WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.
I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that XXXX was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.
Ditech financial was servicing my mortgage at the time I sold my home on XXXX XXXX, 2016. I was told that the escrow check would be mailed out on XXXX XXXX and I needed to give XXXX10 business days for delivery. The check was never received On XXXX XXXX I called back and requested a stop-payment on the original check and requested a new escrow check. That check was never received. On XXXX XXXX I called back and requested an update. I was told that there was an error in processing all escrow checks for the company and the escrow check was being mailed on XXXX XXXX. As of XXXX XXXX, I still have not received my escrow refund. I was told by Ditech customer service that the check was mailed on XXXX XXXX and I need to wait 30 days before they will issue a stop payment and send another check. Customer service informed me that XXXX escrow checks were delayed by the error in processing.
Went to a Credit Union on XXXX to open a checking & credit card account in a new city where I accepted a promotion with my employer. The Credit Union tried to pull a credit report from Equifax using my social security numbet & last two addresses. Equifax came back & said that the social security number belongs to another customer. Equifax told us to fax a copy of my SS card & Driver 's License to them. The bank helped me do so on XX/XX/XXXX. Equifax stated that even if they receive a fax, that they would ignore it as I have nothing on file. I, again, called Equifax & they stated that I have no name, credit, employer for my SS # ... on file at all, but I had pulled a credit report from Equifax on myself in XX/XX/XXXX. The other 2 credit agencies have my credit info attached correctly to my SS #. I tried to place a dispute on line at Equifax, but there was nothing to dispute as tbey claim to have no information at all on me connected to my SS #. For them, I just do not seem to exist. Equifax asked me to send them a copy of one of their reports that I pulled but I shred them after I review them for accuracy.
Experian is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their report.
Brinks sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I also tried to email them at their customer service email, but the it was 'not delivered/returned a few days later ', so I tried another email they had listed on their site, and had no luck with that. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen, etc ).
XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.
90 days ago XXXX credit showed up on my experian credit report. This was after the same company tried to take money out of my bank account and I filed a police report. My bank then denied the company and reversed charges. 
I have NEVER had an account with XXXX credit. My purse was stolen in XX/XX/XXXX I don't know if that has anything to do with it, but I have disputed it with experian unsuccessfully and can not get a response from XXXX after emailing repeatedly. I would like this account immediately removed from my credit report.
Just trying to access my files on a third-party app to help me with budgeting my expenses
XXXX   app requests bank transaction status to deposit funds. App states that  Wells Fargo doesnt s end updated information in a timely manner.
OneMain Financial refuses to reclaim collateral that was discharged in my Chapter XXXX bankruptcy or release the lien on the collateral. I have contacted them several times and they continue to refuse reclamation or release of the lien. When informing them I would be returning the collateral at my own expense to their branch office as suggested by my Attorney they threatened I would be responsible for any fees they incur to move, store, dispose of the vehicle. 

I am not responsible for this legally discharged debt. OneMain is being vindictive by not reclaiming the collateral or releasing the lien so I can dispose of the collateral.
They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.
I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
I had 4 loans and after making payments I paid one off in full. There are 3 left and Navient service of these makes it difficult to repay. For starters everytime I try to make a payment there automated system hangs up on me and it takes 45 - 1hr trying to reach an actual person. I should not have to beg them to take my  payment? Secondly I feel they illegally cheat borrowers out of repayment rights through shortcuts and deception. I have been provided bad information, they have been processing payments incorrectly, and failing to act when I complain. Im a struggling borrower who has been cheated out of rights to lower repayments, which caused me to pay much more than they had to for their loans. Navient repeatedly misapplies or misallocates payments. Navient steers many into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Navients emails and annual renewal notice sent failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured renewal notices in emails sent that did not adequately alert them about the need to renew. Severely and permanently XXXX  borrowers have a right to seek loan forgiveness under the federal Total and Permanent Disability discharge program. I have been almost XXXX by being XXXX and the school has not taken this into account. Navient has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.
I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
PDQ Services Agency in XXXX, GA credit agency has submitted false documentation to the XXXX credit reporting agencies. PDQ lists the date of collection on all XXXX credit bureaus as XXXX XXXX. This date is inaccurate. PDQ sent the first collection letter on XXXX XXXX, XXXX with an erroneous amount owed of {$490.00}. I refused to pay the amount because it was inaccurate. I have a bill from the from Dr. 's office stating the correct amount of {$240.00}. Our medical insurance was billed, therefore, I did not pay. The bill was later turned over to collections. PDQ added this collection to my credit file at all XXXX agencies for a different amount of {$370.00} with a different reporting date on XXXX. PDQ is erroneously trying to illegally extend the period of collections by reporting the debt 2 years after the original communication. PDQ is also trying to collect more than the actual debt. PDQ sent the original collection letter on XXXX XXXX, XXXX yet I received an invoice from the Drs office on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. How can a debt be collected by XXXX different companies at the same time?
For the past month, I have been harassed over the phone by callers claiming to be from a company called Highpoint Asset. They claim they 're trying to collect a payday loan debt, but they have refused to provide me with a debt validation letter or any information about the original debt by mail. ( I took out some payday loans about 3 years ago, but those loans were all paid in full. ) On XXXX/XXXX/15 and XXXX/XXXX/15, I spoke with a representative who stated his name was " XXXX. '' He told me that he would mail written verification of the debt to me and I would receive it within 3-5 days ; I have never received it. He threatened me with legal action if I did not pay. The numbers that these callers have been calling from are : XXXX, XXXX, XXXX, and XXXX. The callers have also been calling my wife 's and my daughter 's cellphones, my sister-in-law 's cellphone, and my nephew 's cellphone. My wife has attempted to answer these calls to her cellphone, but when she is put on hold to speak with a representative, the phone is disconnected after about 1-2 minutes, so she has never been able to speak with an actual person. When I spoke with " XXXX '' on XXXX/XXXX/15, I told him to stop calling my wife 's and daughter 's cellphone numbers, and he stated that their phone numbers would be taken off my information ; however, my wife and daughter continued to get calls at least twice a day. When I spoke with " XXXX '' again on XXXX/XXXX/15, I told him that my wife and daughter were still getting phone calls, and he again said that their phone numbers would be taken off ; to this day, my wife and daughter continue to get phone calls on their cellphones. My family members and I have been receiving calls 1-2 times every day. My wife looked up the phone numbers that have been calling us, and was directed to public forum websites where numerous people have stated this company runs a payday loan scam. On XXXX of the forums, a person who said he was also harassed by Highpoint Asset stated that he researched the company and found an address for them : XXXX XXXX XXXX, XXXX, NY XXXX. He also stated that this address is the main business address for another company called XXXX XXXX , XXXX We have been informed that that XXXX XXXX has refused to provide any of their requisite operating information to the XXXX.
I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual checking account
I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another bank of america account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called bank of america and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another bank of america account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.
Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.
My loan was reported to the credit bureau as past due and I never received a past due notice or call to resolve the issue in a timely matter. I am not a chronic debtor and any reporting to the credit bureau should be communicated in proactive measure. I am disappointed in the service response in trying to resolve this matter. According to the creditor this is their policy and they are not required to inform me of the delinquency.
I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.
On XX/XX/2018 I received a derogatory mark on my credit report from Collection Company Waypoint on the behalf of XXXX XXXX XXXX. 

After making multiple attempts to contact XXXX. I finally received an answer that the derogatory mark was due to an account that has not been paid, totaling {$140.00}. The account was transferred to the owner of the home XXXX XXXX without my permission and I was unable to access the account. 

I do recall calling XXXX and them denying me to access the account to make payments or transfer account. 

A XXXX representative stated they have no records of the account other then a debt is owed.
There is a hard credit inquiry on my credit report that I never applied for. 
For : XXXX XXXX, 2017 Company CBNAXXXX National credit cards/ airlines CBNAXXXX XXXX, TN XXXX
I deposited a check into my checking account at my bank 's ( Bank of America ) ATM on XX/XX/XXXX. The bank put a hold on the check. They would not release ANY of the funds to me. I checked with the issuing bank for the deposited check and they deducted the funds from his bank on XX/XX/XXXX. I went into the branch where I deposited the funds and they said I have to call customer service, they have nothing to do with the ATM. It is BOA and they have nothing to do with the ATM at their branch! I have been calling the customer service number at BOA every day to ask them to release the funds and they keep giving me the run around that they have to verify the check, they don't have the funds from the issuing bank, the issuing bank has not informed them that the funds are available, the funds have to go through the Federal Reserve before it gets to them, they need to validate the funds from the paying bank, the check is still being verified, the funds have to be validated, etc. etc. etc. I have even spoken with several supervisors and they tell me the same thing. 

This is not the first time they have done this to me. I deposited a check from my mother to my account at a BOA ATM on or about XX/XX/XXXX ( I can get you exact dates if you need them ) and they deducted the funds from her account the next business day and they still did not release the funds to me until 10 days later.
Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.