WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage from XXXX XXXX was sold to SLS in XXXX XXXX. I paid my XXXX payment ( {$1200.00} ) to XXXX because I 've done this for 10 years. I started receiving notifications from SLS in XXXX that they now have my mortgage and need to begin making payments, but the payments have increased by {$400.00}. I 've asked since XXXX, for an escrow review of my mortgage to no avail. As of date, I have not received anything from SLS pertaining to why my mortgage has increased. I 've spoken to them 3 times, and still no reason, explanation, or letter. I made my XXXX, and XXXX payments because their customer service representatives told me to continue to make payments of my original mortgage {$1200.00} and it will be placed in holding as " good faith effort. '' On XXXX XXXX, XXXX I received an Intent to Foreclosure letter indicating I have n't made any payments. I have my XXXX XXXX statements that indicate I 've made payments. 
I 'm really disappointed with SLS, their representatives, and their policy and procedures regarding retaining records, collecting payments and not applying them to my loan. They are threatening foreclosure and I 've made payments. They want me to pay {$400.00} more without reason or explanation informing me why.
There is more than XXXX company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including XXXX XXXX, Synchrony and XXXX XXXX. I tried to pay Synchrony bank directly by sending them a check to their XXXX XXXX as directed. On XXXX/XXXX/16, the check ( which was made out to Synchrony bank with my XXXX XXXX XXXX account number ) was cashed by XXXX. I called XXXX, and spoke to a representative XXXX who said that XXXX XXXX has no record of my account or my name. I also called Synchrony Bank who claims that they are soley in possession of my account but informed that the funds were not applied to my XXXX XXXX XXXX account and they had no record of the check that I had sent directly to their address. I then had to call my bank XXXX to dispute the check as I had not made it out to XXXX XXXX but it was cashed by this bank and was not applied to any of my accounts. Furthermore, Synchrony Bank refused to provide statements or receipt of payment for this account.
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on american express 's internal site/emails on the credit card company s site showing they dismissed the debt
Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.
XXXX, Equifax, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with XXXX, Equifax and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..
I was charged a {$34.00} fee in my business bank account because a {$700.00} check was returned. The reason this check was returned was that I had ordered these counter checks from my checking account but never looked and saw how they were not from my checking account but from my business checking account. The Chase Bank folks had not printed checks for the right account. This was especially bad because they had withdrawn the fee from my checking account and I had clearly told them to do it for my personal account.
They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX ( XXXX ) XXXX   XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
I received on XX/XX/XXXX that a foreclosure sale on my house have been scheduled for XX/XX/XXXX. Mr. Cooper has not since it took over from Nationstar Mortgage reach out to me to discuss the issues concerning my HAMP Loan Modification which I applied for in XXXX, and which is yet to be resolved. The foreclosure sale notice which I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of the foreclosure sale as published in XXXX XXXX XXXX ; that is not true. The claim is false as I did not find any copy of the advertisement enclosed in the letter.
Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.
I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Midland Credit Management Inc FAX # ( XXXX ) XXXX XXXX : account # XXXX OR XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Midland Credit Management Inc that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
A debt from a home owners association 's dues I never knew I owed, had a partner equally responsible owing home owner association was notified but never paid the debt nor notified me. 
I had move a couple of years before the debt became delinquent. The home owners association turned the late dues over to a collection agency. The agency apparently sent all correspondence to my partner but never to me. They finally to us to civil claims court but never notified me. Got a judgment from the civil claims court but I was never notified of the judgment. Finally, the collections agency alone with their attorney file and received a judgment lien against my home. I never knew the lien was recorded on my property until a year later when the collections company sent a letter letting me know they where prepared to act on the judgment. This was the first I even knew of the original debt. I called and told them I wanted to go back to court which was now over XXXX miles away from my new address to fight this in court. They agreed I was never notified properly of the debt or the judgment, but I 'd lose as the debt was still owed and add more fees to my original balance due plus interest. Once I knew of the debt I paid the collections agency and got a release of the lien, however it still remains on the county records as a judgment and on my credit report.
XXXX XXXX is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.
XXXX XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Today XX/XX/2018 i received a current copy of my XXXX  credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX credit report. It was deleted off the report as it should have been. However XXXX and experian are still reporting it. I attempted to dispute it again online with XXXX but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about experian and XXXX as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.
XXXX XXXX XXXX  called about a debt for an apartment. We understood and asked to make payments. The representatives were rude and were not cooperative. They refused to help us and assumed that we should be able to pay the full amount. They also said that they would make sure this would stay on our record for 7-10 years as they are close with the Crediting Bureau. 

When were then continuously put on hold. When we tried calling back they were harassing and wanted to much personal information. They continued to be harsh and unwilling to work with us.
I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back
XXXX years ago on XXXX/XXXX/XXXX I suffered XXXX. Which resulted in a XXXX. Only to have XXXX of the XXXX fail and in XXXX XXXX I was having XXXX. Well I was recuperating from my XXXX, my husband suffered a non work related XXXX and was off work for XXXX months. He was on short term XXXX through his work. We fell behind in our mortgage payment. With medication cost increase to {$300.00} a month out of pockets XXXX copays increase to {$1500.00} each. We were not able to get caught up on our mortgage payments even with adding extra each month to the mortgage payments to try and get caught up. In XXXX XXXX Seterus refused to accept any further payments. We were given notice of foreclosure at which time we hired a law firm who said they could stop the foreclosure. In XXXX XXXX our Mortgage servicer Seterus offered a streamline modification, with the first payment starting XXXX XXXX That was sent to the law firm. We were not notified by the law firm of the streamline modification till XXXX XXXX. At which point we borrowed the money to make the mortgage payment by the end of XXXX and fired the law firm. Since then we have been working with the servicer Seterus on our own. We 've made the trial modification payments late due to the late notice and we have not been able to catch them up due to medical expenses. We have just received a permanent modification. Our modification does not seem like a modification. My monthly loan payments have increased by over {$100.00}. They added our back payments and interest to the end of our loan and extended it out to a 40 year loan. There was no reduction in interest rate or principal reduction. Modification in my vocabulary was meant to help us by reducing our monthly mortgage payment not increasing it. My husband is aged XXXX he has his own XXXX issues, and he would like to retire on XXXX XXXX XXXX. We have told them that there will be a income reduction when that happens so we need a modification that will take that into consideration also.
Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?