WillisBack/dataset-financial-user-claim huggingface dataset:
I have been calling numerous times ( about once every couple of weeks for the past 6 months ) to have FedLoan Servicing fill out a voucher and send back the voucher mailed to them by XXXX so that my XXXX XXXX Award can be sent to pay my student loan. It has now been one year since the request was first sent to FedLoan Servicing by XXXX, and I have not been able to get FedLoan Servicing to send the appropriate completed voucher to XXXX to get my student loan payment made by XXXX. XXXX said today they now had to cancel my award since there has not been any action on the account within the past 90 days. This is a loss of {$450.00} that FedLoan Servicing has caused as they have continued not to fill out the voucher that XXXX sent them to fill out. I have spoken to several Supervisors at FedLoan Servicing and no change has happened. They have a record of all my calls and interactions and so does XXXX. Please someone help me. I did service for XXXX when I was in graduate school to help pay off my student loans and now FedLoan Servicing has made me lose my money award. Please help me. I ca n't afford this loss. Thank you for your time and consideration.
This is information total incorrect, some one stole my identity. I never receive this services. 
Agency Open XXXX BalanceXXXX XXXX {$5500.00} account reported on XX/XX/XXXX Account # XXXX $ XXXXCurrent BalanceXXXX XXXX XXXX ER SVCS OF XXXXOriginal Creditor {$550.00}, Original Balance, XXXX XXXX, XXXXDate OpenedXXXX XXXX, XXXXReport Date, See something wrong, XXXX XXXX XXXX {$2700.00} account reported on XX/XX/XXXX
If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.
Portfolio Recovery get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered Portfolio to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the bureau to inform them of the inaccurate inquiries on my credit report i was advised to call the company which I did and was told to call Transunion back so they could work together to have it removed but nothing was resolved XXXX XX/XX/XXXX contacted the bureau issue remains unresolved XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Contacted the bureau and it remains the same and unresolved
we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.
I disputed a debt with XXXX XXXX with Transunion because a debt they are reporting on my credit report without the company notifying me of my rights to dispute the debt before placing it in your credit and did n't give me a chance to dispute the debt. It 's not my debt and they ca n't verify that it is with me but Transunion said they verified with them. The original owner which are XXXX XXXX say that they do n't have a record of me owing any debt to them! It was deleted from my Transunion credit file under the name XXXX and replaced with the a different name ( XXXX XXXX XXXX ) but same company and address. I disputed it initially with Transunion because they placed it in my credit file without any right to dispute or any notice. No validatity of the debt as required by law! After the initial dispute the company just basically kept the debt on my report in a different name and said that they verified it and did n't! I want Transunion to be held accountable for doing their jobs and actually verifying the debt and not taking a collection company word with no documents to support their claim!
The purpose of this letter is to request a formal review of our loan modification that occurred last year. The entire experience was very painful as we were working with XXXX XXXX and then requested a new representative. XXXX XXXX became our focal point and after the long process of being denied a few times and served with foreclosure papers. 

We were in constant daily communication with XXXX beginning in XXXX XXXX. Although XXXX was not working then so she could not provide proof of employment, she received a severance package so we clearly had the funds to make full mortgage payments. The reason we were requesting a loan modification is lower monthly expenses not because we could afford the payment. This was our first experience with the process and repeatedly asked XXXX for advice and instructions. XXXX advised us to postpone full payments, however, until the process was completed. We relied on his advice and trusted that since we were in ongoing communications, everything was okay. 

One day, in between the calls with XXXX, we were informed that our house was going to go through foreclosure. We were shocked, scared and confused because we had just talked to XXXX and he said everything was fine and under review. When asked about the late payment notices, he advised us " not to worry - these letters were being automatically generated by another department. '' Again, we trusted him until people started knocking on our door offering financial counseling. This was so embarrassing, we requested a new representative. XXXX XXXX handled the rest well and suggested that our mortgage was fine and credit reporting would later be corrected. 

We are in the market to purchase a car and was informed that we have 3 late mortage payments last year at exactly the time of working with XXXX. This is ridiculous because again, XXXX had a full year severance that we could use, however, we were advised not to worry per XXXX. 

Here we are almost a year later. Mortgage payment barely dropped and our credit score is negatively impacted due to working with Wells Fargo and listening to the advice of your representative. 

We are requesting that Wells Fargo either reverse the late payment notices or make notation that it was at fault in this process. We really need to buy a car so this needs to happen immediately. We have been dedicated customers to Wells Fargo for over 10 years and would hope that we would not have to change financial institutions considering we were given wrong instruction by one of your representatives. 

Regards, XXXX and XXXX XXXX The above letter was sent to Wells Fargo on XXXX/XXXX/XXXX. In XX/XX/XXXX, we received notice that Wells Fargo would not do anything to modify our credit report. We were never in a hardship and was simply looking for a lower monthly payment. We were advised to not make full payments, which was wrong advice. We trusted the bank and have now suffered. The monthly payment ended up to be only {$50.00} less after all of this unfortunate situation.
Mortgage loan number XXXX Chase Mortgage originally offered lower rate through HARP in XXXX 2014. Lack of communication resulted in me missing the deadline for submitting insurance documents and I was informed the HARP was no longer available but could reapply for another program. I twice inquired about why I was not notified about the missing document but have only gotten conflicting information. 
Thank you.
I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.
XXXX XXXX XXXX of California has confirmed several times that consumer do not owe any overpayment ; however debt collector Cain & Weiner is trying to collect. Consumer had a problem with another debt collector last year trying to collect on this bogus debt, and that matter was resolved and consumer was taken off debt collector 's list. Even though I kept telling this phone rep from Cain & Weiner that he should not be calling me and that I do not owe any overpayment to XXXX XXXX XXXX, he kept stating that I do. Consumer hung up.
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report Equifax XXXX aI and XXXX but they refuse not to
My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life.
XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
In Spring/XX/XX/2018 I switched from XXXX to XXXX. When I made the switch, I contacted XXXX about porting my number to XXXX. They told me that the switch would be fine and all I needed to worry about was sending my old device back ; they never mentioned anything about additional funds owed. I received their shipping box and sent my old device back.
The complaints I have been having Wells Fargo get me the answers to are all coming in the mail and there are so many discrepancies as to what I have. What I have was all sent to me many years ago and I kept all of it. 
My computers, tablet and phones have all been hacked and there are many reasons Wells Fargo does n't want me to be able to upload any more documents that prove they have been causing a housing shortage, until the FED does a hike in interest rates and then they are going to kick the remaining people out of their homes without doing anything to help them. 
I see what they have done to my brother and now it has affected me personally. Due to their need to get these zombie homes back into the mainstream and sell them yet again, they need to stop me from providing further damaging information on them. 
PLEASE make sure all information you have is correct as I am also willing to provide the information that they were allowed to use false information. 
I will be following up with hard copies that I printed in advance as I thought something like this would happen. 
The foreclosure victims should be able to get at least fair market value for their houses if they are forced to sell.
I want to refinance my mortgage under the HARP program, but everytime I call Bank of America they tell me I am not qualified, but will not tell me why. In 2009 I applied for a HAMP modification and got the royal run around from Bank of America. I was told at an annual salary of {$75000.00} that I did not make enough money, then I was told I made too much. Finally, I got my congressman 's office in Virginia involved and while I got a modification, it was bank proprietary and turned my conventional mortgage into 40 years. Please help me. If I am not qualified, then please advise the bank to tell me why. Thank you very much.
I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/18 Ally Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.
I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.
The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to   XXXX   '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
I submitted a previous complaint along with my ID and affidavit of id theft to this company, in XX/XX/2018, I asked that they do not contact me or continue to report or try to collect false debt from me, I recently began getting calls from this company again dispute them sending me a letter stating the matter was closed. Ive already submitted the ftc affidavit, police report and ID, this company is creating undue hardship on me emotionally and it will no longer be tolerated.
I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.
I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.
In early XXXX XXXX, I called XXXX XXXX, I explained that my husband was laid off in XXXX XXXX. They put us on a 6 month forebearance plan, the details were as follows : 6 month plan, monthly payments of {$250.00}. XXXX XXXX was the last month on the plan, I paid more than the amount requested. I asked " What happens when the 6 months are up and my husband is still unemployed '' I was told you can re apply and we will extend it. On XXXX XXXX I re-applied for the extention and I was surprised when I was denied, because our mortgage was in default by 9 months. Of course it 's in default, I was only supposed to be paying $ XXXX/mth. I  will continue to try and make payments, but I was told eventually it will get to the point that my mortgage will go into foreclosure and I will not be able to make single payments