WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I have been paying my loans every month for approximately 14 years now I have paid XXXX a month for 14 years which equals XXXX. I understand that this total does not take into account interest, etc. my loans have been transferred a minimum of 4 times by different services/lenders/consolidators, etc. number one when they are coming after you for these loans you are 21 yrs old most likely and fresh out of school. The only thing you know is that if you don't pay they garnish your wages. But since you are fresh out of school you most likely don't have the salary to support such high payments. You most likely agree to " whatever '' just to get going and pay. Somewhere along the way yo hear about consolidating so you only have one payment and these companies are not helpful. do not explain at all nor educate you on your various options and their impact. I have two loans that totaled XXXX ( back in XXXX ) and as I said I've paid over 53,000 only to be seeing a statement that says my balance owed is still XXXX ( XXXX ). I currently have a fixed interest rate of 4.75 % my entire career has been in XXXX XXXX ( XXXX ) working with XXXX XXXX, XXXX or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. I need someone or somewhere that I can trust to take a look at my loans and tell me over the LIFE of them what has been happening and where my money is going because NAVIENT my current loan servicing provider was not helpful at all. They only told me that they can see that I have a special extended payment plan that was offered to me by the Department of Education and that they are not familiar with what that is, or the terms and conditions. She was able to tell me if I make any modifications to it, I will not be able to get it back because Navient doesn't offer that.
My home value is {$750000.00} My conventional first mortgage with NationStar/Mr. Cooper is {$170000.00} I do NOT require nor did I ever ask for an impound account. 
I pay my taxes and homeowners insurance on my own. I have never been late with either taxes or insurance. 
Lender arbitrarily opened an impound account for me. They state that my homeowners insurance company XXXX ( military insurance ) reported that I was late on my payments so they took 100 % of one of my mortgage payments and applied it to my insurance policy. 
So I now have a missing mortgage payment. I was not made aware of this and now my credit has been dinged with a 30 late payment on my mortgage. My insurance company NEVER reported me as being late, when I informed Mr. Copper ( Lender ) of this they stated that they saw on an EDI that I was paying monthly and they prefer payment in full on insurance policies. My insurance company is sending back the payment they received on my behalf from my lender. I am told by lender that until that is paid they can not close the escrow/impound account. I want my perfect credit score reinstated asap. Please advise.
I have been trying to have been trying to get a short sale offer reviewed for several months now.   Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of  XXXX  to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by  XXXX  agent ID :  XXXX  that file again has been closed out and NEVER reviewed by   XXXX  . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue.     Please see below my calls with several agents AND a Supervisor Spoke to  XXXX  Agent Id :  XXXX  Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet.    XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   -  XXXX   XXXX  Spoke to  XXXX   XXXX  Agent ID :  XXXX  He let me know that the file was submitted to  XXXX  and the review should be completed today. to Follow up tomorrow.    XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -  XXXX   XXXX  Spoke  to Ocwen   XXXX   Agent ID :   XXXX  As of  XXXX   XXXX  a request for the file to be reviewed by  XXXX  team was out in. They now do n't have a sale date in their system so  XXXX  sent the  XXXX  an email to review. she said we should have an update w ithin 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -   XXXX   XXXX   Followed up with  XXXX  li en Ocwen. I Sp oke to supervisor  XXXX  agent ID :  XXXX  their system was not updated with new sale date for  XXXX   XXXX  and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to  XXXX  team for decision. I was told to fo llow up 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Spoke to  XXXX   Agent I D :  XXXX  from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the  XXXX  and that the file would be resubmitted. He wants me to follow up Thursday  XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the  XXXX . I have another appointment with the relationmanager tomorrow @  XXXX  (   XXXX     XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX  file is complete can take 3-4 business days for decision. have an appointment t for  XXXX   XXXX   XXXX
I am behind a payment. I contacted Ally to make arrangements, they told me that they could defer XX/XX/XXXX and move XX/XX/XXXX to the end of the note and that my next payment would be XX/XX/XXXX, provided that I make the XX/XX/XXXX payment. This payment was made and all was well. In the first week or so in XX/XX/XXXX I received a call and was told that the agreement was not for XX/XX/XXXX/XX/XX/XXXX but for XX/XX/XXXX/XX/XX/XXXX and that I was late. I told them that I took the opportunity to pay off other commitments in order to avoid this in the future and that payment would have to wait until XX/XX/XXXX. ( both XX/XX/XXXX and XX/XX/XXXX would be paid then ) since then I have received daily phone calls. They state that they need information but I have given them the same information every time. It is clear that this is no longer about communicating but about harassing me. Arrangements have been made in good faith, even after they change the original agreement without my knowledge.
Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time
I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement.
I've been referred back to Security Intake Team concerning a check cashed in my name by someone else. This is a close out check in the amount of XXXX sent on XX/XX/XXXX, a stop payment placed on it in error, a second check sent on XX/XX/XXXX. I left for vacation on XX/XX/XXXX, a XXXX XXXX picked me up, drove me to airport. I was told by a XXXX, a manager, the check was cashed by a XXXX XXXX whom does not live at my address and am not related to. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, was not here to receive and sign check. If Capital One will check signature on file, they will see the signature on check is in fact not mine. A XXXX XXXX insists it is so she does not have to do anything further, ignores the fact I was not even at home to receive/sign check. She also refers to a prior check deposited via mobile app in the amount of XXXX from XXXX XXXX, I do not know anything about this transaction and has nothing at all to do with close out check cashed by this person. I have itinerary from XXXX showing travel info and can get a statement from the limo company showing I was picked up on said date.. Most recently, XXXX referred me again back to Security Intake Team whom does not return calls, numerous messages left prior to this issue as well as after and currently. Messages have been left by myself as well as from numerous managers, email escalations sent as well ... No call back. The stop payment caused my XXXX account to become overdrawn, a total of fourteen ( 14 ) overdraft fees charged in the amount of XXXX each, plus a return check fee in the amount of XXXX, a total of XXXX. Documentation concerning these fees emailed to Capital One prior, I was provided an email address by several managers, I do not have the address available to me at this time. I have not received a reply to date, XXXX requests additional copies mailed or faxed and will only credit my account which is now closed and has been closed for quite sometime ... Any reimbursement will have to be in form of a check as I've requested, a total of XXXX which includes fees in the amount of XXXX plus check amount of XXXX less XXXX. XXXX is the amount my account is now overdrawn by, a recent debit card claim was reversed and caused this overdraft. XXXX took over a month to reply to prior complaints, will not return my calls, a total of seven ( 7 ) messages left and none returned. She refers me back to Security Intake Team whom does not return calls, works off a voicemail, this is a mere run around.. In closing, I've spoken with several attorneys, was advised to file a small claim. In the even suit is filed, attorney fees totaling XXXX plus court costs will also be added on to suit. Please advise XXXX/Capital One, it would be in their best interest to simply pay the claim total of XXXX which includes overdrawn amount of XXXX. Documentation from XXXX which including statements will be filed with suit should legal action be taken.
I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. 

They failed to provide my ARS report. 


- They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
EQUIFAX AND XXXX  ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}
We received the response from our initial complaint, but we are absolutely not satisfied with our mortgage companys response. We want to know WHY our escrow account was been mismanaged in XXXX and HOW could they put us in this unfortunate situation. Our monthly mortgage payment from XXXX to XXXX has increased {$600.00} even with the escrow shortage being spread over 60 months. If we had known that our monthly mortgage payment was going to increase over {$600.00}, we would not have gone through with buying our home. And this increase is solely because of the failure of the mortgage company to appropriately manage the escrow account.
Wire withdraw of {$14000.00} from Coinbase to XXXX Business account was initiated on XXXX XXXX. This withdraw is confirmed in Coinbase 's system and has debited my account. 

The deposit never arrived. The XXXX Business account ( target wire account ) has been cancelled. I have contacted Coinbase informing them that 1 ) the wire never arrived 2 ) the wire target account has been closed. I have requested coinbase to refund the account with the {$14000.00} initial wire amount. Coinbase has been completely unresponsive. Account is XXXXXXXXXXXX
I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.
TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,
I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.
Incorrect loan amount appears on credit report, no reports of paying on time for last 4 years, no payment of interest on money when payment held in suspense, generating false payment reports than regular payments of loan
-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY XX/XX/XXXX
I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to XXXX as {$32000.00}. How do you have a {$29000.00} increase within 60 days? I did make a phone call to Hunter Warfield when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that XXXX went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.
XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.
To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.
On XXXX XXXX, XXXX, I filed a loan modification with my primary home mortgage lender, Aurora Loan Services LLC. They have since changed their name to Nationstar Mortgage. ( I have XXXX loan with Nationstar and smaller mortgage loan with XXXX Lender for the same house ) I was XXXX of those homeowners that signed a balloon home loan agreement back in XXXX. I did n't realize before I signed the loan modification documents, but on the schedule of payments table it shows that in the year XXXX I have to pay a one-time payment of {$180000.00} in interest. I believe this is absolutely absurd, because if I had the money to pay the mortgage payment, I would 've never asked for a loan modification. Instead they lumped up the mortgage payment at the end of my loan agreement and in XXXX I will still not have the {$180000.00} lump sum they are going to come after. ( Please see page XXXX of the Aurora loan modification documents I have scanned and attached for that table ). Keep in mind that there are XXXX difference loan numbers. The loan number I had with Aurora Loans used to be # XXXX. When the loan was transferred to Nationstar, my loan number changed to : # XXXX. I read in the XXXX magazine this year that consumerfinance.gov put penalties on Aurora for doing bad business with other homeowners and I 'm wondering if I qualify as XXXX of those homeowners, but they slipped through the cracks with my loan because Aurora was able to transfer my loan over to another name ( Nationstar ). Please help me look into this, because I think it is wrong on so many levels. Please assist me with getting Nationstar to rectify my loan modification agreement and take out that last payment of {$180000.00}. I 'm XXXX with XXXX income. Please, I do n't know what else to do, and I 'm desperate for any assistance or advice I can get. I appreciate your help. 
Homeowner, XXXX XXXX, ( XXXX ) XXXXcellAttachments : Loan Modification with Aurora - XXXX XXXX, XX/XX/XXXXNationstar Statement - XXXX XXXX, XXXX
I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX. 

Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX. 

I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX. 

I never received a notice. I never received a call. No communication was made. 
i have tried to contact them and they have not responded in any manner. 
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.
I received my " Experian '' credit report dated " XX/XX/2017 '' in the U.S. mail. On " Page 27 of 32 '' under " Record of Requests for Your Credit History '' in falsely is noted that " XXXX '' unlawfully accessed my credit report on XX/XX/2017. IThis is not mine. I am a victim of Identity Theft.
I've contacted Credit Acceptance, asking them to verify the debt. Along with all the original documents along with my signature. I was given a balance over the phone of {$4000.00} to pay off my debt. Now the balance is now over XXXX. Despite me contacting them and asking them to verify my debt. They continue to report late payments to my credit report, and have failed to send me any settlement offers or verify the debt owed. I no longer have the vehicle so I'm not understanding why they are asking for a large amount when the vehicle has been sold.
First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.
I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.
Calls daily 5 or 6 times. -paid on payments until I was hospitalized. Told company rep who threaten me.
- I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's only one per year- I call is only automated and online submission has not resulted in any responce except getting email to pay for score!!!