my XXXX report but have since remained on my XXXX  report more than a year later.
GM Financial is refusing to take off incorrect information from my Credit Report.. back in XX/XX/2017 I went to court for a Car Loan that I was being sued for. I had no idea that I was listed as a co buyer for this Loan until I was served with court papers. I went to court and explained to the judge that the information was not mine and I didn't know of this until I was served the signature didn't belong to me. 
I never agreed to be a co buyer for any Vehicle. 
The Judge dismissed the case against me without prejudice.. I submitted disputes with all Three Credit agencies yet XXXX   has refused to remove it from my report, stating that GM Financial said that the information is correct and therefore can not remove it.. I can't understand why this is possible because XXXX and XXXX has already removed the information from my Credit Report.
On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.
I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.
My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender? 

My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX  school, and working at a XXXX ( 13 month temporary paid job ). 

I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship. 

As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process. 

I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review. 

I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers. 

In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.
A bank has tried to access my Equifax score but it shows them theres an error on the system. They called me stating that there was a lock on my Equifax report. I called Equifax and the first representative told me there was no problem with my credit report. I was told to verify everything regarding, name, address, and other personal info with my bank. After contacting my bank all info they have is correct. 

I called Equifax a second, third, and forth time. This time the representatives said they had no record of me ever having an Equifax report. They asked me if I have ever gotten a loan, credit report from them and even if I had a credit card. All which I responded yes. They still weren't able to find me in there system. They say that they have no record of me ever having credit with them. 

I have in the past 6 months gotten my credit checked without a problem. I also have access to my XXXX XXXX account which shows my suggested Equifax score. explained all this to the representatives which barely spoke XXXX. Apparently they did not know how to further investigate this issue.
I contacted all 3 credit bureaus advising them that I was XXXX and a victim of identity theft. And sent them proof ( XXXX number ) which they can look up. I sent power of attorney to release any validation. I never received, and even if they did not want to release information to 3rd party they still had a responsibility to send me information. 
Its been months and XXXX is still reporting on my credit by : DIVERSIFIED CONSULTANTS for {$1800.00}
Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications
My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point.
I have tried to hsve my payments lowered multiple times but was steered towards forbearance and given no other repayment options.
On XX/XX/XXXX I filed a complaint because of XXXX XXXX was charging me interest. I received notification from XXXX XXXX of a courtesy credit refunding the interest that I had been erroneously charged. Since then I have made on time payments, totaling over {$790.00} in credits to my account. In XX/XX/XXXX My Credit Limit was decreased from {$3500.00} to {$2000.00}. On XX/XX/XXXX my payment of {$400.00} was posted to my account, bringing my balance {$990.00}, with a credit limit of {$2000.00}. I had finally received less than 50 % of Credit Limit. I am making payments to decrease the balance, and when I finally get ahead they keep decreasing my Credit Limit to keep my balance high. I have Interest Deferred Promotions, but the multiple Credit Limit Decreases are ruining my credit rating. On the XXXX XXXX statement dated XX/XX/XXXX, my limit has been decreased to {$1500.00} by XXXX XXXX again, twice during the period from XX/XX/XXXX-XX/XX/XXXX. 
The credit limit decrease now reports me has charging 66 % of the Credit Limit. Despite my account activity, and aggressively paying more than the minimum amount due. I feel as if this is reprisal due to the complaint I filed previously against XXXX XXXX-XXXX. This change on my Credit Limit has adversely effected my credit. Im paying on this account but the Credit Limit decreasing inaccurately capture that I have a high balance. I have had multiple Credit Reporting Disputes that have been corrected and updated. XXXX XXXX has lowered my Credit Limit based on fraudulent and inaccurate information, but I am the one who is being effected the most.
I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them
Upon looking at my account i noticed that I have over 13 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through TransUnion directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX We called in again today to get a status on the HUD approval for closing. We were informed that even though we submitted documents on Tuesday XXXX/XXXX/XXXX nothing has been done on the file for the last week and has not even been submitted for closing approval. 

I was transferred to XXXX XXXX in the Escalations Department. She said she could not do anything except make sure that the closer communicated to us. She denied any knowledge of TRID. She denied any knowledge of the CFPB. She did not care that the Chase-required 72 hours for closing approval has long since passed. 

It is obvious at this point that Chase is so understaffed they are not even able to perform basic supervisory functions and train their staff appropriately. 

She then went on to question why we would schedule a date for closing when we didnt have HUD approval yet. It is obvious from this question she has no training on closing procedures for real estate transactions. 

Isnt there anyone that can do anything about the egregious lack of training and supervision at Chase?
This has been an ongoing problem with Greentree Financial who took over our loan from XXXX XXXX XXXX. It started with a payment they said was not received XX/XX/XXXX. We were besieged with harassing calls, up to 10 a day from them about our late payment and they were asking for our bank information etc. It was different people every time & kept us on the phone and got increasingly aggressive in their manner. We stopped taking any calls through XX/XX/XXXX because of their harassment. We stopped payment on the check presuming it was lost etc, but refused to give these people any info, or go online with our banking information as it seemed very strange behavior. We received a letter saying THEY had received the check on time, however they never refunded us the over charge! Since that time I have been sending all payments with a flat rate envelope costing {$6.00} per month which has tracking on it. This prior month they AGAIN charged us with a late fee saying the check was not received though USPS says it was delivered 5 days ahead of schedule to their PO Box . This is a continual pattern, obviously with these lenders. I have verifying paper trail proving these above allegations. I did notify them with this complaint & all we got was a letter back saying " they were n't responsible for mail delivery. '' All I wanted was your address to send you our documentation, but this was a concerted effort to steal our personal information to do an identity theft since they never said their calls were " recorded '' etc and they acknowledge, in writing they had our payment. No other explanation seems reasonable. But their ongoing attempt to access late payments that were not late shows a blatant attempt at on going extortion. These payments put unwarranted money into their bottom line. It is not enough to pay your debts on time anymore even with proof of delivery, costing more money for the consumer. We never contracted with these lenders-why is it we have to be wasting out time, energy and money having to put up with them continually stealing our resources?? Why our these loans ALLOWED to be sold to these liars, cheats and thief 's? I reiterate ; I have a paper trail proving my allegations and my letter to them and their response.
My Student Loan servicer is FedLoan Servicing. Recently, I submitted standing instructions to ensure that any additional payments I made on my loan were sent to the loan with the highest outstanding balance. What I was not aware of was that while I am in deferment, this would automatically send all my payments to one loan and would void my instructions for the distribution of funds to be allocated over all of my loans.
When I caught this discrepancy, I contacted the servicer to change the payments and then to have the instructions suspended while I am in deferment ( I do not want the interest of my loans to increase if I can pay it off ). However, it is taking an extremely long time to have this issue fixed. Why should it take 10 days to have the funds reallocated when it only takes one business day to take the funds form my checking account? 

Furthermore, at the instructions of the representative I spoke with, I submitted a secure email, through the proper channels, on ( XXXX/XXXX/XXXX ) to have my standing instructions suspended. I have attached an email confirmation that these instructions were received. I chatted with a representative today ( XXXX/XXXX/XXXX ) and have attached the transcript of the chat. They have no record of my request. While this is happening, the interest on my accounts grows. 

I do not want to pay extra because the servicer is being negligent. Now that they can not find my instructions, I had to resubmit them today and start the entire ten ( 10 ) business day waiting period over. This is an unfair, deceptive, abusive act and practice and needs to be addressed.
On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. 
I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.
We have a loan managed by XXXX. We took out the loan when our youngest daughter was in college. She graduated in 2009. Our payment due date is the XX/XX/XXXX of the month. Today when I logged on to schedule the payment for the XX/XX/XXXX, the site reported that the account was delinquent on XX/XX/XXXX. Really? One day past due? 

Here is the letter I sent this morning : " I have repeatedly asked that you change my due date to the XX/XX/XXXX of each month as that is the day I get paid, and sometimes ( on a month in which I have three mortgage payments due ) I can not pay you until the XX/XX/XXXX. My account becomes overdue or delinquent one day past the due date? is that even legal? 

Please change my due date for my loan payment from the XX/XX/XXXX of the month to the XX/XX/XXXX. '' I can not seem to get any satisfaction from this company, even for the small change I am requesting.
My ex-husband remarried and his new wife 's name is XXXX XXXX XXXX. They lived in the same house he and I lived in 6 years ago. For the past 2+ years Equifax has been allowing her negative accounts to go onto my credit report. I have contacted them numerous times about making the companies provide the middle name and social before placing on my report. They keep telling me to file dispute after dispute and contact said companies myself. I was under the impression that credit reports were secure and no one else would have access to my information. Equifax is the only XXXX of the XXXX companies that allow inaccurate information on my report. I am also worried that my account information is being placed on her report giving her access to my financial information. Is there any action I can take to force them to stop allowing the erroneous information on my credit report?
Hard inquiry on my report from Ally financial due to the misuse and abuse of credit information by XXXX XXXX XXXX XXXX. Have attempted since XX/XX/2018 to resolve issue with both parties to no success. XXXX XXXX will no longer answer or return my calls. I have filed two complaints with FL Consumer services department with no resolve. Merchant continues to fail to correct error.
My insurance company made a mistake between my son and me for a wellness visit that is 100 % covered. This debt was from XXXX XXXX XXXX and purchased by XXXX XXXX. After speaking with my medical insurance this bill was 100 % paid for though the collection agency is not willing to speak with the company they have sold the bill to XXXX XXXX. I have contacted XXXX XXXX XXXX who has confirmed that this bill was paid though cmre will not accept this. The company is XXXX and the bill is from XXXX XXXX. What can I do to resolve this as a customer I am confused as to why the collection company is unwilling to work with me on a paid bill. If I did not pay the bill they would contact me several times a day though for something paid by my insurance they can not work with me. 

XXXX XXXX
BETWEEN THE DATES OF XX/XX/2017 AND XX/XX/2017 TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT, I HAVE BEEN GRAVELY AFFECTED. XXXX COLLECTION ACCOUNT AND XXXX INQUIRIES WAS DELETED THEN ADDED BACK ONTO MY CREDIT REPORT. TRANSUNION HAD FIVE DAYS TO NOTIFY ME ABOUT THIS REINSERTION. NO NOTICE WAS EVER GIVEN WHICH IS A VIOLATION AND I AM REQUESTING THAT THE COLLECTION ACCOUNT AND ALL INQUIRIES LISTED BELOW BE REMOVED. 
COLLECTIONS : 1. XXXX INQUIRIES : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX
Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on.
Equifax XXXX  and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXXXXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my Equifax and XXXX and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.