WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX Bank filed a foreclosure notice to take my house as I went into default due to unemployment. After a number of attempts to short sell it & a job relocation, I had no choice but to file for bankruptcy in XX/XX/XXXX. In XX/XX/XXXX I was notified that Bayview Financial had bought the loan. Bayview has been sending me debt collection notices almost daily ( see attached ) and has called numerous times to " collect a debt. '' I have called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to explain to them that the debt was discharged with my bankruptcy 2 years ago. The first time, XXXX informed me that I was still responsible for the debt despite the bankruptcy. The second time a friendlier woman told me that they had no record of my bankruptcy. This is beyond my comprehension as they clearly have information on every other aspect of my life. 

In the meantime, while I thought foreclosure was imminent & I would finally be able to rebuild my financial health, four years after the initial foreclosure filing the process now begins all over again. I have n't set foot in the house since XXXX. I 'm XXXX & apparently I will have this toxic asset on my credit report until I die.
Balance for XXXX Account # XXXX incorrectly display account details and % rate details.
This is a follow-up to a previous complaint I had filed against Ditech Financial, LLC. 

Ditech has refused to cancel our PMI for multiple months. Per the Homeowner 's Protection Act, Ditech  must automatically terminate our PMI when our LTV reaches 78 %. Our LTV dropped below 78 % LTV prior to our XX/XX/2018 statement. In addition, we requested over phone and email that Ditech terminate our PMI three times in XXXX, XXXX, and XXXX. In our most recent call with Ditech, the Ditech representative tried to push us to pay for their appraisal service before we cited the Homeowner 's Protection Act, at which point they became apologetic. 

Ditech 's previous response to our CFPB claim cited the section in the Homeowner 's Protection Act that allows Ditech to require evidence that our home 's value has not depreciated in value. However, per the " Automatic Termination '' clause in the Homeowner 's Protection Act, if our LTV drops below 78 %, Ditech can not require this evidence before terminating our PMI.
During a very slow and painful loan modification XX/XX/2015 our mortgage company, Ocwen, stopped paying our mortgage insurance from our escrow account. We were assured that once the modification went through, payments would begin again and bring the insurance premium current. Our modification was completed and I assumed payment had resumed as each mortgage statement included the amount for the premium. My husband passed away on XXXX XXXX, 2015. I called the insurance company to make a claim and was told that no payment would be made because the account was severely in lapse ( only brought current through XXXX 2015 ). Ocwen was made aware of the problem and I was told that yes, they had not made payments on certain dates, causing the policy to lapse. Nothing further was done. I called again on XXXX XXXX to make a formal complaint and was told they would look into it. Each week since that time they call to inform me that they have n't forgotten about me, but nothing new has been discovered. I understand that some research must be done, but my husband has been gone for 4 months now and I have continued to pay my mortgage on time ( plus additional towards principle ), as I have done each month in the past. I would very much like for this issue to be resolved quickly ( or as quickly as possible ) and I feel that Ocwen is dragging their feet in the hopes that I will give up and forget this issue. It seems that this is a common practice for Ocwen as we have experienced this behavior in previous dealings, which once included another formal complaint being made on our behalf by our Congressman 's office.
I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 

2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. 

This needs to be off my credit and I already paid off that credit card.
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : XXXX Thank you in advance for helping me get these removed from my credit report.
My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.
I have a medical collection on my credit file that i have been disputing for several months that doesn't belong to me. I have always had medical insurance through my job and i even went to XXXX XXXX XXXXXXXX XXXX to ask about the account and they had no record of me with an outstanding bill. XXXX XXXX still has not deleted this account and they keep saying its verified but have not sent me any proof that it belongs to me.
I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.
I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls
I am having trouble with a Experian website that is run by abe.illinois.gov, and have the Experian Ref # XXXX.

I tried to manage my case with the Illinois XXXX  portal website to update my phone number with them. Was unable to be verified and continue to run into this glitch issue.
I had an issue with my account at my Credit Union. They erroneously froze my account so payments would not post out of it. This caused payments to Capital One to be reversed twice. I called my Credit Union and resolved this issue and issued them my payment before my due date well over the full balance.

My Credit Union is willing to print a letter on their letter head that states this is not due to any fault of mine but a clerical error on my account made by them. Capital One closed my card and refuses to open it back up despite still receiving payment on time and discussing this matter with them. I believe that this is unfair and proper payment was received. My card is now closed by the bank and this will reflect on my credit report. I would like my account re-opened.
This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.
As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.
I had initially done a refinance to pay off my auto loan with wells fargo and the payoff check was sent on the XXXX of XXXX. Every time I called in to confirm if they had received my payment I was given the answer that they had not received anything. The payment actually was received on the XXXX of XXXX per a conversation I had with the Office of the President at Wells Fargo dealer services. The issue is, nothing was noted on my account that the payment had been received. They processed the check on the XXXX of XXXX however because I was given incorrect information every day up until the check processed, the title company that issued the check cancelled it and sent out another check based on the information that it had n't been received and therefore thinking it was lost in the mail. This would n't have happened if WF properly handled their accounts and at least notated a payment was received when they receive it. I was charged a late fee with was credited back however I was still responsible for the interest that accrued from the difference. Now the Title company has resent the payoff check and I have proof that it was received on the XXXX of XXXX Tracking number XXXX ( I attached a copy ) and it is now the XXXX of XXXX and I as of today the XXXX I am still getting told that nothing has been received. This is complete lack of accountability on Wells Fargos part to not even notate a payment receipt when they receive it. Because of this my account is now 32 days past due and my credit report has been adversely affected. Every time I call to inquire about it, I get different information. I am told it takes 5 days to process once received and I even had a rep confirm in the notes that I was told it takes 5 days to process. Now I am being told it takes 14plus days and one rep even told me it takes about a month. All the while My payment is sitting there and I am being treated as though I am a criminal with horrible attitutes from the reps that Im speaking with. I have satisfied my debt and because Wells Fargo does n't know how to handle accounts, they are scamming not only me but probably thousands of other people out of additional interest due to their horrible tactics. I had a case opened up with the office of the president on the XXXX of XXXX and still have yet to hear anything. I have n't been contacted or called to be notified of any progress. I left messages and still have no return call
The Servicer foreclosed on my home in spite of the Rescission that was done in XX/XX/XXXX, they said I owed money, I sent an XXXX, and they foreclosed in XX/XX/XXXX despite the Rescission of the loan, and they tried to send me {$22000.00} afterwards to Acknowledge, Waiver and Release Agreement for them so they wo n't have to answer for the injustice that they have created for myself and my family members. The Property Address is XXXX XXXX XXXX, XXXX, Georgia, XXXX. The Rescission was a United States Supreme Court Decision XXXX XXXX XXXX Mortgage that stated all that the consumer had to do was send a notice of Rescission and that was done by certified mail as you can see on the attachment. But according to XXXX the XXXX days passed and the SERVICER/ATTORNEY IGNORED the correspondence which was sent certified return receipt requested.
Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.
I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress.
XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX
I currently have a personal loan with Wells Fargo. I had been making payments experienced change in income sometime ago reached out to Wells Fargo and they were not able to work with me with payments I could afford. I enrolled the account with take charge XXXX almost XXXX years ago. my payment amount did n't change but it helped with interest and fees. Though still a struggle I made the monthly payments. Recently again I experienced change in pay spoke with take charge XXXX they informed me to try to call wells Fargo to see if they can do a hardship so I did. Was told they ca n't work with me even if I take the account out of the consolidation program. They were not the only creditor I have and my others XXXX being XXXX worked with me. I returned a call to Wells Fargo today and got a gentleman on the line named XXXX XXXX explained to him again the situation and what Wells Fargo informed me that they could not work with me he explained that that was correct and at this point the company would do what they had to do to collect the debt. I explained to him again at this point I 'm at a dead end because they can not work with me so I 'm forced to pay what I can when I can. He then proceeded to be very rude harassing and unprofessional I reminded him of my place of employment and that I am aware of the collection laws and how I should be treated as a consumer. Also that I would not continue to have the conversation with him speaking to me in that manner. He rudely stated to me that he already Went over this information with me that Wells Fargo could not help with an arrangement and that he was transferring me to someone else. I told him that I was at work and that if this person was not going to be able to assist me with a hardship there was no point in me being transferred he said well that 's your choice he proceeded to transfer me a woman answered and then I was disconnected I called back and I got a nice gentleman named XXXX XXXX told him that I just wanted to speak to a supervisor and he plays a supervisor by the name of XXXX. On the line. I informed him that because of the behavior of the first representative that I would be filing a complaint he informed me that he would have to put me in contact with a different department and that no one was available and that he would have someone call me back I received a call from XXXX said he was with the XXXX offices of Wells Fargo and that he would be conducting an investigation and that if I wanted to still file my complaint that that was definitely my decision to do so and that he would follow up with me in about XXXX business days or sooner. 
The XXXX representatives and the supervisor that I spoke to when I ask for their full names and/or ID numbers the representatives only gave their first name an office that they were located and the supervisor gave his first name and last initial.
Two hard inquiries have shown up on my Equifax report from XXXX XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ). Attempts to contact Equifax have been futile. 
A rep from XXXX XXXX said they would resolve the issue, but it has escalated.
In XXXX of XXXX, XXXX XXXX XXXX obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by XXXX XXXX XXXX. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports