WillisBack/dataset-financial-user-claim huggingface dataset:
I am not working and can not make my loan payments. I have contacted Ed Financial in regards to this matter several times. I made a complaint on XX/XX/XXXX with CFPB. I made numerous attempts such as filing for Unemployment Deferment, Forbearance, etc. and have been denied by Ed Financial. They stated that I have used up the amount of times I can use these options. Ed Financial sent me an application for income driven repayment. I sent in a personal statement explaining that I do not have any taxable income. I also spoke with a representative who advised me that since I have no taxable income I should fill out the income driven application along with my personal statement and that he did not see a reason why it would be denied. 

Well the application was denied and I will have to start making payments in XX/XX/XXXX. These people refuse to work with you and just want to see you go into default. If I do not have a job how am I supposed to pay back the loan? I also have a child at home. Ed Financial is ridiculous and they don't try to help or offer reasonable ways to accommodate your situation in anyway. All they care about is their money.
XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.
I got behind these payments because my husband suffered a XXXX and lost my source of income. I had to quit my job to take care if him
Back in   XX/XX/XXXX   a delinquency was added to all  XXXX  of my credit reports. My score dropped from an  XXXX  and   XXXX    XXXX  to  XXXX  and   XXXX    XXXX . Recently, as of  XX/XX/XXXX , the delinquency was removed from all   XXXX    credit agencies. Im assuming this was due to the new standards in which debts are added to your credit report as of  XX/XX/XXXX . Between  XX/XX/XXXX  and  XX/XX/XXXX  the same delinquency was re added to my transunion account causing my score to drop  XXXX  points. I have already contacted Transunion about this issue ; was on the phone with them today for hours getting the run around. I Spoke to several of there reps and supervisors whom were unable to explain the mishap let alone correct it. One in particular supervisor in the special handling department,   XXXX   XXXX  , was extraordinarily rude saying it could be I missed a payment. When I explained I never miss a payment, she went on to point out that only  XXXX  credit card agency had reported to them at this time and the other   XXXX   had not. This upset me to say the least because if a credit agency had not reported to them as of yet how exactly would that effect my report?! I argued how much nonsense that was and was told the delinquency was never removed or readded. So she proceeded to talk to me like a customer trying to lie and pull a fast one. I felt as though she was insulting my intelligence. When asked if I could speak with someone else she proceeded to say she was a supervisor and there was no one else. I had to hang up and call back. This go round I was told that on their end my credit report was n't showing a   XXXX   point drop and they had no way of checking the history as they can only see the updated account info. When I pointed out that it was showing on the website I was given the excuse that the website calculates the score using a different system so it could show different score by a few points ... Well   XXXX   points is a rather big difference and if I 'm checking the transunion score online and calling to speak with transunion, there should not be a difference in what I see and what they see as far as score is concerned. This is a serious matter, were talking about credit agencies whom make and or break my ability to get a car, credit card, apartment or loan. When contacted about an issue I should n't get an " I do n't know '' or a speculation of what may have occurred. the credit agencies should be able to give exact information. I could understand if a new delinquency was added, as it would be self explanatory. But I only have one delinquency. So if not this then what could have cause the sudden change? Im currently in the process of moving and now have to hold off and figure out what 's going on before I apply for a new apartment or I risk being denied ... Unacceptable.
Below are a few screenshots added showing the discrepancies. If the account was never removed why would it show a s of  XX/XX/XXXX  not to be  present then resurface again after?
Beginning XXXX XXXX, 2017 public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier XXXX XXXX XXXX XXXX and they have confirmed that it was not there on their report.
My mortgage company is Franklin American Mortgage. During the time of Hurricane Irma, XX/XX/XXXX and XX/XX/XXXX, Franklin American Mortgage contacted me in regards to having 3 months of deferred payments to help with the natural disaster I was going through. I was also told that those payments would be added to the end of my loan essentially making it 3 months longer than it initially was. I was ok with the idea of this as the hurricane did cause a difficult financial time with my family. They had told me my payments wouldn't be due until XX/XX/XXXX. I contact them in XX/XX/XXXX because I can no longer access my account online to make my payments like I always had in the past. The guy I spoke to informs me that is because of having the deferred payments from the natural disaster and takes my payment by phone. He then informs me that I have 3 options for repayment. This was shocking as this wasn't mentioned to me at the time they offered the deferred payments initially. I was then also informed I would have to " qualify '' for certain repayment options. He asked me to send over my most recent XXXX and Bank statement for XX/XX/XXXX. I did as he asked within 30 minutes of getting off the phone with him. He said they would need those in order to start the process of adding these to the end of my loan. After a week with no response from them I assume all is well. I receive a letter in the mail stating my mortgage is in default status due to the 3 months of " missed '' payments. I contact them and after a very long hold, reach someone who tells me the same information about there being 3 different payment options. I told her I had already submitted this information to someone before and that it should be taken care of. She then informs me that I was not approved for that program. Shocked, I asked why? She stated she wasn't able to see any of the reasons that I wasn't approved, was just able to tell me that I wasn't approved. She said I could pay the XXXX XXXX dollars all right now, or go through a 45 minute to 1 hour interview which would allow them to determine if I qualified for paying half immediately and the remaining over a 2 month period on top of my normal mortgage payment. This whole process was an offer they extended to me initially with no mention of anything other than it would be added to the end of my loan. They made it sound like they were actually trying to be helpful when in all actuality, it seemed they had some predatory lending tricks in mind. I haven't called back to speak for this interview as either of my remaining " 2 '' options are not adequate for me at all. Had I known it was going to be like this, I would have just found a way to continue paying them throughout the natural disaster. Please help me as this was not at all properly disclosed or in any way to help or benefit customer 's like myself.
I got behind on my mortgage payments due to financial hardship and now I 'm facing an active foreclosure. I 've asked for a forbearance until my additional income comes through. Currently I 'm waiting on  XXXX  and the income I do have only covers basic living expenses. This has been my primary residence for 39 years and I do n't have anywhere else I can relocate to at this time.
Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.
On XX/XX/2018 we sold a plot of land at Lot XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX Arkansas. The title company discovered that our mortgage company holding the mortgage on our home at XXXX XXXX XXXX in XXXX Arkansas has made a mistake on our mortgage documents and included a lien on the plot of land at Lot XXXX XXXX XXXX and another unrelated lot. 

During XX/XX/2018 we made several attempts to contact someone at US Bank to help us resolve the issue. We were transferred back and forth and finally given a fax # to send our documents to. We attempted to fax many times over several days but the fax never answered. We then were finally given an email address for a person at the bank we could send our documents to. After 3 email attempts with no response, I emailed that person that I would have to file a formal complaint if I didn't get some response. On XX/XX/2018 I received an email response that our file was being sent to their title department to fix. I waited another week and emailed again to inquire about the progress and received no response. I emailed the individual 2 more times and have not gotten any response. 

The closing for this land was originally set for XX/XX/2018. It has been postponed indefinitely until the bank releases the lien.
Me and my wife was treated in the charity program at the XXXX XXXX XXXX XXXX XXXX inside XXXX  Hospital since XX/XX/XXXX until XXXX XXXX, then came this collection from laboratory and different charges.I knew we never charged until we transfer to XXXX XXXX hospital.The charges came from the same hospital x rays and the lab were do not belong to the hospital and I do not know why they charge us because we have a letter that by XXXX   XXXX XXXX that our balance is XXXX.
XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX  Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX  Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. 

Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.
This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). 
My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable
This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter
I opened a credit card with XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, XXXX XXXX and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.
In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   XXXX   #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
XXXX XXXX XXXX  has an account listed on my credit report opened XX/XX/XXXX. My girlfriend at the time added me as an 'authorized user ' and the account has been charged off at {$490.00}. I never used this account or authorized being added to it. I contacted XXXX XXXX XXXX. They referred me to a collection agency which stated the account was closed years ago, and last reported to credit bureaus XX/XX/XXXX. I was also told the credit bureaus are the only ones who can remove this closed account from my credit report. XXXX notated the account and said they would be willing to speak with someone on my behalf to have this removed from my credit report. XXXX.
This judgment is still reported as reinvestigation on my Equifax credit report 4 months later as of today.I have not received any updates from Equifax. 
XXXX CFPB review Response disputed XXXX/XXXX/2015Case number : XXXXXXXXResponseEquifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days.
What is the complaint? 
I have a property up for short sale and closing listed with a realtor since XXXX last year XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. 
What problems are you having? 
Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. 
What happened? 
The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is  not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
I use XXXX for most of my health-related issues and they send me out to XXXX hospital for anything test or XXXX. The bill comes to me then I take it to XXXX XXXX for reconciliation. 
XXXX has me on a scale where I pay a certain amount for each visit, they determine if a bill is cleared completely or a few more I will pay while they clear the rest. Usually, I will follow-up which I did then they give me a clearance. 
I followed all these steps and got the clearance over the phone that my balance is XXXX. Over a year later, I was going through a program to purchase something when they sent me a letter that something on my record is limiting them from proceeding. 
I was provided this number and I called. It was " COLLECTION AGENCY ''. I was shocked to hear about my hospital visit that was split into XXXX payments and I should set up a plan to pay. I tried to explain that I was given all clear but the lady speaking to me kept saying I should set up a plan or fax a clearance letter. 
I then ran to XXXX to replay this conversation I just had with XXXX ; according to the young lady I met, the guy that worked with me no longer works with them but the record they had on me was over a year prior to this bill with a XXXX balance. 
I further explained it 's strange since the letter I used for the procedure was given to me by the doctor there and faxed to XXXX from there. She went ahead to ask how I knew I was owed since they had nothing like that and I mentioned collection agency. 
She rose up to say that once things get there that they can not do anything. She could n't even see the lapse from their path even though she agreed the process I mentioned earlier were the correct steps in handling their bills. We could n't resolve this either. 
Right now, I understand the bill is about $ XXXX and I ca n't afford that let alone the bill I had no clue about. If I had seen the note from collection like they claimed, I would have still taken it back to XXXX but I got none. It was in the process that I told them to update my address since I had moved from where they claimed they sent me a notice. So I do n't know what to do at this point. I went back to the program expert who mentioned this discovery and was told to go online to this site and explain. Hoping to resolve this mystery completely soon.
On XX/XX/XXXX I received an alert from XXXX XXXX that my XXXX Credit Report has changed. Upon logging on I see that there is a collection for a balance of {$3200.00} with an original balance of {$4000.00} from Omega RMS. This account was added to my credit report with the original creditor XXXX opened on XX/XX/XXXX. I do not or have not opened an account with XXXX and have not received any paper work from anyone in regards to this matter. This account does not belong to me and I want this validated, not verified bearing my signature showing that they have right to place this item on my credit report. I know my rights as a consumer and this company is violating them. I received no dunning notices on this alleged account, and have no idea what this is. I will be disputing through the Credit Reporting agencies as well and expect this item be deleted immediately. I have attached a copy of how this appears on my credit report from XXXX. No account numbers available other than XXXX. There is no supporting evidence that this account is mine and I want it deleted immediately or I shall be filing civil suit against Omega RMS.
XX/XX/2018 XXXX AM originating from XXXX ... call after advising them already that a ) calls before XXXX AM are not permitted and b ) to stop calling me several times per day as I have the information needed via an email and it is a matter concerning my child that I need to review with my ex husband to pay. 

XX/XX/2018, XXXX XXXX call originating from XXXX, CA. Again advised to stop calling me. Contact at XXXX XXXX name was XXXX. 

XX/XX/2018, XXXX AM, call originating from XXXX, CA advised them to stop calling XX/XX/2018, XXXX AM, call originating from XXXX, CA, advised again to stop calling XX/XX/2018, XXXX PM, call originating from XXXX, CA advised again to stop calling XX/XX/2018, XXXX AM followed by XXXX AM call originating from XXXX, IL violating no call before XXXX AM and advised them of this and to stop calling XX/XX/2018, XXXX PM call originating from XXXX XX/XX/2018, XXXX AM call originating from XXXX, IL violating no call before XXXX law Saturday, XX/XX/2018, XXXX AM call originating from XXXX XXXX, CA XX/XX/2018, XXXX AM call originating from XXXX, CA, advised to stop calling XX/XX/2018, XXXX AM call originating from IL, violating the no call before XXXX AM XX/XX/2018, XXXX AM call and XXXX AM call originating from IL and CA That is merely one week of call log that is stored on my phone, this has been persistent and request made to stop calling. Additionally, twice I have had the experience of their representatives insisting that I could not get off the phone until I made a payment. One representative inferred that a payment of {$42.00} TODAY would satisfy the account as though the debt of {$870.00} would be satisfied. When pressed, he stated he needed a credit card number from me today to take a payment and that it was not an offer in compromise. 

This company is harassing me to no avail and will not respect the law of not calling before XXXXAM and not calling multiple times per day after I have requested that they stop and correspond via email only.