WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, we submitted our 1st hardship package to Roundpoint Mortgage as we had fell behind 1 mth. They continually lost paperwork, never called, or sent out letters ; unless I contacted them first. During the process, we were repeatedly told us that it was approved, and docs were being processed and would be mailed out. Later we find out we were denied, 1st letter stated that our only option was short sale or deed in lieu, as income was insufficient for other options. When I called to find out why, I was told to reapply. So, yet again, I submitted package. As this was in review, I spoke several time to loss mitigation and was told that, payment would not be accepted and they even went as far as locking us from our online account. During this review, we were informed by XXXX XXXX XXXX that they had submitted the home to foreclosure ... ... DUAL TRACKING ... .while we were in review for loss mitigation. 
Once I involved the VA, things appeared to be moving along. Then they continued with needing additional paperwork, which was submitted and EVERYONE giving me different answers, as our Point of Contact was never available. Finally, when we did receive our modification, it was {$30.00} less than our regular payment and that was due to a decrease by XXXX interest and taxes. Which, we took as we had no other alternatives. I was told that after modification was complete, credit would be rectified, as " missed '' payments were added to the end of the loan. After we submitted all the notarized paperwork in XXXX XXXX, I was informed that to this day we are still in active mitigation. I asked why and NO ONE can explain it. Due to their delays, we had to have a Monitored Disbursement on a Homeowners Insurance Claim and the Contractor was furious due to being told 1 thing and someone else saying otherwise. Credit has NOT been rectified as stated and we are still sitting in Active Mitigation.
I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.
I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX  opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
In XXXX I had trouble using the automated system, which resulted in me having to pay a fee by the time I got it to work. I assumed this was my fault. In XXXX, I attempted to pay by phone sometime between XXXX XXXX. I was then contacted by letter, saying that there were non sufficient funds for the payment. I checked my account to make sure there was n't a math error and to confirm that there were funds available. Once I confirmed this, I attempted to pay my payment again on XXXX/XXXX/15. I was contacted around the XX/XX/XXXX by phone, by the company and they stated that they had not received payment. I explained to them that I had tried to pay twice and that the funds are in my account. At that time, the representative told me that I entered my checking account number wrong ( both times, the exact same way ). I told him this was impossible, because I do not even key my checking account info in, and that I always just use what is on file. He refused to admit that there was any kind of glitch with their automated system. When I called to pay my payment in XXXX, I made sure to listen to the automated system when it asked me how I wanted to pay. It does not read me the entire account number, it only asks if I want to use the account ending in XXXX. There is no way I could have entered the information wrong, all I did was say yes that I wanted to use the account that is on file. Now they are trying to charge me {$15.00} for each time that the payment did n't go through ( even though it never even touched my bank account ), plus a late fee, plus they charged me extra to pay by phone because the payment was late. In all the total fees are nearly {$60.00}, even though I tried to make my payment twice before XXXX XXXX.
On XXXX XXXX I received a letter from XXXX located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with Walmart she then hung up the phone
i was in a auto accident on XX/XX/2014 i was taken to XXXX XXXX .This is a bill that they sent to collection. It was for XXXX & XXXX .I did call XXXX and told them that they would get paid when the case was settled, well they turn it over to Peter Roberts Assoc Inc for collection.i also talked to them and they said not to worry about it that when it got settled to contact them. It is still in my lawyers hands so It got on my credit report. I feel this should never happened I would like this matter taking off my credit report. This made my credit score go down. I always pay my bills and i`m proud to have great credit score
I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.
On XX/XX/XXXX2017 I called Navient my student loans provider to talk with them about my approximate monthly payment and the options for lowering my monthly payment once my grace period ends in XXXX. My family and I just moved from XXXX XXXX county in XXXX upon our completion of school to XXXX XXXX because we could no longer afford our bills, rent, etc. We had accumulated in {$8500.00} in credit card debt just to survive. We 've moved in with my family and are essentially homeless. We can not afford my {$590.00} payment for my private loans on top of the payments for my husband and my federal loans. I was told there are not really any long term solutions to help me, despite the fact we ca n't even afford a home to live in with our XXXX XXXX. The lady I spoke to was not accommodating to our situation and made it clear that I could not be helped with anything until XXXX XXXX, 2017. Simply, I can not afford my private student loans to Navient, and still be able to put food on the table for my family.
On XX/XX/XXXX, my home was approved for a short sale ; the sale was completed on XX/XX/XXXX. In XXXX of XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed. 

I spoke with XXXX  XXXX XXXX, who said they couldn't correct the error because I was no longer a customer. 

I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from XXXX XXXX XXXX stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
Chase Bank refused to participate in the HARP program, which would have provided me a mortgage reduction that would have changed my property from its current negative status to one with equity. The alternative they offered prevents me from borrowing any money on my home or participating in a reverse mortgage program. They reduced it on this end, but they are holding me hostage through a balloon payment due in the future. The original mortgage was XXXX. They are reducing it by XXXX per year over a three year period. However, there is a XXXX balloon payment that will bring the mortgage back up to over XXXX which is all the house is worth. They postponed the debt ; they did n't erase it.
I am being contacted at my place of employment after I have asked not to be. I offered a payment arrangement that was suitable to me and was laughed at and told " absolutely not ''. I was told that I needed to get a co singer to get a loan or sell something or take money from my XXXX to pay them. The representative kept using my occupation against me " you 're a supervisor then you should know this is irresponsible ''. After stating that I needed to get off the phone because I was at work I was told " you have to call me back today before XXXX, I know you get a break and a lunch ''. I replied that I had to run errands on my lunch and their reply was " they 're not more important than this matter '' an I said actually I have to pay bills on my lunch so yes they are, the reply I received was " I do n't care about your other bills ''. I was also told that there was an attorney present in their office numerous times which I 'm not sure what this had to do with.
Card was charged an air ticket purchase which was not made by me and the credit card company looked into it then came back saying it is me. I want them provide proof it was me but they refused to.
I originally purchased a car financed by XXXX XXXX XXXX. I had filed a BK XXXX and it was dismissed because I could n't complete payment plan established due to I was injured on the job. I was making on time payment up until the injury at work. After the BK was dismissed XXXX XXXX had the car towed by a tow company with a suspended license then repossessed the car. I was never informed about what happened to the car. I received notification that the debt was XXXX. I filed another complaint indicating that XXXX XXXX was still reporting the debt as missed payments when it was charged off. After reporting this to you FTC, they contacted me to explain why the amount went from {$7000.00} when it was in bk then it went to {$9000.00}. They reported it as {$12000.00} just recently and now have taken the account out of charged off status then added additional fees totaling $ XXXX. I asked XXXX how did it go from {$7000.00} to {$12000.00} and they tacked on additional fees and interest. After taking it out of charged off status they have sent to a collection agency only after my complaint and tacked on more money claiming additional interest. I purchased the car for {$9900.00} I put down {$2500.00} and made payments up until my injury. They added on additional which they stated for finance fees, I never signed a document for {$15000.00} because I never qualified for that amount. They stated that I qualified for the car at {$9900.00} but they added additional finance fees. They are becoming threatening. They denied reporting the account for missed payments but I still receive alerts for missed payments and have been for several months now. They are aware of my situation, they sold the car, I agreed to the repossession and the charge off per my attorney through BK. I feel that they are retaliating against me because I reported to you about their fraudulent reporting of missed payments for this account. I do not owe {$17000.00} for a {$9000.00} car that I no longer have. They never contacted me about payment arrangements after bk, they just picked up the car. I 'm a single mother paying high end rent and its not cheap. They are threatening my income. This debt statue of limitations runs out next year.
i took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.
To Whom It May Concern : I have been a customer of Citi Bank since 2012 and have always paid my balance in full each month except for when I have a 0 % balance transfer offer. I was recently surprised to see various interest charges on my account. I now understand that since the balance was technically not paid in " full '' ( due to the 0 % balance transfer amount ) my account accrued interest on standard purchases. 

I feel this behavior is a UDAAP violation. The 0 % balance transfer is not beneficial to the consumer if Citi Bank just allocates the interest to standard purchases each month. The proper information about the balance transfer was not disclosed and XXXX different customer service representatives gave me conflicting information. 

Accordingly, I plan to pay off the entire balance including the balance transfer immediately. I would like the balance transfer fees ( XXXX XXXX in the amount of {$210.00} ) credited to my account. 

Best,
In XXXX XXXX we secured an RV loan on a XXXX new Bounder motorhome of {$56000.00} thru US Bank. At the time we specifically told the agent we would pay off the loan within the next 12 months and he said no problem and no penalty. Now here in XXXX XXXX we get the amount to pay off and they are going to charge {$200.00} early payoff penalty, totally the opposite of what their agent told us!!!
I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit
My name My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with HSBC Bank in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( XXXX ), I am requesting that XXXX ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX
I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.
The issue I have with the judgement from XXXX Apartment complex in XXXX VA, is that my brother and I were wrongfullly evicted back XX/XX/XXXX. We had 3 days to find a new place, due to the wrongfull eviction. My brother and I was never notified or served with court documents. In XX/XX/XXXX, my bank account was frozen due to a Lien from this company. I call the number and talk with a collection rep, that advised me of this lien. I was then told I had to fax over a statement about this debt and also sign a release form so they could set up a payment plan. The representative informed that the funds would be available to me after I signed the release and payment plan. The company took my whole check of XXXX dollars, that put me in very bad financial crisis. After they assured me they would n't take the whole amount. Then I receive another judgement just recently that has put a lien on my banking account, stating that they won a judgement in XX/XX/XXXX against me. From my understanding of my rights, and looking at my credit report this item was charge off years ago. So what this company has done is Resubmitted an old debt that has either been paid or charged off. This has put my family in a bad financial crisis.
I have previously filed a compliant against SLS for this same thing. SLS refuses to properly apply my principal reduction payments. This causes me to have to repeatedly call and write them to correct their error. They have stated multiple times that they have corrected this this but it continues to happen. This results in SLS charging me extra interest - beyond what is defined/allowed in my Mortgage
I had my purse stolen in 2007. I have been trying to get a woman 's name off my credit report with Equifax for many years. She has mortgages and car payments etc. that report as mine. I can not even access my credit report with Equifax because I can not answer the questions correctly to gain access. My name is now XXXX XXXX XXXX. At the time my name was XXXX XXXX XXXX. A woman with the name XXXX XXXX XXXX or something like that shows up as an alias for me. I have lived in XXXX different addresses over the past 15 years. XXXX XXXX XXXX XXXX Maine XXXX, XXXX XXXX XXXX XXXX Maine, XXXX and also XXXX XXXX XXXX XXXX Maine XXXX. I need help getting this taken care of and I do n't know where to turn next. Thank you for you help in this matter.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
On XX/XX/2018, I filed income-driven repayment plan request. I received an email from Navient stating that my request was approved. My payments were showing to be lowered to {$32.00} for the following month of XXXX. However, as of today it has changed back to the amount {$150.00} without any notification from Navient. I would like clarity and guidance as to why this is happening and for it to be resolved.
I am getting the dates now from Navient. I made a rather large payment of over 2,000 dollars one year and it was never applied to the principal after I was told it was and my loan is not going down it is going up even if I pay more than the amount due. I have asked for help with Navient to give me the proper amount to pay, so I am not paying it until I die.
Information provided per my credit report is below. 
Account name : progressive management systems Amount : XXXX Date : XX/XX/14 Account # : XXXX I've contacted the collection company requesting more information regarding this account because I have no documentation nor have I received anything in the mail to verify if this is a legitimate bill that belongs to me. I was told they could not release any information over the phone and I have yet to receive anything in the mail to verify this. The fact that this shows the original date is from 2014 really concerns me because its effecting my credit report.