WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.
The following is in reference to a new complaint. The previous one was completed. This is in reference to property located on : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This loan has been discharged in bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/2015. The account is closed. It needs to be updated as " cease & desist ''. I have requested a " release of mortgage " to Shellpoint Mortgage and have been unable to resolve this. I would like to purchase a home in the near future, and this is affecting me. I would greatly appreciate your assistance with this matter. Thank you in advance.
in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.
In XXXX, XXXX, I applied for a modification with CitiMortgage, my loan company for over 20 years. We fell behind on the payments because my husband lost his job in XXXX, XXXX due to illness and my XXXX went on hold because I had a XXXX in XXXX XXXX. After sending in multiple Profit & Loss statements, bank statements and letters of explanation over the past 9 months, CitiMortgage denied me for all of their modification programs on XXXX XXXX, XXXX. We are now XXXX payments in arrears and the repayment plan CitiMortgage offered us is double what the mortgage payment was. Me and my husband are XXXX and XXXX years old. We have lived here since XXXX. My XXXX is slowly rebuilding, but my husband is still not well. I do n't understand why it took so long to deny us this modification. We do not want to lose our home, but I do not see a way for us to catch up on these missed payments. Is there a way for you to help us? We need a lot of help right now. I have copies of information sent to CitiMortgage that they requested for the modification. We sent everything in by email and I sent everything they asked for. I do not know how to forward these emails to this page as an attachment, but there are several emails requesting duplicate information that was sent in previously. I can fax or mail in the copies I have. Please help me find a resolution to this matter as soon as possible. Thank you.
The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX.
My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.
Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.
After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.
PHH mortgage was called and a 20 day pay off statement was requested and was faxed to my employment on XX/XX/XXXX. I went to my bank and processed the pay off amount of {$39000.00} and my bank sent the appropriate pay off amount XXXX XXXX overnight on XX/XX/XXXX.The escrow {$6500.00}. I received a letter from PHH dated XX/XX/XXXX it had written " revised '' and it stated that the pay off amount was {$87000.00} plus.This sets an out and out major discrepancy which will result in my not getting my property that i paid in full. I am afraid that these people will not release the lien on my home that I have paid in full. 
I have documentation dated XX/XX/XXXX from PHH that says that the principal balance was {$42000.00}. and the escrow at that time was in excess of {$11000.00}. on the website. I have complained to you about this entity twice in XX/XX/XXXX and XX/XX/XXXX.I have written documentation from the president of PHH in XX/XX/XXXX that stated the principal was {$52000.00} with escrow {$9700.00}. This was corroborated with a letter from the PA department of Banking and Securities. 
Therefore I am not sure why I received a letter saying I owe PHH over {$87000.00} dollar pay off! 
I complained about PHH twice last year XX/XX/XXXX and XX/XX/XXXX due excessive escrow accounts and misapplication of my mortgage payments. 
Briefly I had paid this mortgage so far in advance that in XX/XX/XXXX they told me that I did not have to pay anything on the mortgage until XX/XX/XXXX. I have amortization statement showing the account balance and the schedule of pay off. 
It all started last XX/XX/XXXX when I visited the mortgage website and found a {$17000.00} escrow that was outrageous! PHH artificially stalled the pay off of this mortgage with their bizarre misapplication of excess principal payments and escrow accounting practices. Please review the complaints from XX/XX/XXXX and XX/XX/XXXX. 
I just wanted to pay off my mortgage before i retired.I am so disappointed about how they have treated me.
The calls start at XXXX most times I am called 2-4 times a day every day yes I do owe them money but calling me back to back wo n't get it.
I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.
I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from. 
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!! 
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.
I filed a dispute with Experian advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called experian three times with no success
Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.
Law firm Pressler & Pressler filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in 2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!
During XXXX  week XX/XX/XXXX, we traveled from XXXX to XXXX   with our XXXX  device.

We received 4 toll violation notices from the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ( XXXX, XXXX, XXXX and XXXX ). We completed the violation dispute form for each violation and mailed them back to XXXX XXXX XXXX on XX/XX/XXXX. We received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX for violation XXXX in which they rejected our dispute based on 1 or more of 3 reasons ( the exact reason was not indicated ). We then responded with a letter that addressed each of the 3 reasons with proof that we had not violated any of the reasons given. We then received a letter from Retrieval-Masters Creditors dated XX/XX/XXXX that violation XXXX  had been sent to them for collection. We sent them a cease and desist letter as well as a letter to the XXXX XXXX XXXX XXXX XXXX  explaining once again that we should not be charged for toll violations. We also decided to send a letter on the same day to the the XXXX Attorney General for assistance on this matter.
There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!
XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}
In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was  de 60-120 la te payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
I had an account for an IRA with a company. The company said they showed no record. I lost probably eight thousand dollars plus interest.
Greetings I have initiated a dispute with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
Please note : XXXX stands for XXXX XXXX XXXX, which is me ( XXXX XXXX ) Mortgage company is not being responsive, please see attachments. I have tried to contact lender on following dates : XX/XX/XXXX - confirming lender received documentation XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - email lender and cc XX/XX/XXXX - called lender was on call for 20 min., only to be told she can not help but will pass my contact info to the loan counseling dept hopefully someone will call back in 24-48 hours.
Equifax keeps saying that I have submitted additional information which is not true, then feels that do n't have to do anything else. They mail me unchanged results and feel like they have fulfilled their requirement to you.
My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.
This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.
Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX
The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XX/XX/XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XX/XX/XXXX5.XXXX XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
I qualify for an Income-Driven Repayment plan, and have been making consistent payments under that plan. I received correspondence from Navient on the following dates with the following notifications : XX/XX/XXXX : I needed to apply for REPAYE renewal by XX/XX/XXXX or a new ( non-reduced ) payment would be charged starting XX/XX/XXXX. 
XX/XX/XXXX : My electronic IDR renewal application was received. 
XX/XX/XXXX : My IDR renewal application was approved. 
XX/XX/XXXX : My request for REPAYE was approved. 
XX/XX/XXXX : Beginning on XX/XX/XXXX, a new reduced monthly payment would be debited from my designated bank account. 

I assumed that there would be no gap in reduced payments, as this is the clear implication of this correspondence. However, on XX/XX/XXXX, Navient billed me an amount equal to 5 times my reduced payment. 

Because my account is on AutoPay and I saw debits being made, I did not notice that my account was past due until now. In reviewing the correspondence, I see that one of the  XX/XX/XXXX letters states that my REPAYE plan will run from XX/XX/XXXX through XX/XX/XXXX. This is not a 12-month plan, as the same letter states. 

I believe this is an error at best, and at worst, a continued pattern of deceptive communications. I would like to have the overbilling and resulting late fees/charges removed from my account so that it shows as in good standing with no negative affect on my credit.
I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.