WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.
I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.
My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. 

My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home.
I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX  have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.
My credit card was opened in XXXX. At some point in XXXX, electronic delivery of my statements was activated without my permission and I failed to receive notification that my account was overdue. They never attempted to contact me via United States Postal Service. I became aware of the unpaid balance when I got a copy of my credit report showing the 30-day delinquency in XXXX XXXX.
I used an XXXX in which my health insurance covered and I paid the copay right then and there and now I believe this is the XXXX company that has somehow found out about that visit and is calling/mailing me for a collection of medical debt I never owed.I 've checked online with my insurance company and I do not owe any debt for it. Nor do I see any of this " debt '' on my credit report. I 'm not a person that typically likes to owe money to anything so it 's very weird that I keep getting these past due balance letters and calls. So I can only assume this is a very realistic scam.
i had an original complaint about the loan stating that XXXX XXXX XXXX, complaint number XXXX. after being in court today, XX/XX/XXXX, i have been told by the attornies that XXXX XXXX XXXX was not the bank that foreclosed. the bank is XXXX XXXX XXXX XXXX, so i would like to open a new complaint against them. they foreclosed on a fraudulent and predatory loan that somehow they acquired. the issues are still the same, terms agreed upon were changed by the home lender, XXXX XXXX XXXX, during the document signing. with the terms changed it made this loan unpayable. the truth in lending act was violated and numerous other violations were done. i have a forensic audit on the loan proving this. the company XXXX XXXX XXXX went bankrupt in XX/XX/XXXX after writing multiple bad loans. i should not have lost my house, it is now up to XXXX XXXX XXXX to correct this miscarriage of justice. i need answers quickly, i can not wait 60 days. the new owner is pushing for eviction. i need all matters involving my house to be reversed by the government. please call me @ XXXX or e-mail me, XXXX this matter is very urgent
My homeowners insurance is paid from escrow. My lender failed to send payment to right address ( no fault of mine ). The payment was sent back. Lender did not notify me or send any letter out. They simply let my insurance cancel. This was not discovered until XXXX 2017 when a trampoline blew into my house and fence. I found out from XXXX XXXX  when I tried to file a claim. I called rushmore ( my lender ). And they admitted their mistake and said they would make me whole. It should be noted at this time there was no forced policy in place by rushmore. My policy rushmore let lapse was only a XXXX deductible. Under my policy my fence would have been covered. Rushmore sent out an appraisal person. Still it should be noted NO FORCED POLICY BY RUSHMORE. Still assured by rushmore I would be made whole according to the policy they did not pay for me. Finally a forced policy was placed and back dated by rushmore. The policy had a ridiculous XXXX deductible. And would not cover my fence which was cover under my policy they failed to pay or follow up on. So after the fact including appraisal. They got themselves out of paying me anything because of the ridiculous policy they made up. This is fraudulent on their part.
I have a XXXX mileage plus credit card with JP Morgan Chase bank. In a recent event, I realize some terms on this credit card are not fair to the customer. In the term, Chase defined itself has the right to categorize " cash-like transaction '' as " cash advance '', after the actual transaction has been made, and without the notice or approval from the customer. 

Here are issues. 1st, the definition of " cash-like transaction '' is very ambiguous. Chase could explain it in any way favor the bank 's interest. 2nd, as most of credit card, a cash-advance limit is posted to protect the bank 's interest against the potential fraud causing by withdrawing large amount cash. However, this limit does n't apply to Chase. The bank can re-categorize a past credit transaction as " cash advance '', regardless the " cash-advance '' limit, the bank imposed on the customers. 3rd, Chase does n't notify or disclosure their behaviors of re-categorize a past credit transaction as " cash advance '', which causes the customer 3 % fee and extremely high interests, charging on the daily base. 

For instance, I made a credit transaction of $ XXXX. Chase fraud department sent SMS message to verify whether I acknowledge this transaction. I asked YES as I was aware of this credit purchasing transaction. However, after several days, without any notification, Chase re-categorized this credit transaction as " cash advance '', and charged 3 % fee and about 20 % interest on daily bases. I called the Chase customer service center. 1st they claimed that the merchant used wrong code to describe this transaction, thus Chase asked me to contact merchant to fix it. I contacted the merchant, which stated it did n't have the capability to charge the cash-advance on a credit card. Then I called the Chase customer service center 2nd time. This time Chase admitted the transaction was coming in as credit purchase, then Chase felt it was " cash-like transaction '', thus Chase re-categorize it as " cash advance ''. 

I argued for XXXX issues:1 ) Can Chase be the only one determine the nature of the transaction based on its ambiguous definition? Chase said " YES '' 2 ) Does customer have the right to know and react to post-transaction treatment? Chase insinuated " NO '' Hereby, I file this complaint of Chase credit card service, which violated my right not disclosing the sufficient information prior any changes on my credit card transaction ; and commit a potential fraud of stealing $ XXXX cash by forging such document to show I borrowed XXXX cash from the Chase bank.
I became aware of the data breach at Equifax on XXXX XXXX, 2017. The data breach occurred between XX/XX/XXXX and XX/XX/XXXX, and they just released the info to the public. I have since put a 90 day fraud alert on my file and checked my credit report to make sure everything is the way it should be. Equifax allowing hackers to have access to my information ( along with the information of over 100 million others ) for months is incredibly irresponsible and reckless.
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to Equifax disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans  aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later.  Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
I ordered a free credit report from TransUnion. It states I have accounts with " XXXX XXXX '' and " XXXX XXXX ''. I called TransUnion to dispute these. I talked with " XXXX '' at XXXX ''. He told me there is no listing on my TransUnion credit report that states I have accounts with these companies, however, that is not what my report states ( that I just printed out before calling TransUnion XXXX. What can I do if my report states something the Credit Bureau states it does not contain?
I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.
Bebit was closed in XXXX  balance no payment was missing improper reporting to all 3 credit inquiries pls remove well fargo card service
Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?
I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. 
During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. 
I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. 
Can you help me in some way
I received a letter from a debt collector trying to collect a debt that I received a XXXX for. They never put in writing I can dispute the debt only a payment option.
Debt was acquired under an inaccurate/false charge. 
I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. 
Debt is in collection and effecting my credit.
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
In XXXX XXXX we started modification on our home mortgage with Ocwen Financial. They drug their feet so long we finally had to file for a chapter XXXX BK in XXXX XXXX. It was discharged in XXXX XXXX. The following year, XXXX XXXX, they decided they would modify our home loan. From XXXX to current we have rebuilt our credit and have been current on the loan to this date. 

We are in the process of refinancing the loan to gain a lower interest rate. When we pulled our title we saw the XXXX was never released as a current lien. We have been waiting to close since XXXX XXXX, XXXX but ca n't until Ocwen gives us a release of lien. 

As per the statue of limitations ( 5 years of none collection ) it has been since XXXX XXXX, XXXX was the last recorded payment which is 8 years. Plus the XXXX was included in our chapter XXXX bankruptcy. 

Our attorney sent them a demand letter XXXX XXXX, XXXX stating the Idaho code section 6-411, 5-214A and 6-413 to remove the deed of trust ( XXXX ) and gave them 10 days to deliver. They sent us a letter saying they needed until XXXX XXXX to accomplish this. XXXX XXXX we got another letter extending to XXXX XXXX, XXXX. XXXX XXXX came and went and no release of lien and not letter explaining why. 

I have called them numerous times and only get a voice mail. We are against the wall as they are not adhering to Idaho Code and Bankruptcy laws. 

Please help us obtain our objective. 

Thank you XXXX XXXX XXXX
XXXX XXXX, XXXX FRAUD ALERT. 
Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. 
I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. 
I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. 
In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. 
I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX
I have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX
Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.
I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.
We did a wire transfer to pay off our Mortgage with Nationstar Mortgage for XX/XX/XXXX they are charging us interest for the month of XXXX and it appears they took the PMI payment out of our escrow We contacted them and asked why this was not processed on the XXXX and we were told it would be done on the XXXX and release the lien and keep our interest. once they were further questioned we were put on hold and they did not return