WillisBack/dataset-financial-user-claim huggingface dataset:
In 2012 Statebridge did a loan modification on our mortgage, we were made to understand that we will get relief for the rest of the loan term and our loan term was extended to, unknown to us, they had indicated that the loan will rest to original note after 60 months. Now the original loan was a construction loan through k bank at an interest rate of 5.95 %, after the payment started, we reached out to XXXX XXXX and the rate was reduced to 4.9 % for the rest of the 30yr term, we had trouble making payments and Statebridge modified the loan, however upon selling the loan to other servicer, Statebridge and indicated the loan to be reset to 5.95 % instead of the 4.93 %, please refer to the modification doc and review your existing term and the new term on the last page of the modification. XXXX XXXX had sold the loan to XXXX at rates of 4.93 % and the same was sold to you, why did you revert to the 5.95 % of the construction loan. Now what was meant to be a relief is now a burden, we got a relief for 5yrs and now burden for 35yrs.
Today 's mail had a letter and other materials for an " automatic upgrade to the Wells Fargo Visa Signature Card '' from XXXX XXXX XXXX, Senior VP, Credit Card. Unfortunately, the materials consisted of XXXX words in very small fonts explaining the " benefits '' of the program. The main cover letter contains confusing and sometimes contradictory wording. We called Wells Fargo customer service, XXXX, in an attempt to get some clarity about what was being offered. The representative on the phone was unable to help, seeming unfamiliar with the offer. All I really want to know is what is different about this card being offered compared to the card we have right now. The obfuscation here is mind-boggling!
I did not receive the promised XXXX ThankYou points for opening a Basic checking account and satisfied the requirement.
This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from my credit report.
The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.
Transunion consistently displays the message " We are unable to complete your request at this time. '' on their website when trying to view my free consumer file, dispute a claim, or freeze my account. 

I believe this is by design to make my access to my information difficult and create a barrier to me controlling my data.
I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.
before I applied for a modification six years a go I reached sls mortgage and asked for help in reducing my mortgage or anything they could to help they said they could n't help me because I was current on my payments I end of getting behind and i applied for a modification 6 six ago and receive it now 6 years later they set me up to fail im worst off now with higher payments I cant afford and they attached the monies to the mortgage as I waited for the modification ... my payments are XXXX a month from when I needed the help for XXXX a month 6 years a go. I would love to stay in my home and get a fix rate and lower payments I read all the reviews about sls and they been doing this to ppl for years we are losing our homes because we cant afford the payments ... I called onXX/XX/XXXX to see if I was approved for the modification they said still pending, they ask me that dayXX/XX/XXXX did I receive a letter from them I stated I havnt received anything they said we sent out a letter on the XX/XX/XXXX that they are going up on my mortgage it will be XXXX as of XX/XX/XXXX I said less than 30 days she said yes I was just paying XXXX last month 2 months before that XXXX it been going up quite often in a years time please help me im drowning in this situation
I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.
I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time
I have submitted several request for validation and verification of inaccurate accounts on my Experian credit report. Experian states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Experian has ignored my request and now states they will not start another investigation. Experian still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
In the months of XX/XX/XXXX and XX/XX/XXXX I have spent several days corresponding with XXXX XXXX    about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.
I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.
According to my credit reports from XXXX, XXXX, & XXXX, ProCollect is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State ProCollect Inc does not have a bond for the state of Texas to collect debt. ProCollect Inc is attempting an illegal practice of collecting debt in the state of Texas.
On XX/XX/XXXX the day after the payment due date and the day after AMX withdrew the money from by bank account, I received an email stating that AMX has reduced the credit line on my AMX Blue Cash card by {$3100.00} even though I have never paid late or missed a payment, never exceeded my credit limit, and AMX has increased my credit limit several times ( credit limit increased {$2000.00} on XX/XX/XXXX, {$3000.00} XX/XX/XXXX, and {$1700.00} XX/XX/XXXX ). On XX/XX/XXXX I received a letter from AMX stating that my credit limit had been lowered. According to the letter part of the decision was based on my FICO score the AMX obtained without my knowledge or permission on XX/XX/XXXX. By reducing/lower my credit limit it will appear that I am using a higher percentage of my AMX credit line that I was when the purchases were made therefore reducing my FICO and credit score even lower than what it was prior reducing my credit worthiness and making harder and more difficult for me to obtain credit. I don't know what AMX 's objective is and or what AMX intends to accomplish by reducing my credit limit. There is no statement on the credit report that indicates that the credit line was $ XXXX and balance was $ XXXX  prior toXX/XX/XXXX and that on XX/XX/XXXXthe credit line was reduced by {$3100.00} for other creditors to see when pulling a credit report and considering any credit application. On XX/XX/XXXX, I contacted AMX by phone to discuss the decision to lower the credit line and spoke to a representative of foreign extraction, it seems that AMX out sources customer service call centers to foreign countries. The representative asked questions about my employment and income and if I rent or own my home and I told him that I own and that the house was paid for and there is no rent or mortgage payment owed and the house is free and clear. The representative stated that in order to restore the credit line I would have to pay 50 % of the balance owed by XX/XX/XXXX or submit financial documents such as bank and savings account statements, IRA or 401k, ect., for AMX to " review '' and make a decision within 45 days. In previous experience with companies most of the time when they offer to " review '' they usually still say no and make up some reason to justify upholding the original decision. It is highly unlikely that AMX would revers it decision so it would be a waste of time and effort to submit financial documents and that my 401k and IRA are less than 90 days old so there has been no time for them to grow interest and become established.
My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. 

The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. 

I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.
This was opened in XX/XX/XXXX. I want this deleted off my credit report immediately. Great Lakes sod this debt to the United States Department of Education. I paid this debt in FULL including all fees XX/XX/XXXX. As of today XX/XX/XXXX it is still showing on my credit report. In addition this shows as two separate negative items because Great Lakes is listed and US Department of Education. I have been denied new lines of credit more than 8 different times due to this false report. This is impacting my credit score negatively. It is not rising even though the debt was paid 19 months ago.
GMAC continues to report negative information and an outstanding balance even though the account has been discharged in a chapter XXXX bankruptcy. The credit reports do not reflect a zero balance nor do they state the account is included in a chapter XXXX bankruptcy. 
I have disputed this with all the credit reporting agency 's without any response.
I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.
I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.
Placed an order XX/XX/18 for {$640.00}. I was to receive {$110.00} Kohls cash and XXXX rewards points. Kohls canceled the purchase without notice at all. When I call it takes about 30 mins to reach someone, which I rarely have time to do. Finally I reached someone who placed my order. Unfortunately she did not restore my points earned nor did she reinstate the {$110.00} kohls cash. That was early XX/XX/XXXX ( XX/XX/XXXX ) and the chairs were delivered ( XX/XX/XXXX ) and the billing cycle closed XXXX. I did not receive a bill until yesterday ( XX/XX/XXXX ) - likely because the purchase was not finalized until this billing cycle. 

Now Ive received a statement confirming no rewards points and no Kohls cash and applying a {$27.00} late fee {$14.00} in interest for chairs that were just received. 

I called 3 times today ( XX/XX/XXXX ) while extremely ill. First I was told that bc I will not provide my social ( to someone outside the country ) I am refusing to verify my account so I can call back. When I demanded a supervisor I got an unnamed voicemail after leaving the voicemail the call was terminated. 

Second call, the rep extorted me by telling me unless I make a {$74.00} payment he will not remove the fraudulent late fees and interest charges. I went over it with him 5 times and he refused to say anything other than once you make the payment I will see about the charges. 

The third rep says they can not help with Kohls cash or rewards. I asked for a supervior and was told they are busy. I told him I already left a voicemail. 

XXXX the collections supervisor finally told me that I was in the wrong department but that my account is delinquent, completely ignoring the prior 18 mins of explaining I had done, so she transferred me to another endless hold line. 

I was transferred to someone named XXXX who is not a supervisor. She had to transfer me back collections. 

Now transferred back to person # XXXX XXXX. She claims that once they receive my payment they will remove the late and interest fees. It took 3 hours to accomplish this. 

This is outright fraud what they are doing. They are enticing consumers to buy goods on the false promise of receiving Kohls cash and rewards points but never award them. They are also charging interest for purchases that have never been fulfilled. 

Upon further review, I was not awarded points for a transaction on XX/XX/18 for a {$540.00} purchase either. 

Every {$100.00} spent generates a {$5.00} reward. I have spent nearly {$1200.00} this year, which should get me {$60.00} in reward points. I have a balance of XXXX points somehow. 

I paid {$530.00} through my bank today which is $ XXXX- {$110.00} ( Kohls cash stolen ) - {$27.00} ( fraudulent late fee ) - {$14.00} ( fraudulent late fees ). 

I have the last 3 calls recorded and screen shots to prove all of the above and video at my home of the chairs being delivered XX/XX/XXXX
I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.