WillisBack/dataset-financial-user-claim huggingface dataset:
I bought my home with a VA loan that is currently held by XXXX XXXX. This companys agents have made misrepresentations and claimed that since I have a VA loan and I am delinquent that there are no options to restructure or modify the loan except for full reinstatement of the late payments. After a temporary hardship I contacted XXXX to ask for assistance and was told initially that they could help me and that I qualified for help. A few months later after a review they told me that I was denied due to lack of income. This puzzled me and they did not give a lot of details, and I believed that they had made some type of mistake. I resubmitted and updated package with the same income and a few months later was denied again.this time for too much income. I was confused and did not see how this made sense and began asking lots of questions. That is when I was told that since I had a VA loan and I was delinquent that there were no options. I checked on this and found this information to be false. There are modification programs, forbearance programs, repayment programs and they also can restructure the loan and incorporate the arrearages into the balance. I dont understand how or why XXXX XXXX thinks they can get away with this. Instead of working with me they scheduled a foreclosure sale date! They are denying me access to government programs that I qualify for. 

I bought my home with an adjustable rate VA purchase loan back in XX/XX/XXXX through XXXX XXXX. I have paid my mortgage as agreed with no issues until early XX/XX/XXXX when I suffered a fall ( I am XXXX years old ) and was injured and unable to run my XXXX and XXXX   business for several months. This eventually led to a default on our loan ( after 12 years of on time payments ). As soon as I was back on my feet I began trying to apply for modification assistance. As I explained, their agents were very helpful at first and led me to believe that I qualified for help. After submitting all of my financial information a review was conducted, and ultimately I was told that I did not qualify due to a lack of income. I was certain that this was some type of mistake, so I resubmitted a new package documenting the same income that had been submitted in the original package. After a period of time I was told that I had been denied againthis time for too MUCH income. I was flabbergasted and started asking questions, and thats when their agents stopped giving answers. I continued to try and get XXXX to review me for government programs that are available for struggling VA homeowners but instead got the runaround. I was then told by one of your agents that there are no programs for delinquent homeowners with VA loans which I found to be false. 

I am a XXXX XXXX veteran and senior citizen and I do not deserve this treatment by XXXX XXXX. My hardship was temporary and I am back on my feet and able to afford a reasonable mortgage payment. I need the opportunity to be reviewed for all programs so that this situation can be resolved.
TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, XXXX and Transunion, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
I filed a dispute with Equifax concerning a collection account by XXXX XXXX and XXXX XXXX. The same company. At the same time I sent a Certified letter to XXXX XXXX XXXX wanting a " proof of claim ''. I also sent a " cease and desist order '' to them. They did not supply any proof of claim and ignored the demand. During this time XXXX XXXX XXXX AKA XXXX XXXX sent a notice to Equifax saying the collections account was valid. They did not supply ANY PROOF of their claim. Equifax says the collection agency is not required to do so. This is completely ludricrous. That the most dishonest agencies on the planet are allowed to ruin somebody's credit and all Equifax has to say is they report what a collection agency says whether it is correct or not. On XX/XX/2017 my credit score rose by 28 points back to what is was before. But Equifax left the collection agency on my report. After I told Equifax I am disputing the collection agency 's results and told Equifax that I was filing a complaint with the CFPB they immediately lowered my credit score by 28 points the same day. It is completely clear Equifax is Retaliating against me for daring to say they made a mistake and demanding another dispute be filed with the collection agency. Equifax does not have the legal right to retaliate against me for daring to not agree with them and demanding they fix the situation immediately.
The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.
XXXX XXXX decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} XXXX XXXX dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.
my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed this information.
On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. 

This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. 

Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. 

I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. 

I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! 
Thanks for your assistance!
Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help
Portfolio Recovery, (   XXXX   ),   XXXX , calling after  XXXX   XXXX
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX. XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$6800.00}
Hello CFPB : This complaint is against Provident Funding of XXXX XXXX, CA. We had a home mortgage with XXXX but at one point this past fall they sold the loan to Provident. We had the mortgage bill on automatic payment from our checking account ( screen print attached ). The loan transfer was evidently not a change that we initiated and, among many other bills and with a busy family life, it took us a while to change the automatic payment information in our checking account but never missed a payment. When we found out about the transfer we called XXXX  and they assured us that we have some time to make the transition and they will forward the payments to Provident meanwhile. The XX/XX/XXXX-due payment, that still went out to XXXX, was eventually returned to our checking account however and not forwarded. We called Provident right away to say that we're rescheduling it to be sent to them and all so going forward. Their representative acknowledged that, informed us of the actual payment amount going forward ( which was actually smaller than our bill with the prev. lender ), and confirmed that we have until XX/XX/XXXX with the standard 2-week grace period. Against that phone conversation, Provident sent us a dismaying letter of default dated XX/XX/XXXX( no longer having it ), to which we responded on XX/XX/XXXX ( doc file attached ). The non-forwarded XX/XX/XXXXpayment had been re-made as discussed and all further payments have been made on time ( Provident screen print attached ). To add to the harassment, Provident now sends us a late fee charge of {$67.00} ( bill attached ). As a last resort we are asking that you please review the above and deny this charge. We further ask that you consider penalizing this lender 's aggressive practices, for a fair treatment of other customers. Thank you for letting us know.
Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
In XX/XX/XXXX I applied for an auto loan and was rejected by one loan company and given a higher interest by another, which pointed out I have a collection item on my credit so my credit is not excellent and I could not get financing at top tier. I pulled my credit reports and I had a collection account reported by XXXX XXXX XXXX ( XXXX ) for the amount of {$1700.00}. I sent a letter to XXXX on XX/XX/XXXX asking them to verify the debt. I also disputed the collection  with XXXX and XXXX. XXXX confirmed/verified the collection with them so no changes were made by either of the bureaus. Meanwhile, XXXX has failed to send the debt verification as required by law and to seize collection activities. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that they are in process of obtaining the documentation, which I have requested, and that they will forward such as soon as they obtain it. As of today, XX/XX/XXXX, they continue to report the collection to the credit bureaus and they have failed to provide any debt validation proof. As a result of their placed collection without validation I had obtained an auto loan at not best terms as their alleged debt bring my credit enough points to get into second tier financing.
AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. 

I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. 

I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.
On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.
The so called " DYNAMIC RECOVERY SOLUTIONS '' Claims to be a debt collector, and claimed that I owe XXXX XXXX an unpaid amount of {$570.00}. This was a major surprise because I only purchase prepaid services from XXXX. Therefore I called the " Dynamic recovery solution '' and asked them about the statement I got from them. They claimed that the debt was for an unpaid bill dated 2010, and that a XXXX service was connected to an address and the final bill was not paid so the amount accumulated to what it is now. When I asked about the particular address to which XXXX service was connected the response was that they will provide a report in a month time which will show the address. It 's been four months by now and no report have been sent so far. On the phone I explained to them that I did n't have any physical address at all in 2010, and that I only purchase prepaid services from XXXX. After my explanation they asked for police report. But I also took their debt claim to XXXX of the XXXX retailers, and their first response was that that is a hoax. A XXXX representative, XXXX XXXX, found out that the account that the debt collector claimed to be mine did not even exist. Therefore, given the facts about this case and the debt collectors persistence to pursue this debt it should be clear that the debt collector is a scam and no more than that. Please take legal action against them to put them out of business for good because when I XXXX their name there were many other people that identified them with a scam. Thank you for your time.
I have tried to contact Experian, to dispute an account, in which ; the statutes of limitations have already expired. Experian has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!
I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!
I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!
A criminal entity posing as " XXXX '' made inquiry to my TransUnion credit file on XX/XX/XXXX and was given access to my full report. Within the next 30 days, my identity was stolen. I confirmed the fraudulent nature of the fake " XXXX '' credit inquiry with the actual National Coordinator of " XXXX '' on XX/XX/XXXX. On XX/XX/XXXX, I sent a Certified Letter to TransUnion informing them of the Fraudulent Inquiry and provided them with relevant details of the fraud. I also alerted TransUnion to the fact that continuing to provide Subscriber Services and Access to the Fraudulent " XXXX '' entity was putting unknown hundreds, or perhaps thousands, of people at risk of Identity Theft. Finally, I requested TransUnion contact me to discuss the fraudulent inquiry made to my credit file and to receive information from TransUnion regarding the contact information and transaction history with the Fraudulent " XXXX '' entity. 

On XX/XX/XXXX I received a response from TransUnion that was totally unresponsive to the information I had provided or the specific nature of my request ; their reply says only that " the information you disputed does not currently appear on your TransUnion Credit Report ''. I had hoped to receive a response that acknowledges the Breach of Security and unauthorized access to their files so that I could help law enforcement catch the criminal and to prevent others from having their Identities stolen. 

TransUnion 's response is appalling in its arrogance - they did not even respond to my specific request - and is an unacceptable reply in that it shows complete and total disregard for the security of the credit files that is central to their business.
We initiated a transfer of funds from our Capital One 360 account ( formerly ING XXXX Checking ) to our Capital One checking account. There was an error during the online transfer, per the website. The money came out of the 360 account, but never made it over to the Capital One checking, i.e. now it is nowhere ( except in the Capital One Bank account for lending, of course ). The transfer was initiated on Thursday, XXXX XXXX. We have called the bank XXXX times through today, XXXX XXXX and still no resolution. We still have no access to our money, and the bank continues to tell us it will be fixed. 

Also today, Capital One Bank initiated another transfer of funds from our 360 account TO the Capital One Checking, they say in an attempt to fix the original problem. This transfer also did not hit the Capital One account and is now nowhere. This was NOT a correction since it was the wrong way, they took MORE money from the 360 account, not a reversal of the original. We did NOT give the bank permission to take this money from our account and now it is also gone. 

We consider this a matter of theft on the part of the bank, and fully expect a criminal investigation. We were told on Friday, during our XXXX call to the bank the the problem was wide-spread for all transfer on Thursday. This should be considered a class action suit along with the criminal suit and I encourage everyone involved to pursuit as we are.