WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Ref : SP Servicing ( SPS ) Account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX Dear Sir or Madam ; There are several main reasons for my personal hardship, with special emphasis on numbers 4-8 : 1. I was unemployed from XX/XX/XXXX until XX/XX/XXXX. I received unemployment compensation during that time, lived on my saving and still managed to pay the mortgages. 

2. The tenants for the property lease expired XX/XX/XXXX and I could not find a tenant after XX/XX/XXXX, after school started. School started early in XX/XX/XXXX, by XX/XX/XXXX. 

3. I suffered damage to my personal home from Hurricane Harvey.  FEMA did not pay and they referred me to the XXXX, who denied me a loan. 

4. I was granted a Hurricane Harvey Waiver through the XXXX  ( XXXX  ) HHW Program in XX/XX/XXXX, where 4 months of payment would be added to the end of the loan, and regular payment were to start XX/XX/XXXX. I made the XX/XX/XXXX payment early in XX/XX/XXXX. 

5. XXXX sold my loan to SPS and did not send over all my files, especially those documenting the XXXX HHW program. 

6. Without my knowledge, consent or discussing it with me prior to SPS taking other action, SPS put me into another program without discussing my options or attempting to locate the missing HHW program from XXXX. The SPS arrangement raised the payment from approximately {$2700.00} to {$3800.00} a month, which I can not afford. Now I am force to either sell the property or go into foreclosure. 

7. When I tried to make the payment for XX/XX/XXXX, when SPS told me they did not have a signed XXXX  HHW documents for me for the program nor an electronic copy. SPS claims they have no knowledge or paperwork related to the program and claim they have all related XXXX documents on my account. After having several conversations regarding this matter with them, the SPS representative stated they received all XXXX records in XX/XX/XXXX. Thats when it became clear to me XXXX did not relinquished all required files for me to SPS, or SPS loss key private documents in transits which violated the data privacy laws. 

8. Also, effective XX/XX/XXXX, the GDPR is in effect for European countries or US companies doing business globally, which XXXX fall into that category, probably SPS as well. Violating that law required mandatory data breach notification within 72 hours ( which I have not received ) and steep fines of up to 4 % of global revenues. 

I am formally requesting you contact XXXX for the approved Hurricane Harvey Waiver Program documents and honor them. I feel I am forced into this situation because both your organizations dropped the ball in completely transferring my files over, as required. SPS is forcing me to sell my house. If I were allowed to go through the CM-HHW program, with them placing the four months ( XX/XX/XXXX through XX/XX/XXXX ) at the end of the loan, I owe approximately {$10000.00} not {$24000.00}. Finally, I am only behind the {$10000.00} because SPS refused to take a normal payment of {$2700.00}. 
Thank you for your consideration. 

XXXX XXXX XXXX  XXXX, TX XXXX
Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017 by  certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i i ssued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Bank of America Visa card has been compromised again! Third or fourth time in as many years. Getting tired of this old story. BoA does not identify the problem merchant, or any other cause.
Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.
CBNA did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it
I received a letter stating I had 30 days to dispute the debt. Before the 30 days was even up, they placed the debt on my credit report. I called to ask if the debt would be removed from my credit report if I paid it in full and they said no! I was unaware I even had this medical bill initially and it was sent to collections before I ever had a chance to pay it. A medical bill for {$99.00} lowered my credit score XXXX points!
AR Resources Inc contacted me on my cell phone on XXXX/XXXX/15 claiming to be a debt collector, but they would not tell me who they represented until I verified my PII ( including the last XXXX of my social security number ), which I would not do because I know I have no outstanding debts. They refused to tell me who they represent, so I told them that was against the law and they ended the call. Friday XXXX/XXXX/15 I received a paper collection notice in the mail from AR Resources Inc, claiming to be collecting on behalf of XXXX in the amount of XXXX. I did have XXXX claims for that provider, XXXX on the date of service they listed ( XXXX/XXXX/15 ), but the amounts did not match either claim, both which have been paid. I logged into my insurance website to review my explanation of benefits. The standard charges for services rendered that date were XXXX and the contracted rate between XXXX and the provider was paid on XXXX/XXXX/15 in the amount of XXXX. This company is trying to collect the difference between the standard fee and the contracted fee the provider would charge, which is fraudulent. That amount does not exist to be collected by anyone, as the contracted rate between the insurance company and the provider has been paid. They were aggressive on the phone and refused to identify themselves and now, they are trying to collect on a debt that does not exist.
When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.
This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant XXXX
Not being allowed to have online access my credit information so that I can view the record and address any issues with disputed or incorrect information that is appearing within my credit profile ( s ). Being forced to make a phone call to address any issues and when that happens the issues are not address correctly and results in different credit report agencies reporting different identifying information of the same entity and or reporting the same incorrect information for different credit profile entity.
XXXXThis is my number which has the wrong bank name on it. I was never a customer of XXXX XXXX XXXX, that was my mother 's bank which I was writing about. 
Select Portfolio Servicing Inc. Account number XXXX is the bank at this moment. My home on their BPO is worth about XXXX. I have a deferred amount of XXXX, XXXX that is supposed to be paid back in 25 years. Which is not what I was told by XXXX on XX/XX/2014 This deferred amount was to be removed from the mortgage amount. XXXX, who had a suit won against them, sold my mortgage to XXXX who then sold it to Select Portfolio Servicing Inc . Somehow after speaking with XXXX, XXXX and Portfolio Inc. The documents for my deferred payment forgiven has been lost or somehow not attached to my file. The bank got a bail out and I am still stuck with a mortgage of XXXX and the house is worth only XXXX or less. Now Select Portfolio is saying I can get help through XXXX a new program that will give me XXXX to move. So why would I leave my home for XXXX when I have a mortgage payment of 2 %. If they are right they would remove the XXXX deferment
transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.
XXXX XXXX XXXX reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.
Hello, I am trying to repair my credit. I called XXXX XXXX. XXXX. Their phone number is XXXX, this is where I am being mislead and feel lied to. The recording states that you can pay by phone. I had changed my due date ( origional ) to the XXXX of the month. I received my first bill. I called to pay on XXXX/XXXX/15, thru my checking account. NOW I AM being told that there is a {$10.00} FEE to pay over the phone. They waived my first {$10.00} payment -- -I stated that the recording they play does not DEMAND ANY Mandatory FEE! Statement on phone says that you can pay {$10.00} -- IF YOU WANT your money 5 days earlier. I DO NOT!! I JUST WANTED TO PAY BY PHONE ON THE XXXX OF THE MONTH AND MY PAYMENT WOULD NOT BE LATE!!! OOOOOHHH NOOOO!!! XXXX states that if calling in by phone you will be charged {$10.00} even if you do not want your money available 5 days earlier. XXXX which I do not need ). 
I have asked to have my payment date changed back to its original date of XXXX or XXXX of the month. They will not change my payment date back -- -even though I EXPLAINED that their recording does NOT say MANDATORY {$10.00} charge to call in payments. I have closed my account due to the LIES and MISINFORMATION given initially -- -or I would not have accepted this card!! Their telephone number is XXXX, so that you may listen to recording -- -- LISTEN for mandatory payment of {$10.00}??? IT IS NOT THERE!!! They do not care ... I pay plus {$10.00} ... so my money is available 5 days earlier ... I do not want any money available 5 days earlier ... AND RECORDING DOES NOT STATE MANDATORY!!! Basically " too bad for you thats what it means. " -creditonebank-states! 
I am asking that you listen to the recording and check to see if you understand their recording and that you hear " MANDATORY '' ANYWHERE IN THAT MESSAGE??? I called them liars because that {$10.00} is NOT mandatory!! I also cancelled account because I DO NOT WANT TO TRY AND COPE WITH ANY LIARS!!! 
I feel they should write-off this account for the misinformation which started before I even received the card. I would NEVER have accepted this card if I had known they make up their own RULES as they go on. XXXX should XXXX BALANCE my account since it is all incorrect from the very BEGINNING!!! 
I have tried to change to later date but this is unacceptable to them and they will not change it back ... .continuing to tell me that the {$10.00} is a MANDATORY FEE!!! LIARS!!!!! Please listen to message and let me know how you feel?? I feel lied to and mislead, while my only intention is trying to improve my credit scores. -Customer service : XXXX. Misleading recording and information from agents ... .until trying to make my first payment -- IT IS A MANDATORY FEE!!! RECORDING SAYS NOOO SUCH THING!! 
I thank you in advance for any and all help you might be able to help me with this " mandatory '' problem!!!
good morning 3 years I got control of my house through the court. my ex husband has no say so on I what can do. I was trying my best in responding with owcen I had mailed and fax, scan with all the paperwork I was required for loan modification. all I want is to pay on the house in three years I maintain the house inside and out still no word. I mention to them if anything is mailed with XXXX XXXX XXXX on it I will not see it. he filed for bankrupt which I did not know. Saturday this lady drop by house telling me the is on forecloser and they suing me, my ex-husband and hud, I had wrote to Hud and they told me to contact your service. let me know if I need to get a lawyer, I want to stay at my home. I feel this is injustice when all I want to pay. this is my ocwen acct # XXXX. thank you
I am XXXX years old. Eveytime I get my credit report, my mother 's name is listed as a XXXX name on it.
Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.
My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed. 

I have reached out to CapitalOne via mail and phone with no response. 

Your help in resolving this matter is greatly appreciated. 


Thank You.
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/XXXX XXXX
My husband and I applied for loan modification maybe XXXX times in the past XXXX years. The bank will notify us to apply and we did. Then all papers are requested and we always comply, submit the required papers. The bank will request for more and we find it is already too much. We check the requirements but they always have additional requests. Then the result is nothing, they do not inform us the outcome. What happens in the next bill is an increase of our monthly payment. So we complain because our intention for the modification was to lower the monthly payment. What I noticed was no papers sent to us about our application. We pay the new higher payment. What I noticed in this application processes is the equity is gone each time we apply for the modification. Applications were all at their behest. I think it was last year that they increased again the monthly payment. For the XXXX changes, it was like from {$1300.00} to {$1600.00}. In the last application a form for a loan was included for us to fill up and send back to them. It stated, we are applying for a loan thru ' HUD and the bank will get the proceeds but they will add it to our loan. They told us it will be included at the end of the loan. The last time I knew our balance was less than {$100000.00}. My husband had a XXXX mortgage and he requested help from some church group who were helping borrowers having financial difficulties due to job loss. From then on we really did not have any idea as to how much our balance was. Now the bank is trying to foreclose our only home and I 'm scared to death we might be homeless. I am fully retired and my husband is still working because of the property. We are trying to save it. We were up to date even with the increased monthly payment. Until XX/XX/XXXX we were able to pay them. When we went to the bank to pay for XX/XX/XXXX the bank did n't accept. My husband called their loan dept. reason they did not want to accept was they were foreclosing it. 

Also, in their notice of foreclosure I noticed another couple was in the list who were also notified of the foreclosure. I am in a quandary. I would like to know how it happened that there was another couple added with us. I know we are the only XXXX paying the mortgage. Please if you can look into this. I am desperate. 
if you can dig from the time my husband requested a church group helping hand please. I will send the supporting papers by fax tomorrow, I do n't know how to attach. My husband will fax to your office tomorrow from his work. 

We are now in foreclosure and we have a lawyer helping us. But the solution is, to me embarrassing. If we could save the house for now to have time as to the best move. I had your office in mind since last year when I read about the bureau from XXXX. I could not muster thinking of bad thoughts. But I was really glad to learn you are there for us. 

Thank you very much, I remain very respectfully yours, XXXX
I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX
a fraudulent check was issued to XXXX XXXX XXXX in the amount of {$260.00} Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current owner XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC Acct # XXXX
XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families.
From  XXXX  to  XXXX  of  XXXX ,  Borrower  made timely payments on his mortgage loan of {$150000.00}. In  XXXX , Borrower lost his normal monthly income when he was undergoing treatment for  XXXX   XXXX   XXXX   XXXX . When he realize d he could no longer make monthly payments, he submitted a comprehensive package of financial, medical, and tax documents, exactly as prescribed by Lender, requesting a temporary forbearance on monthly payments. The Lender failed to communicate effectively with the Borrower, despite numerous telephone calls attempting to speak to an employee with adequate training that would enable them to understand the facts of the situation. Several Lender clerical-level workers communicated with Borrower suggesting refinancing, a solution totally inconsistent with Borrowers medical circumstances, income outlook, and posture of being under a tax lien. Borrower wanted to discuss a deed-in-lieu of foreclosure as it relates to a federal tax lien. However, no one with sufficient knowledge of either DIL or liens would contact Borrower by telepho ne. In  XXXX   XXXX , afte r four payments were missed, Lender filed foreclosure papers in court. It is maddening that no one from Lender, with appropriate experience and authority, will contact Borrower as requested ; no one from Lender acknowledged the facts presented in the forbearance application in fashioning foreclosure alternatives ; and that Lender essentially behaved as if they were a computer program, spitting out notices to Borrower following a sequence of steps that were heedless of Borrowers circumstances.
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. 
In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. 
Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. 
Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. 
I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. 
Thank you so much,
claims we owe {$2000.00} for no services rendered never provided proof in 3 moths in violation section 809 Fair Debt Act
My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?
Navient is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.