WillisBack/dataset-financial-user-claim huggingface dataset:
I have a variable rate loan with Discover, no where on their website in the loan information or monthly statements does it say my loan has a variable rate. I had to contact customer service to find out for sure. I mentioned this concern to the representative, they assured me they were compliant and not withholding any information as this was provided to me in my Final Disclosure Agreement WHEN THE LOAN CLOSED IN 2012 ( 5+ years ago, so I guess I should just remember it??? ). They also said this document should be available to view on their website, but conveniently enough, only my fixed rate disclosure is there and they need to mail me the variable rate one. The rep did say they would report the issue, but I've worked in XXXX and XXXX XXXX roles and know that does not always happen. So I've taken the initiative and am reaching out to you. I have a XXXX XXXX, I'm a XXXX/XXXX  XXXX  and have been in the XXXX XXXX   XXXX  for 5 years now and work with far more complex loans  than this on a daily basis. If I'm having troubles finding this information, I can only imagine the issues others are having! 

-XXXX
i was a victim of a lost credit card that was used in another country and when the charge went through it was associated with a phony address i have never been associated with. Lost my passport in which was reported to proper authorities and proof of loss reported given to discover along with valid dr notes to prove i was XXXX when fraud happened, Discover called dr offices to confirm my appointments but under the HIPA LAW THE doctors or nurses are not allowed to give personal info on where and what therapy i have had but my legal note were good enough for them they had me guilty before i could prove my innocence and would n't put me on a three way call with my dr to confirm i was at the dr when the fraud took place and accused me of tampering with the dr notes. I also had proof i reported my passport lost they did n't care less i want proof of the debt and want to see the credit card slips with my signature on them. Also i was screamed at by XXXX managers of the fraud dept and was called right out liar i will not be spoken to in this manner. I BEGGED THEM TO RESEARCH IT MORE AND BEGGED THEM TO CALL DR PUT US ON THREE WAY CALL SO I CAN GIVE PERMISSION WITH HIPA LAW LET THEM RELEASE INFO TO DISCOVER THE DR OFFICE THAT IS. DISCOVER BROKE THE LAW CALLING MY DOCTORS AND REQUEST PRIVATE PATIENT INFO ITS AGAINST THE LAW
When paying off a mortgage, Wells Fargo does not supply final statements and complete accounting for the mortgage or escrow accounts. 

I have had no fewer than 4 mortgages that I have paid off with Wells Fargo and each time the company failed to provide complete accounting of the mortgage and escrow accounts. I track my own transactions and every time I have paid off a loan the and escrow account is refunded to me, the amount I receive does not match my records or even the last escrow balance on my mortgage statement. 

When I call to get a final statement with a XXXX balance, they say they never supply the final statements. This is a very suspicious practice! They do everything they can to hide the details of the payoff accounting. Since the refund amounts are always less the amount I expect, I suspect there are charges or or fees that are being incorrectly charged and they are trying to hide it from the consumer. 

As you can see in the attached documentation, the mortgage escrow balance on XX/XX/XXXX was XXXX, but my refund after making one additional payment to the escrow account was {$1700.00}. According to my records, {$370.00} is unaccounted for.
XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXXXXXXI have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Hi, I purchased a XXXX XXXX 2014 in XXXX of said year. I feel I paid too much for it. Since then I 've been paying $ XXXX.month for the car at 9.1 % interest. My Credit score at the time was XXXX through XXXX. I paid {$4000.00} cash downpayment and at this point ( 1yr and a half later ) I still owe aproximately {$25000.00}. I am XXXX and maybe that was the reason they made me pay that much. I would like to find out. 

Thank you, XXXX XXXX
My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on  XXXX   XXXX ,  2017 . {$22000.00}  (  along with an account closing fee of {$15.00}  )  was debited from my HSA account on  XXXX   XXXX ,    2017 to close the account.     As of today,  XXXX   XXXX ,  2017 , this check with {$22000.00} has not been received from  UMB  Bank by my new  XXXX  provider,  XXXX   XXXX   XXXX .     I called  UMB   XXXX   XXXX  today  (   XXXX   XXXX ,  2017  ) for a status on this check. I was informed by the service representative that this check was mailed out on  XXXX   XXXX ,  2017 .     How come it took UMB Bank 8 days to mail a check for funds which was debited from my  HSA  account on  XXXX   XXXX ,  2017 ?
I have a mortgage loan with Ocwen who took over from my previous lender. I have been paying my mortgage on regular basis. Now they are claiming they I owe them  XXXX . I asked them to let me know what months of the past they did not receive the mortgage payment. Instead they send me confusing statement in which they apply my most recent payment to months in the past going back  one to two years
XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from XXXX XXXX which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask Experian and XXXX customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.
A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.
We moved out of XXXX XXXX at the end of XX/XX/XXXX. Around XX/XX/XXXX, we got a letter in the mail from a credit agency trying to collect almost 3,800 from us for XXXX XXXX. Right away, I called the trailer park & spoke to XXXX, the manager, & she wax very rude to me. I asked her why she had gone almost a year without ever trying to contact me to give me a chance to discuss this matter and/or pay what damages we are responsible for & why she went straight to the credit agency, almost a year later, without every contacting me first, & her exact response was, " I do n't gave an answer for you ''. I want to stress the fact that XXXX XXXX has always had my phone number & address. I know this for a fact because, even while we lived there, we used our current address for mailing, & always recieved any mail they sent us. My phone number has never changed either. She never tried contacting me in any way to discuss & take care of this matter within the 11 months after no longer living there, & went straight to the credit agency. We moved in to that trailer park with different managers at the time who put us through so much & we ended up accepting certain damages as is, at the end of XX/XX/XXXX. I feel like XXXX, the current manager, is charging us for damages we moved into & this amount of money is absurd, let alone the fact she never contacted me within 2 weeks to inform me of any fees. We were always very good tenants & never caused any problems. I wish for this to be handled legally & with appropriate ethics, which is should be. My name is XXXX XXXX. My boyfriend is XXXX XXXX. & my phone number is XXXX.
Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.
CAPITAL ONE AUTO MADE A HARD INQUIE ON MY CREDIT WITH OUT MY CONSENT
The creditor is reporting inaccurate information that my last payment was in XX/XX/XXXX when it was in XX/XX/XXXX to XXXX. If the correct information was being provided, it would be beyond the statute of limitations and I would be within my rights to have it removed. I wrote them a letter advising them to correct the information they are reporting immediately. The report they made to XXXX has no payment history, so the credit agency wo n't validate my complaint to them.
On XX/XX/2018, I settled my debt with XXXX XXXX through its collection agent, XXXX XXXX XXXX. I have been trying to get TransUnion to fix that information since then. I have disputed the information more than once and provided them with WRITTEN PROOF of the settlement. Despite this, they keep saying that the information is being verified as accurate. I have a separate complaint filed against the original creditor and the collection agency regarding that. But how can TransUnion ignore my WRITTEN PROOF? What is the point of disputing inaccurate information if the reporting agency ignores written proof? I feel like this is a willful FCRA violation.
As a college student I borrowed Federal Aid from the years XX/XX/XXXX - XX/XX/XXXX. In total, about {$22000.00}. My loans went into repayment in XX/XX/XXXX. I was informed that due to my gross income, I had qualified for income based repayment and have been on the payment plan ever since. My issue is that I have only ever signed an application that did not disclose the terms or consequences of choosing an income based repayment plan, which has now incurred an additional {$10000.00} in principal balance owed. I want to know why a mortgage loan requires 100 pages of disclosure and a truth in lending/loan estimate to be signed, but there are no documents that indicate A ) your monthly payment may not be high enough to pay the interest that accrues on your loan each month, B ) the unpaid interest will be capitalized to your loan balance, thus increasing the principal amount owed, and B ) when your balance is finally " Forgiven '' the amount that is forgiven needs to be claimed as income on your tax return. I have gone through all of my paperwork since XX/XX/XXXX and can not find any piece of paper that acknowledges these items. I feel I was taken advantage of by this servicer in a financial hardship which has snowballed my financial trouble. I spoke with " XXXX '' today who was extremely rude and told me to " relax '' and to " Just keep paying since my balance will be forgiven, '' When I called him out on having to claim the charge off on taxes and that although I keep paying my balance will increase since the payment will not cover interest, he said my other option was to just go back to standard repayment. ( At $ XXXX/month ) I feel that numerous lending laws have been violated in the lack of disclosure of the terms of this repayment program. I want this investigated and I do not want to be responsible for an additional {$10000.00} that I never signed a Note to Borrow.
Mortgagor is currently under contract for the sale of his property but servicer has a foreclosure date set for XX/XX/2016. Sadly mortgagor just realized he was scheduled for foreclosure the XXXX two days ago. I reached out to the mortgagee ( Nationstar Mortgage ) and requested a postponement of the foreclosure and let them know the current offer pays them in full but they said they wo n't guarantee me they will postpone. I am hoping they will but fear if they drag their feet I wo n't have time to stop the action. I am requesting the CFPB stop this foreclosure because the damage to my client will far outweigh any potential damage to the mortgagee and or investor on the loan. I know this is last minute but this case has compelling circumstances that warrant flexibility of the mortgagee.
My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX  credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer.
I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x XXXX ).
XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting.
The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!
I been disputing for months, with XXXX and Transunion and the company, LATE PAYMENTS on XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
The Law Offices of Taylor, Pigue, Marchetti and Blair, PLLC had, for several years, garnished my wages while I worked for the XXXX. We have asked them repeatedly for a full accounting of all monies received and how they were applied and they have failed to respond to my request. It seems instead of the debt being reduced it continues to increase. I retired from XXXX in 2015 and am currently unemployed - it is imperative that I know how much money they have received and how it was applied, so I know how to move forward.