WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I have been trying to save my home and to get approved for loan modification since XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. 

I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification.

After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and now state that they will not even look at a modification application. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
I have repeatedly disputed these inquiries with Experian, I set my dispute certified mail. Experian did n't respond within the 30 days which is a violation of the FCRA XXXX XXXX. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offers b ) insurance c ) employment or d ) a court order. 

I did n't authorize any of these inquiries. I sent dispute letters to Experian and dispute letters to the furnisher and they never sent me a copy of my signature or a contract, these inquiries are still not deleted from my credit report. These inquiries are affecting my credit score. I attached a copy of the companies that pulled my credit, whom I did not give permission to do so. Please remove these inquiries from my credit report immediately.
I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.
I have consolidated federal and private student loans totaling approximately 125,000. Every month I send a payment via Navient website. The company recently changed its website which makes it impossible to choose the amount to pay. The " payment due '' window reflects past due, fees, and currently due amounts. Since I was unable to choose to just pay the past due amounts as the currently due amount was n't actually due yet, I set up payment through my bank 's online bill payment feature and made a payment on XXXX XXXX 2017. Navient received payment two days later on XXXX XXXX 2017. Instead of allocating the appropriate amounts to both private and federal loans, as they have done literally for the past ten years on this account, they allocated the entire payment to my federal loans. I called customer service immediately and have been bounced around to various agents who assure me that this is " a back end issue '' and that a request has been sent to re distribute the payment to the two accounts. I have been charged late fees on both accounts for non payment. It has been one week and nothing has happened. The payment is not visible online at all and I am getting delinquent letters via email and threats that this will be reported. I have been unsuccessful in my attempts to rectify this issue.
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.
I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in 2014.  Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XXXX of 2014. It shows on the document from XXXX that the last date of payment is XXXX of 2014. I  sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
On XX/XX/2018 and today XX/XX/2018 I attempted to sign up to freeze credit report on the Equifax website -- under the new law that states credit file freeze is free as XX/XX/XXXX, XXXX. Each time I attempted to complete the form. I received various error messages : We are temporary unable to complete this request. 
We will send you an email varification to complete the request. 
Oops this looks like it taking longer than expected I tried completing the application online a dozen times yesterday and four times this morning. I finally gave up and called the toll-free number XXXX. XXXX the gentleman who answered the phone said he would take my information and do it over the phone.I had a difficult time understanding him so I asked where he was located assuming Georgia. He said he's in the XXXX. As a rule I never give personal information XXXX XXXX etc over the telephone. I particularly do not want to provide this information considering the Recent Equifax data breach problems. 

XXXX  and XXXX  websites were very easy to use and I completed the forms to freeze my credit report in less than 5 minutes and received immediate confirmation that my security freeze was successfully added and a freeze is not in place. 
Please look into why Equifax is making it so difficult to complete a security. Thanks so very much
In the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.
To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.
taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights
I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.
On XX/XX/XXXX, JP Morgan Chase received my pay off amount of {$19000.00} for the lease buy out ( lease XXXX ) of my XX/XX/XXXX XXXX XXXX XXXX XXXX VIN XXXX As of today XX/XX/XXXX, I have yet to receive this title. I have called Chase numerous times and they always tell me they either don't know where it is or that I should get it soon. 

This is unacceptable service.
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I opened an account with Navient/Department Of Education to fund my college education. The account is still open and currently in good standing. However, I was charged with 4 missed payments on each of my accounts with Navient/Department Of Education but I never received a notification of the bill. At that time my family and I were foreclosed on our home and we were forced to relocate which could have prevented me from receiving any notice from Navient. I would like to address this as soon as possible and get the negative remarks removed from my credit report.
I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother XXXX a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter.
On  XXXX / XXXX /2017 I received a letter in the mail from WELLS FARGO BANK, NA for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from Wells Fargo Bank, N.A.   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!
I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.
I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.
Equifax keeps disputing my XXXX account for no reason at all. 
They are intentionally disputing this account without my permission. 
I want Equifax to STOP disputing my XXXX card account and notify XXXX of the error they are making. This is the third time Equifax has disputed my account for NO REASON AT ALL.
At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back.
Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
I have  a Visa cr edit card with  XXXX   XXXX  that I opened about a year ago. It is a secured card and my initial credit limit was {$300.00} which I sent to  XXXX    XXXX   in the mail. I wired {$700.00} in additional funds in  XXXX   2017  to increase the credit limit on the secured card to {$1000.00}.   XXXX   and Equifax have not reflected the correct credit limit ever since it was increased in  XXXX   2017 . I have opened multiple disputes to no avail. I was told by Equifax and   XXXX   that I needed to contact  XXXX   XXXX . I have called  XXXX    XXXX   three times in the past 3 months and they keep telling me that they are reporting it correctly and it is the credit bureaus error. Neither the credit bureaus nor  XXXX   XXXX  want to take any ownership to correct the issue. I am working diligently to improve my credit which is the main reason for increasing my credit limit on this secured card.
Harley Davidson Financial Services.

I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.
This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
Equifax was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I was impacted.
I didnt give bank the permission option in XXXX XXXX XXXX XXXX. My account is being hit with this fees every day and putting my account way over limits that I cant pay and I have bills myself to pay!!!! 
I have a direct deposit and if dont hit my account before bank does I dont have any money.
On XX/XX/2018 I mailed a certified letter to Wells Fargo dealer services requesting all the documents containing to the debt I owe them as of XX/XX/2018 I have yet to receive any documentation which is a violation of the Fair Credit Act I called and called tell haven't gotten anything.