WillisBack/dataset-financial-user-claim huggingface dataset:
Approved for remodification with Mr. Cooper. However remodification contract sent in deceased mother 's name. Remodification Contract was never corrected. Final mortgage payments were then placed in an Mr. Cooper unapplied account and I never received unapplied payments back. After which, my Mr.Cooper mortgage was transferred to XXXX without a remodification or unapplied mortgage payments returnrd.
Our son applied for a XXXX school and needed us to co.sign on his second loan. He went back to school after graduating and then had to put on hold again.After many times trying to reduce the loan for him to afford for a struggling student they would n't accommodate it..he wanted to pay but could n't afford what they described so we as parents had to step in to help with the payment.we called to at one time having some extra money to repay the loan at a lower rate but they told us they do n't do that ..which was opposite of what we had researched about repayment. 
Our son joined the military and wanted to have it changed into his name for repayment .I did n't go to the school he did and now because we 're co.signers we are responsible for his debt. We are retired and it is a financial difficulty ..paying on his loan is a monthly responsibility so as not to damage my credit score. 
What if anything can be done to help with this situation. 
Thanks for taking time to hear a little of our dealings with Navient.
HSBC/Beneficial does not know how to do basic accounting. The error occurred in XXXX XXXX when they applied payments received for the XXXX mortgage payment to XXXX XXXX. This is evidenced by their letter dated XXXX XXXX, XXXX which stated that we could lose our home because it was 30 days in default. They sent a total of XXXX copies of this letter : XXXX that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and XXXX that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to XXXX as they sent us a letter dated the same day notifying us that the loan would be serviced by XXXX effective XXXX XXXX, XXXX. In that letter they tried to collect {$2200.00} by XXXX/XXXX/XXXX which is past the date that they would be servicing our account. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the records sent by HSBC employee XXXX XXXX that were sent post " XXXX XXXX reconciliation audit. '' How many different audits does it take? 
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to XXXX.
Original complaint number : XXXX On XX/XX/2015, I contacted the number that was played on the radio regarding paying back Federal student loans that were income driven. I called the number and got set up. I was connected with an XXXX how gave me his direct number ( XXXX ) for further questions after I completed the documents. I paid the {$590.00} as suggested and a monthly service fee of {$39.00} for the duration until the amount was paid off. When I originally filed my complaint, I did not send those documents, because I could not find them. I was under the impression during the phone call that all monies would be going toward my loan and that large amount was to get it started. Later, I found it was a fee to pay to the 1File.org for setting me up to have my loans paid with lower payments. I also found that it was not legal to do so. 

Therefore, I am submitting the documents, once again, for your review.
I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.
I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.
When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.
XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond. 
4. Proof that the Statute of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature. 
7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 

Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.
I paid my mortgage, have proof of payment, and my mortgage company will not credit my account for this payment.
My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against bank of america that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible for.
A collection company XXXX Harris & Harris XXXX put a garnishment on my salary for a {$90.00} account that was already paid, But the collection company got a garnishment for {$1700.00} and does not want to give back the money they took over.
I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.
On XX/XX/2017 I wrote to the disputes department of Portfolio Recovery regarding a supposed debt that they alleged and in this letter that was sent certified with return receipt they were instructed to contact me in writing only and to provide proof of the debt. 

They have continued to call repeatedly to my cell phone number and today at XXXX XXXX they called my employer. They had sent a photocopy of a statement that didn't indicate anything about their right to collect on the debt, more importantly the debt has passed the statue of limitations and is no longer enforceable. 

I believe this is a direct violation of the Fair Debt act and want this harassment to end immediately.
Have ask several times for receipt from this company to make sure they are a real company and that I have payed them and will not have to hear from them again but they will not send me a receipt. Keep saying that they made a note of it but I have not received a receipt.
The last name of XXXX is on my credit report. This has never been my last name. My maiden and current name is XXXX. Also there are accounts from XXXX that were paid in full and closed by me that I have requested to be removed and are still on my report with both Equifax and XXXX. XXXX being XXXX XXXX XXXX, XXXX is XXXX credit card and the other is XXXX XXXX Credit card.I would like that incorrect name removed as well as the 9-10 year old loans and credit accounts listed above.
They charge me to much when I went to the school and then they send my information to another company now in my credit report it show I was charged 4 times
According to Equifax, I am a potential/likely victim of their lack of security regarding my personal information. I am now at a higher risk of identity theft and fraud. I should have been notified months ago regarding this breach. It has been handled poorly be the executive team at Equifax.
I always mail my monthly payment ten days early. My XXXX {$680.00} payment was due XX/XX/XXXX, so I mailed it on XX/XX/XXXX. It always takes about ten days for them to post the payment, and they always send me an email that they have received it. This time I got no email. On XX/XX/XXXX, I checked with my bank and the check had not cleared. I called Loancare. It took 45 minutes to speak to someone. They told me that my XXXX payment was lost. I told them that I would put a stop payment on the check and reissue the payment through electronic funds transfer, which I immediately did. I then emailed Loancare what I had done and asked that they not cash the check and that I had put a stop payment on it. They cashed the check on the very same day that they said it was not there and then when my bank rejected it because of the stop payment, they sent it through again. 

Loancare is now charging me a fee of {$80.00}, two {$40.00} charges for a check rejected for " insufficient funds. '' I have contacted them by 'phone, email and letter. The only response that I have received is from my letter, notifying me that they are looking into the problem.

My mortgage was sold to this organization about a year ago, and from day one it has been one unsolvable problem after another. They are very difficult to contact, and they are simply unresponsive if you are lucky enough to communicate with them.
My mortgage servicer Selene Finance has refused to consider or review any options to save my home from foreclosure and I am facing auction next week due to their actions. I have owned my home for nearly 10 years and made a down payment of {$170000.00} at the time of purchase. I later refinanced into a government insured FHA loan and had no issue making the monthly payments until I was the victim of fraud in XX/XX/2013. Someone was able to gain access to my bank account and stole all of my money. This created a snowball effect, and soon I was drowning in debt and unable to keep up with my mortgage payment. I have tried repeatedly to resolve this matter but have made no headway. This is devastating ; I have a good job ( worked as a XXXX for 13 years ) and make enough money to afford a fair payment. The issue is that once I fell behind that no one gave me a chance to resolve this matter and the delinquency continued to increase. 

At that time my loan was with XXXX and I tried to begin the process to resolve my delinquency and be reviewed and qualified for a loan modification or forbearance agreement or a partial claim program. It was very difficult to make any progress and just when it seemed that I was making some headway the loan was transferred to XXXX. I went through the same process with XXXX, poor communication, lost documents, denied access to government programs, etc. and then again when it seemed that I was getting somewhere the loan was transferred to Selene Finance. The entire time my delinquent amount continued to increase and put me into a deeper hole. 

I have tried to engage with the agents at Selene Finance in order to get a review initiated. At first they acted like they did not even know they were holding my loan -- later it seemed that they were just disinterested. I have been told that Selene Finance accepted XXXX of dollars in government bailout money and is REQUIRED to conduct reviews of my current and correct financial information in order to assess eligibility for retention programs. Additionally, this is a government insured loan and I believe they are violating all protocol and procedure by failing to give me an opportunity to resolve this issue. I have a good job and have enough income to afford a reasonable payment, but was a victim of fraud and theft and need Selene to work with me. 

I ca n't believe that I am in this situation. I want to pay, I can afford to pay, and it is so disappointing that being the victim of a crime has put me in a position where I am going to lose my house along with the {$170000.00} I have invested in the home.
incorrect hard inquiry on credit report. ( 2 of them ) XXXX XXXX from XX/XX/2018 in error. Already contacted them, they told me to file a complaint here. Their phone number is XXXX XXXX XXXX I two incorrect hard inquiries XXXX XXXX and XX/XX/XXXX not recognized, it is for credit card/airlines. Never contacted them. 

their phone number is XXXX
There are  XXXX  medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY  XXXX  FOR {$1600.00}  XXXX  {$63.00}  XXXX  {$58.00}
Called in XX/XX/XXXX about this debt amount, was given a payoff amount of 282.00. One payment in XX/XX/XXXX and XX/XX/XXXX, they did get XX/XX/XXXX but debit the wrong date for the XX/XX/XXXXand then reported it on my credit report. I would like it to be taken off because it is erroneous. I did not know nor was I told that if they do n't get this payment they would report it to my credit report. I was given no time to respond to the debit the tried to take in XXXX they just immediately stuck on my report. No calls about the debit nor letters as to date I had to call them.
For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever
I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.
I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax.
Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.
A computer glitch that was TransUnion 's problem - not mines - caused inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that you all help me make TransUnion stop victimizing me. As a resolution can you assist me so that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they don't report to the credit bureau, so I'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ). Thank you in advance for you help in this matter. 

I got the below response back from XXXX in regards to my re investigation into the removal of my bankruptcy : XXXX Report Number XX/XX/XXXX Date Generated Record Details Record Type Chapter XXXX bankruptcy discharged Filing Date XX/XX/XXXX Date Resolved XX/XX/XXXX Claim Amount {$0.00} Liability Amount {$0.00} Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX XXXX   XXXX Address XXXX XXXX XXXX XXXX, KY XXXX Phone Number ( XXXX ) XXXX
I answered the phone call and when I explained that the car is actually my sisters and she 'd be the XXXX to contact for payments. The collector yelled at me in an extremely aggressive manner that he 'd be calling me again and hung up before I could finish explainin I 'd call her to see what was going on. I feel extremely attacked for aggressive tone of the phone call.
Account was opened in XX/XX/XXXX. 
Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.