WillisBack/dataset-financial-user-claim huggingface dataset:
I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.
XXXX is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX XXXX XXXX -- - # XXXX XXXX XXXX  -- - # XXXX XXXX/XXXX XXXX -- - # XXXX
I was checking my credit report and I noticed that I have an item on there from AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am not aware of what this debt is related to but I have researched the company to see whom there are associated with. They have placed a debt/item on my Credit reports in the amount of {$4000.00} for a debt in which I do not own.
I noticed recently on a credit report included with my apartment application that in XXXX 2017, there was a hard inquiry for an auto loan by CHASE. I called chase and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update XXXX because they said that since there were no records on file, I would have to call XXXX  directly. On XX/XX/XXXX, I called XXXX to dispute this, and they refused to dispute it or to investigate or to call Chase. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call Chase again. After this long argument about how he could not and would not investigate, I called chase auto back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that chase takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.
I have filed a written request, more than a year ago with Ditech Financial Mortgage to not contact me, only by mail. No phone, text, fax, etc. For the last week I keep getting daily phone calls from XXXX XXXX from Ditech, and to call back this number XXXX ext XXXX. I refuse to call back, I do n't like this.
Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
XXXX
My mortgage loan is currently serviced by Nation Star and the regular monthly payments were {$1000.00} per month. Nation Star offered a trial loan modification where the payments were increased to {$1300.00} per month ~ see attached. Nation Star has refused to record this modification, claiming they need {$1100.00} to complete the process. The loan modification agreement is demanding {$930.00} per month in monthly escrow payments. The escrow account grossly distorted since my taxes are {$5200.00} per year and insurance is {$800.00} per year. My escrow charges should be {$500.00} per month and total payments should be {$930.00}. Nation Star claims the escrow account is deficient, which is impossible because all the past due escrow has been recapitalized in to the modification agreement. All of the figures listed on the " AFFIDAVIT UNDER SECTION XXXX OF NEW YORK STATE LAW '' do not add up. There is a demand for new money ( {$54000.00} ) and a demand for a total balance due ( {$110000.00} ). I have requested a complete breakdown of the alleged total balance due and Nation Star has refused to furnish it. Nation Star is also pushing a 480 month amortization schedule, which is predatory and unnecessary. I originally borrowed {$66000.00} in 2004 and never refinanced my property. Therefore, there is no way my balance could be {$110000.00}. Nation Star is clearly distorting the escrow account and balance due to the extra equity in the property. I feel cheated and deceived by Nation Star, therefore I am seeking your assistance on this matter
I have a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.
Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.
I filed a dispute against XXXX XXXX on XX/XX/2019. This was my 2nd filing of the same problem XXXX has alleged that I was late with a payment of {$52.00} for XX/XX/2019. I was not late with this payment and i have spoken with this company and they are refusing to corect their mistake. My bank paid them on XX/XX/2019. My payment is dueon the XXXX of each month. I won't tis corrected because it is having an affect on my score. Please hlp me.
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
Equifax shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.
This is in regards to the Equifax breach. I was told that I may have been infected by the breach so I called the hotline and they told me to sign up for the monitoring of my accounts. My complaint is that it is for only one year and I feel this is not long enough because a thief would wait for the year and then try to use my data. This is like a money maker for equifax because if anyone wants the protection will have to pay for something that Equifax let happen.
My agent submitted the short sale package and it was deemed complete, however we can not get them to order the XXXX. My agent has called repeatedly, the servicer which is SLS has continued to blame the problem on XXXX XXXX. We have called XXXX XXXX, and this is a lie. XXXX  has received NO request for XXXX.
On XX/XX/XXXX an automated payment was made to my credit card company Capital One, for the minimum amount due of {$48.00}. Every month a minimum payment is made to that account. On XX/XX/XXXX I realized there was a problem. My credit card had a balance of {$17.00} and I realized Capital One took money from my bank account to cover the total balance of {$2800.00}. I called Capital One on XX/XX/XXXX and the first representative said it was too late and to file a dispute with my bank. My bank advised that nothing could be done as Capital One already took the money. Then we called again on XX/XX/XXXX, this time a supervisor said the automated system confirms amounts and that nothing could be done. Our concern is that the automated system is not correct. Our history shows our credibility and every month we carefully listen to the automated system. At this point, we need proof of what transpired on the automated call because the money that was taken is money we use for our rent. This has caused a great hardship. There must be a way to check the record of the transaction to see exactly what transpired. No system is perfect and our contention is that an error occurred.
I was in XXXX, Mi today, XXXX/XXXX/XXXX. I usually use a branch located in XXXX XXXX, Mi. I needed to withdraw {$500.00}, from an available balance of {$640.00}. I attempted to withdraw through the drive-through around XXXX at Key Bank- located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. After submitting my valid id and withdraw slip I waited 15 minutes to have the teller tell me I could not withdraw as the money was on hold. She said I could come into the branch and resolve this. At this point I had to wake up my XXXX XXXX XXXX and bring him inside with me to withdraw my money. I pulled up my online banking which clearly shows my total available balance. the tellers kept saying they could not see where my {$500.00} deposit originated. It came from my mother on XXXX, not that that is any of their business. It had cleared and always has instantly. I was told it had not " hard cleared ''. They could not explain why I could use my debit card, or withdraw from an atm but could not walk into a branch with valid ID and withdraw My available funds. I was being racially profiled and discriminated against in a suburban area. My finance withdrew {$330.00} from a branch in an urban area hours later with no problem. I called key customer service and filed a formal complaint. I asked about their policies and asked if the status of the funds had changed at all since I was inside of that bench. I was informed that the amount had been available I was denied access to My available funds. The customer service agent apologized and agreed that the funds should have been allowed with valid ID. I was told that was wrong and that someone would call and or email me. But no resolution came about. I took everyones names and am filing a complaint here because my civil rights have been violated. I am contacting a lawyer to pursue a lawsuit and dismantle illegal racial discrimination.
on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
I have made multiple requests of validation for an account with XXXX XXXX   collecting on behalf of XXXX XXXX that currently appears on my credit report. XXXX XXXX has been unable to provide validation that meets federal requirements. Despite their inability to provide proper validation TransUnion has decided to continue reporting this information on my credit report. I received a notice from XXXX XXXX XXXX  on XX/XX/2018 stating they now own the debt, further making the entry from XXXX XXXX invalid. I have requested validation from XXXX XXXX XXXX  and am optimistic I will receive the needed information to determine the validity of the debt they seek to collect. Since XXXX XXXX no longer owns this debt and the current owner has yet to validate the information, I respectfully request that you remove this entry immediately.
After 6 plus months of trying to get my account fixed with Nationstar Mortgage and making complaints with you CFPB, this is still not taken care of. No one at Nationstar can do their job. I attached my last email with documents from XXXX XXXX. 2016 and still no response. This company has shown fraud and thief. I would love to leave this company but I can not refinance. Please review the unlawful practices of this company. 
Thank you, XXXX XXXX XXXX
My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Bank Of America my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank.
the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP XXXX XXXX XXXX XXXX
I want to report an incorrect transaction done at the local branch o f Third Federal on      XX/XX/XXXX . My I R A  CD  has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said  and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld.   <P/> Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR  S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
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In the past, I 've done a few rollovers, and never a problem up until now.
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I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
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Thank you.
I had written this for http : //oag.ca.govXXXX but their capcha only works with IE so I 'll paste it here. It 's about coinbase.com I 've had an account there a little over a year, using it as a bitcoin wallet with mostly no problem. In XXXX 2017 I had 2 transactions where they never actually sent the bitcoin even though their web page indicated everything was completed. I chat with this person regularly and she did n't get her bitcoin, but then she 's also a coinbase customer. I filed a case, waited the specified minimum amount of time. Started looking in their forums and other people were complaining too. So I went to the better business bureau and there were 193 complaints against them. Now I 'm looking into joining a class action lawsuit if I can find one. The dollar amount was only {$80.00} but I 'm retired on Social Security, it 's a significant amount of money to me. The transactions were on X/XX/2017 and X/XX/2017 When I tried to send {$31.00} and it did n't work, I sent {$1.00}, that worked, so I sent {$29.00} which also worked. About a week later I tried to send {$50.00} and it did n't. In my attachment I circled in red the ones that did n't work and in green the ones that did. I do n't have any transaction numbers, etc. for them.
NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX
My name is XXXX XXXX and I gave " FORMAL NOTICE '' to Wells Fargo that my property XXXX XXXX XXXX XXXX XXXX CA XXXX was under a Bankruptcy Petition filing with the Federal Bankruptcy Court of which I was fully aware that Wells Fargo 's trustee office was in receipt of my Bankruptcy filing. They violated the Federal Bankruptcy law by auctioning my home on XXXX XXXX when the Bankruptcy was filed on XXXX XXXX. I immediately call Wells Fargo and explained the unlawful action, they proceeded to open a full review and was send to recovery group and assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ext XXXX I have been leaving messages requesting an update of the reversal on my home I have not gotten any answer it goes straight to voice mail this has been going on for almost a month they are playing games with the home owners. I strongly believe they have committed a crime, with this fraud committed they do n't have any rights to my propertyI want to file complaint against Wells Fargo for the deceitful, dishonest, lies and corrupt, fraudulent actions against home owners and for violating the Federal Law through-a-series-of-regulationsIn addition I perform a full review of the petitions and discovered that Wells Fargo failed to postpone my sale date on XXXX XXXX. I am very sure, Wells Fargo law firm is fully aware of California Bankruptcy laws and the automatic stay under XXXX XXXX XXXX. 
The Federal Bankruptcy Code contains a specific legal action against anyone who causes injury to an individual by a willful violation of the automatic stay ( 11 U.S.C. 362 ). The automatic stay is a court order that is immediately imposed when petitioner files a bankruptcy petition, whereby it prohibits anyone from trying to obtain the property. If someone violates the stay, bankruptcy code provides for actual damages, costs and attorney 's fees as well as punitive damages, if appropriate ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ). 
I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
Thank You Sincerely XXXX XXXX
I have significant concerns about the XXXX and Bank of Americas new policies regarding transactions related to firearms. I have accounts with both banks, and am inclined to cancel them. I am especially concerned with increased scrutiny on law-abiding businesses in the constitutionally protected firearms trade. 

My transactions have apparently been reported in some way, and it is affecting my health care licensure and professional position. My employer has asked for explanations of specific transactions that had to have been reported by either XXXX or BoA. 

It feels like yesterday when XXXX and BoA received nearly a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. This was the single largest government bailout in American history. 

I am tired of law abiding citizens being targeted for the actions of criminals. I hope that you will use your influence to put a stop to it. 

This particular instance seems illegal on its face.
I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX  and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX