WillisBack/dataset-financial-user-claim huggingface dataset:
My property at XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX was sold while I was in a modification Program. I did not recieve report back on the modification before the sale the paper work was turn in on ( XXXX/XXXX/16 ) and the sale was on ( XXXX/XXXX/16 ). They said that in needed to be in senven days before the sale day. Please help me keep my home. XXXX XXXX XXXX my phone number is ( XXXX ) and cell phone is ( XXXX ) Thank : You XXXX XXXX XXXX
On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow XXXX is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
1 ) Chase did not send me the actual signed modification agreement in the package. 
2 ) Chase did not properly apply payments to any of my principal balance. 
3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 
4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.
On XX/XX/XXXX, Wells fargo 's XXXX XXXX responded to my complaint XXXX to CFPB dated XX/XX/XXXX, stating TO CFPB, among others including " APOLOGIZED FOR ANY LAPSE IN CUSTOMER SERVICE '', THAT " A REVIEW FOR PAYMENT ASSISTANCE IS IN PROGRESS '', WHEN IN FACT IT WAS ALREADY DENIED ON XX/XX/XXXX by XXXX XXXX of Home Preservation and her Team ( see attachment XXXX ). This can be called a lie to a Federal Agency, or incompetence, but I know for a fact that Mr. XXXX  has my updated information available to him on his computer ( I know this because he and his 'predecessor ' XXXX XXXX accessed 'current ' information re. Ms. XXXX  's work/progress while I was on the phone on previous occasions ). Mr. XXXX  written response to CFPB can also be called an attempt to hoodwink CFPB into believing WF was still reviewing me for payment assistance.

I spoke with Ms. XXXX  on XX/XX/XXXX in a Conference call with a XXXX  County government representative listening/participating. I brought the above issue to Ms. XXXX  's attention - she said Mr. XXXX  researches the past, and she decides the future - well, Mr. XXXX did not research well or deliberately misinformed CFPB.

Ms XXXX said the suspension of the foreclosure around XX/XX/XXXX will be lifted around XX/XX/XXXX and for me that means that an auction date for mid-XX/XX/XXXX will be set. I also requested Ms. XXXX to provide me with the reason for denial, which was negative NPV ( net present value ) of the property. On XX/XX/XXXX she provided the worksheet used for NPV calculations of a loan mod. She used 5 % interest rate, down from the existing 7.125 % interest rate charged by XXXX XXXX or XXXX XXXX XXXX XXXX. ( see attachment XXXX  ) since XX/XX/XXXX, the investor for which Wells Fargo is the Servicer, which therefore resulted in negative NPV.

I suggested in the past that I would be willing to pay the existing mortgage at 7.125 %, HOWEVER I can not afford to pay the arrears immediately, but can if stretched over a period of time.

I also suggested on XX/XX/XXXX by email to Ms. XXXX  to calculate NPV at various rates, such as 5.5 %, 6 %, 6.5 % and 7 % to see if this resulted in a positive NPV, since 5 % resulted in negative NPV and denial.

NOTE that Mr. XXXX only researches the past, so his statement has no validity, since the next minute Ms. XXXX and Team can decide to bypass his statement ( HOWEVER, in my case, he made an untrue statement that " a review for payment assistance is in progress '' on XX/XX/XXXX when XXXX  had already denied it by USPS mail ( attached ) on XX/XX/XXXX. This despite the fact that Mr. XXXX has current, maybe live, access to my case/Ms. XXXX 's files, and I know it, as stated above ).

This error or lie to the CFPB should be reason enough for WF to be penalized, and/or I receive a Loan Modification, at one of the interest rates stated above.
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )
At the beginning of XX/XX/2016, my income was incorrectly calculated by FedLoan. Because of their error in calculations, my income-based monthly payment was approximately 3x higher than it should have been, and it was impossible for me to pay. When I contacted FedLoan, they told me that the only solution to the problem would be for them to conduct a review of the situation and try to sort it out. When I asked how long this would take, they said it could take up to 3 months after receiving additional paperwork from me ( paperwork I had already previously completed and submitted months before ). They also said I would have to pay the incorrectly calculated monthly payment ( & gt ; 25 % of my take-home pay for the month ). They asked for me to resubmit my proof of income, and they also made me complete ( AGAIN ) another income-based repayment enrollment request and mail it to them. I did all of this. Over a month later, I called for an update and there had been no progress. One individual I spoke to said that the additional paperwork I sent had been received, but had been incorrectly filed. Therefore, they needed me to send it again. Because I could not pay the incorrectly calculated monthly payment amount, they said my only option was to put my account into forbearance. Keep in mind, I had been making monthly payments on my loan since I graduated from school - NEVER putting them in forbearance or deferral. I filled out their paperwork a third time and submitted it. Over the next 4 months, I called FedLoan monthly to check in with them, wasting hours of time waiting on the phone. Over these 5 months, I had to put my account in temporary, monthly FORBEARANCE FOUR TIMES since they could not get their act together. ( 1 ) During this time, my student loans accrued & gt ; {$5000.00} in interest, which was not being paid down since I could not make the payments THEY incorrectly calculated on my account! ( 2 ) Furthermore, I missed out on & gt ; 5 payments that would have counted towards the 120 payments required for the Public Service Loan Forgiveness Program. ( 3 ) Finally, as I was not able to make my normal payments on my account, I wound up paying 50 % less on my loan than I did last year, which negatively impacted my tax return. All of this ONLY because it took FedLoan & gt ; 6 months to resolve a simple issue which was their fault. Who is going to compensate me financially and personally for the repercussions of their mistake? They certainly have n't, nor have they apologized, or improved any part of their customer service process.
I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances.  They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt.  I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009
My card was closed due to fraud, but card co. did not inform me of a XXXX balance left on account before issuing new card. Balance has been paid.
I still have phone call or lathers to ask me to for pay back money I didnt used it. All ready I reported to XXXX  about fraud ( someone its been use my informations ), and my credit its worst.
I have been a   college student   since   XX/XX/XXXX . I attended a private college until  XX/XX/XXXX , and then in  XX/XX/XXXX   I started attending public universities- First was  XXXX  University  XXXX  There I received federal subsidized and unsubsidized loans without any problems. I beg an      XXXX   XXXX   at  XXXX   XXXX  University in   XX/XX/XXXX , a nd received  XXXX  PLUS loans unt il  XX/XX/XXXX . Aga in, no problems. For the past 2 years I have been attending     XXXX   XXXX     at  XXXX  University, and continued to receive  XXXX  PLUS loans with no problems.. UNTIL my servicer got switched to Navient. As soon as my loans got transferred from  XXXX   XXXX  to Navient, my financial aid was cut off, and loans immediately went into repayment. Navient claims that  XXXX  University borrowed too much money for me in   XX/XX/XXXX ,  and I have to consolidate my loans and begin repayment immediately. I am poor. I am  XXXX . I am a former   XXXX   XXXX   XXXX  . I do not have an income besides small  XXXX  payments  ( social security ). I do not have a family to fall ba ck on. I survive on my   XXXX    PLUS loans which pay for my cost of living. I was never given any notification, phone call, or email informing me there are any problem. I am about to be evicted, and I will be homeless on  the street in 1 w eek because of this problem Navient claims that no other servicer or university claimed. I am about to lose everything as a result of this claim  Navient  is making which there is no evidence of anywhere. Additionally, I am still enrolled in school full-time. Yet they have still put my loans into repayment. After doing some research, I have found Navient is being sued by th e U.S  XXXX  Consumer Financial Protection Bureau for doing similar things to other consumers. Add my story to the list of evidence against them. If you know how I can get help, please let me know.
This complaint is a follow up to complaint ID XXXX-XXXX. Mr. Cooper asked for an extension to respond to the above mentioned complaint. The expected a response by today, XX/XX/XXXX. This is in response to an error they made to an agreement we reached on XX/XX/XXXX to take my house out of foreclosure and reinstate my previously agreed to modification. 

I have been making my monthly payments on time since the almost $ 38k settlement agreement. I called Mr. Cooper today to inquire about ( 1 ) the complaint response status and ( 2 ) to make my agreed upon XX/XX/XXXX payment. 

I was informed that ( 1 ) no response has been submitted yet, ( 2 ) the account has been placed back in foreclosure status, and ( 3 ) they refused to accept my XX/XX/XXXX payment.

This matter requires immediate attention. The actions of Mr. Cooper are unprofessional and reprehensible. This situation has caused me physical and mental damages, in addition to causing my breakup with my fianc over this incident.
I receive a loan from this company in which interest rate sent was exceeded what law allows. I have tried to payback loan but due to high rate I have been unsuccessful.
XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..
in XXXX 2015 after my GREAT Hubby 's XXXX, I inquired of a used van @ XXXX XXXX in XXXX XXXX, XXXX, sales person wrote it up. finding the fee, I called my son who was to purchase it said he could not do so. No transaction followed.XXXX has 'dropped their inquiry per my request THIS YR. Somehow XXXX XXXX they work with, I contacted TWICE say they have NO RECORD OF SUCH TRANSACTION, STILL THEY ARE NEGITIVE ON MY SCORE. 
PLEASE HELP WITH CORRECTING SAME. SINCERELY XXXX.
Today, XX/XX/2018, I attempted to connect my XXXX XXXX XXXX ( XXXX XXXX ) with a credit card management system. I've been able to connect all my other accounts however XXXXSynchrony is blocking me from enabling this external application. As this is my account, I have the right to access my account details however I wish using my own credentials.
On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. 
Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. 

It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX
Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.
I have contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.
My debit card was used at XXXX for a XXXX dollar whoever did this used credit not sure if the transaction was keyed in are a copy of my card was use but my card never left my wallet i do n't make charges for that sizable funds checking my online account after being denied a transaction I discovered it this took placed on the XXXX to of the month of XXXX I noticed it on the XX/XX/XXXX the and contacted the bank on the same after returning a fax to them they emailed me saying they wo n't replace my funds that money was all I had please help XXXX @ XXXX, XXXX XXXX XXXX.
XXXX ,   XXXX   and Equifax are reporting late payment history for an obsolete account that is eligible for deletion.  XXXX   XXXX , account number  XXXX , date opened  XXXX /2005. This account was not paid late and I have asked  XXXX ,  XXXX  and Equifax repetitively to remove the outdated account with incorrect payment history.. Then I have asked for the  XXXX , Equifax and  XXXX  if verified to please provide how this debt was verified and to please provide who verified so that I can escalate the matter to assist me in getting this outdated account removed with incorrect payment history. I am baffled as to why the company is refusing to remove the outdated account or update the incorrect payment history. I have not been late with the account.
Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX
We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.
Ive paid on my  XXXX  car loan t o CPS for over 3years  at  XXXX  and they say I still owe  XXXX  please overlook my situation I believe I am being frauded.   .
This was a debt that I did not owe that was incurred by my ex-wife six years ago. Although I was not obligated to pay the debt by the terms of the separation agreement, and did not agree to incurring the services and the cost thereof as the separation agreement required me to pay for healthcare premiums and XXXX XXXX to simply absorb any copays, I paid this amount so as to facilitate my children 's well-being and conclude a divorce. I paid this {$60.00} charge in XXXX XXXX even though it is an account that belongs to XXXX XXXX and even though she sent the bills to me months after they were due -- thereby causing them to be late through her negligence. Nonetheless, I paid them, successfully contested the negative marks on my credit reports, and believe the matter concluded. I heard nothing more about it, and it did not appear on my credit report, until six years later, in late XXXX XXXX, out of the blue. It is paid and closed and was only late for 30 days because XXXX XXXX did not inform me of a co-pay that was due. I spoke to XXXX at the collection company, Capital Credit and Collection, today, and advised her of the above facts. She indicated that Capital Credit and Collection had not taken any actions that should have resulted in reporting this paid and closed account as a negative account on my XXXX credit report. XXXX at Capital Credit and Collection advised me to dispute the account to XXXX and to the CFPB and that when XXXX and the CFPB contacted Capital Credit and Collection XXXX or XXXX of her colleagues would instruct XXXX and CFPB to remove the negative account from my credit report. I hope that indeed Capital Credit and Collection does as promised and removes this negative account from my XXXX report as well as the other XXXX XXXX and XXXX reports if it shows up there. If not, I will be obligated to commence litigation against Capital Credit and Collection. In other words, Capital Credit and Collection does not want this item on my credit report and did not report it to XXXX, and yet it is on my XXXX Credit report. It needs to be removed immediately as it is interfering with my credit score and my ability to purchase a house for my family, including foster children.
I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.
Macy 's credit card always paid in full has a XXXX balance. I get an email for a purchase on XXXX XXXX 2016 for a purchase I made in XXXX NY. Knowing I have never been to XXXX I contact Macy 's, they close the account and open a new one and file an investigation. XXXX XXXX I get a call stating I am late in payment. Macy 's internally has taken past payments and fraudulent charges applied it to new card and then report to credit bureau that i am 30-60 days late in paying as they took my earlier payment from XXXX off of the original account.
I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.