WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was transferred on XXXX XXXX from one servicing company to another. However, my house was sold and the closing is scheduled for XXXX XXXX with the title company. This scheduling was done several weeks ago without any prior knowledge of the impending loan transfer. I received the letter of transfer on XXXX XXXX and when I contacted both servicers to receive a payoff statement, neither of them are able to provide it to me. The previous servicer says that the loan is already transferred and they do not have a way to send me a payoff statement anymore. The new servicer says that the loan boarding process is not complete and until it is in their system, they can not provide me with payoff statement or anything else related to the loan. 
Without this payoff statement, I will neither be able to close the sale of my current home on XXXX XXXX, nor close of the new home I am moving into which is scheduled for XXXX XXXX. This results in penalties on both contracts, as well additional charges related to change of schedule for movers, furniture delivery arrangements, utilities and various other logistics involved in moving from one house to another, not to mention the immense stress this is causing me. 
I feel that, as a consumer, I should n't have to suffer or deal with consequences that are a result of a loan servicing transfer between XXXX banks.
On XX/XX/2018 {$300.00} was sent from our Wells Fargo account through XXXX to a person supposedly named XXXX XXXX, whose email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my wife XXXX XXXX. That transfer occurred about XXXX XXXX   MST. The money was in exchange for 2 XXXX football tickets for XXXX XXXX & XXXX XXXX. The tickets were promised to be sent to my XXXX Account, but never were. 
My wife spoke with Wells Fargo and they said nothing could be done. They did not offer to identify the bank connected to the XXXX XXXX email. 
The tickets were advertised on XXXX XXXX. 
I spoke with customer service at XXXX to no avail ; they said it was Wells Fargos issue and would not identify the bank that was connected to the XXXX XXXX email in their system. I also informed XXXX of the fraudulent advertising. 
Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse us for this complaint. Thank you XXXX XXXX
keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.
I have sent several dispute letters to Transunion, and they continue to send me stall letters and not provide results. I have sent them all the documents they need several times, and they continue to stall.
All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight this.
Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.
My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.
Upon receiving my credit report. I noticed there were items on my report that wasn't mine. I immediately started a dispute with each credit bureau and the debt collection company XXXX. The item a XXXX bill was taken off of all of my reports, just to reappear under a different collection agency. I then sent a verification letter to the new collection agency Diversified Consaltants asking for verification and all I received was a statement, no SSN or and other legal verification and all they did was update to info on my credit report. I'm more than sure this is not enough to verify a debt
I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.
This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.
Our Company Advance Cash Express ( ACE ) has to recover the full amount due. Your case file # XXXX is handling by LEGAL DEPARTMENT OF ACE CASH EXPRESS and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file XXXX BEFORE WE DOWNLOAD YOUR CASE FILE # XXXX INTO THE COURT HOUSE. 
This is part of it. And here is the other part NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

I spoke with them there was never any money deposited to the account they were talking about. They could never prove and when said it was not me and couldnt have been cause that account was closed months before they told me that it wasnt true. So i have no idea what to do. If can help would be great
I logged into my Nelnet account today to this notice : At the end of XX/XX/XXXX, we changed how payments are allocated to help you pay down your loan ( s ) with the highest interest rate more quickly when you pay more than the current amount due. Get more details at Nelnet.comXXXX 

The relevant new section is here : Unless you direct your payment to an individual loan or group, the standard allocation method is as follows. After your current amount due is paid, payments are allocated across loans in repayment status starting with the highest interest rate. Once the loans in repayment status with the highest interest rate are paid in full, any remaining payment amount will be allocated across the loans with the next highest interest rate. If two or more loans in repayment status have the same highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount. 

When you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. 

Since your excess payment will continue to be applied to the loan group starting with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ** You have the option to request that we not advance your due date when you pay more than your current amount due. See Special Payment Instructions for more information. 
If you want your excess payment to continue to advance the due date of all of your loan groups in repayment status, you can direct your excess payments to all loan groups in repayment status, instead of targeting the loan group ( s ) with the highest interest rate, as a one-time or recurring special payment instruction. This will help keep the due dates for all loan groups aligned. 

My loans are in a graduated repayment plan, and I have already paid about 60 % of the balance of the loans in interest alone. Currently, I am attempting complete payoff, so I am ahead of my loan schedule by making monthly over payments. In my situation, Nelnet is using this new calculation method to capitalize interest on my larger loan balance while paying principle down on my smaller loan balance. The net result is that over the course of the loan, I will pay more total interest due to compounding the outstanding interest into the balance of the larger loan. In XX/XX/XXXX, approximately {$50.00} in interest was capitalized into my outstanding balance on my larger loan even though my payment was more than sufficient to cover the interest on both of my loans and pay down principal. In order to stop this compounding from occurring, individual users must " opt out '' of the new payment policy if they find themselves in similar circumstances. I have contacted Nelnet to personally opt out, but this practice is predatory.
Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX
I request validation of the debt reporting negative on my credit reporting from an agency, XXXX XXXX XXXX, {$970.00} acct # XXXX, who purchased the debt from XXXX XXXX original acct # XXXX XXXX XXXX XXXX XXXX, FL XXXX on numerous requests, last being XX/XX/XXXX. On XX/XX/XXXX I got a letter from XXXX XXXX XXXX of deletion they couldn't validate the debt, nor send me any information pertaining to this line of credit that they are reporting negatively on my credit reporting. I instructed and showed proof to all 3 major credit bureaus, as of today XXXX deleted it, however XXXX & XXXX still showing, they claim the creditor updated and all information is accurate and consumer still owes. I have no knowledge of this so called purchased fraud debt which XXXX XXXX is reporting. I also Filed with Federal Trade Commission as a result of this matter not being properly handled and Fraud was placed upon all 3 of my Credit Reportings.
Midland Credit Management , Inc have consistently harassed me to XXXX paying a debt which I do not owe nor have any responsibilities for. They persistently and aggressively report on my credit profile an account which other credit collection companies in the past, long deemed erroneuos mistake ; and have appropriately deleted off my credit profile and adjusted correctly with the XXXX major credit bureaus in my favour. 

This account they continue to aggressively report on my profile monthly is hindering and encumbering my ability to secure any measurable career. 

Sincerely, XXXX XXXX
I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are 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/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX
Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.
Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all
I opened a XXXX store credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
An auto payment of XXXX was processed by the American Express on XX/XX/XXXX ( 10 days before due. Somehow I set it that way because there was no option saying " pay on due day ''. It just allow you to setup autopay on 1-25 days after statement day. And no one was telling me due day is how many days after statement day ). However I did not have enough fund in the checking account it was withdrawing from. I haven't used this card or a long time and I total forgot the auto payment setting and I was planning to pay it before due. ( I scheduled a payment of XXXX on XX/XX/XXXX ) So I called American Express to stop the payment to avoid the overdrafting fee or returned payment fee. Amex said they could not stop it because it was all automatically processed plus it will make three attempts to withdraw the fund. I saw on my checking account that the withdraw was rejected and there was a XXXX  dollar return fee charge. Then on XX/XX/XXXX ( today ) Amex made another withdrawn request and I think it will be rejected and there is gon na be another XXXX  charge fee from my checking account. So I called Amex and asked them to stop the payment and I was told it can not be stopped and there will be another attempt on XX/XX/XXXXor XXXX   if this was rejected again. What I don't understand is that if there is no enough fund in the account why Amex kept trying it and for 3 times? It usually takes more than 3 days to transfer from banks to banks and sometimes if the amount is large it can take 5 days. Because of the setting of Amex I will be charged total of XXXX  dollars from XXXX XXXX ( my checking account ) which is unnecessary at least for the last 2 times. Further I don't know if Amex will charge me returned payment fee for 3 times. I already saw one of XXXX  dollars for the first attempt. there will probably 2 more. I feel like being ripped of by amex. I don't understand why Amex can not stop the autopay and why do they set it that way ( 3 times? Is that necessary )
Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX  which use XXXX  as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.
I am being contacted by Citizens Bank about a private student that was in my bankruptcy that was discharged in XX/XX/2018. When I called back to tell them it was in my bankruptcy the man argued with that private students loans can not be discharged in a bankruptcy, I asked him to stop calling my work number. I told him I would have my lawyer call them back, he told me I needed to give written consent for my lawyer to discuss this matter. I sent written consent but Citizens Bank told my lawyer they needed to have a power of attorney to discuss the matter with them. They have been calling me at my employment number every day even after I told them I can not take the calls, please stop calling my work number. And every action I take, sending written consent, etc they change what they require to have my lawyer tell them this was discharged in my bankruptcy and to stop contacting me about this. They are going to great lengths to avoid being told this is an invalid debt. Its getting ridoulous that this is continuing after they have been informed several times.