WillisBack/dataset-financial-user-claim huggingface dataset:
We closed on our mortgage loan on XXXX/XXXX/XXXX. We have an FHA XXXX loan with Vanguard Funding LLC. We have been paying our mortgage and property taxes every month on time to Vanguard. We began having issues with Vanguard very soon after closing with emails and phone calls going unanswered. Then we received notice that our property tax payments had not been submitted to XXXX XXXX since closing, and that Vanguard had never attempted to make contact with XXXX XXXX to establish an account for our property. We have since had to pay property taxes to XXXX XXXX out of pocket, in addition to what we already paid Vanguard for the same tax periods. The payments made were approximately {$8000.00} in addition to interest that accrued due to Vanguard never paying the taxes. 

We also had renovations done to our home under our XXXX loan. 50 % was disbursed to us at closing and the remaining 50 % was to be disbursed after completion of the agreed upon work. After the 1st contractor completed his work, we were trying to get Vanguard to send us the final draw request for several months. Since then the 2nd contractor has completed his work. We now have contractors asking for money owed to them for services rendered, but Vanguard was not responding to our draw requests so we have had to pay contractors out of pocket as well. The payments made were approximately {$10000.00} which was to come from the remaining 50 % of the XXXX loan. 

We stopped receiving mortgage statements after XXXX XXXX and our XXXX XXXX mortgage check was returned due to the address not being found and no forwarding address left. We then learned ( by XXXX search ) that Vanguard executives are being indicted for fraud by the XXXX XXXX XXXX XXXX NY and Vanguard is no longer operating. 

We have filed a complaint with the NY XXXX XXXXXXXX XXXX XXXX and NJ XXXX XXXX XXXX. The latter agency referred us to your office. 

I have attached documentation of mortgage statements, emails and letters. Thank you for your help.
In XX/XX/2003 XXXX offered my ex husband and i a joint loan. We signed it. Nelnet nor the florida department of education nor XXXX XXXX  will split the loan in half as the divorce states we pay each half. I am at the whim of the borrower, my ex husband, who for 4 years hasnt wanted to pay the loan. Nelnet stated to consolidate it. its not a true consolidation ... ..i will still remain at the whim of my ex husband. Lawyers cant help me either. Lawyers have never heard of this type of arranged loan. The lenders dont make these loans anymore either. Our credit is terrible and we cant get private loans at this time to seperate it. We cant pay to the principle either ... even though they tell u on the telephone u can. Its all lies.
Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, XXXX, and Transunion credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
In XXXX, 2012 we sold our home in XXXX Ga. and Ocwen Financial corp. was the mortgage holder. We had a XXXX and XXXX mortgage with Qcwen. At closing, XXXX our notes were paid in full. Today, 4 years later we later, we find out that they are still showing an unpaid balance of {$97000.00} and {$12000.00} on our credit report.
Equifax shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/EQUIFAX/TRANSUNION XXXX : XXXX BANK XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or "  suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
We are having communication problems with BB & T Mortgage, we were hoping you could intervene and get them to help us get our mortgage back on track. We have tried to work with their representatives to obtain a modification on our loan, but they have not responded to our petition. They set us up on a forbearance plan, which we complied to the last payment of the agreement, in the intent for BB & T set us up on a loan modification plan. 
They are either purposely trying to take our home away or have a very dysfunctional process. Either way, we would like for you to look into what they are doing so we can get our loan payments back on track and keep our home. We have had some financial challenges, due to unemployment and delicate surgery. This is what caused for us to fall behind the loss of income, and the recovery time of my surgery. 
The good news is we are all back on our feet.. Our financial problems were due to inconsistent income and some unfortunate events as described above. We were forced to temporary discontinue making our mortgage payments. Without our income we fell into a financial chasm, but we tried to keep up with the mortgage payments for as long as we could. Ultimately we fell behind on our payments, what we want is to resume making our mortgage payments. Every other creditor that we contacted was very understanding and worked with me through our temporary financial and health crises, but BB & T Mortgage is refusing to come to the table with any tangible solution for assistance. During all of this we have tried and complied with BB & T Mortgage to get some help with our mortgage, buy agreeing with the forbearance plan but they wo n't listen and have denied me access to government homeowner assistance programs. No matter how many times we have contacted them, it has been a futile effort. We have not had a single point of contact nor have they offered any sort of assistance or repayment plan to get our payments on track. They insist that we pay our entire past due amount, but this is impossible and we are left with no options because they will not work with me. We have been given the runaround by them and just feel they are acting as judge, jury and executioner regarding our options without fairly reviewing our financial circumstances. If we truly can not afford our home, then we will move, but we believe that our loan fits squarely within government guidelines. We are hoping you could reach out to them on our behalf so we can save our home from an impending foreclosure sale. 
What we want : We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. 
SincerelyXXXX XXXX
I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
I have been a customer with XXXX  since 2014 and use the service regularly. I recently bought a new phone and needed to re-verify my identity with the XXXX  app. The email address I originally used to set up the account is no longer active. XXXX is requiring US government issued identification, which I do not have as I am a XXXX citizen in the process of applying for a green card which has been applied for and is pending. I am currently and have always been a legal resident during my time in the US. 

Because of this alleged policy, they are unable to offer any way to verify my identity and as a result I am locked out of my account. I recently attempted to make a payment of {$2000.00} and am unable to confirm the status of that payment, or determine if XXXX  has any other funds belonging to me. I have offered to provide passport, immigration processing papers, and to visit one of there offices. 

Their customer service representative was unwilling to offer any solutions and in effect said that I would not be able to access my account or any funds therein. XXXX has explained they will be keeping my money, potentially thousands of dollars until I can produce US ID which is being processed and I have no way to know when it will be completed. There is no clear mention of this policy and I was never required to provide US identification to sign up for the service. After multiple requests for escalation, the customer service representative hung up on me.
I have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Hello I am having trouble with the Bureaus removing hard unauthorized inquires. I just submitted a complaint against XXXX. now its Transunion. these 7 inquiries are causing me problems getting approved for Credit. it is very stressful. along with my health issues,. please, see if you can resolve this matter. thanks.
My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.
I had sold my home and paid off the remaining balance on my mortgage. I am due {$640.00} for my escrow refund, it has been over two months and I have not received anything. I have contacted BBVA Compass to inform them and they claimed the check was sent, but again, it was never received. I requested for them to cancel the check and send a new one. They asked for me to fill out a cancelation form and return it before they would send another check. I did as they asked and it has been over two weeks, but I still have not received anything. When I call and ask for an updated on the status of my return, they simply transfer me back and fourth to different departments and never give me any actual answers. I requested to speak with a manager but they told me that there was not any available. I do not know how to proceed from here.
I applied for this product online and this is what I agreed to. XXXX XXXX XXXX # XXXX There is no annual fee and there is supposed to be a spend promo at {$500.00}. I contacted capital one on XX/XX/XXXX regarding fee and they stated its a part of the terms of the account and I was provided an address to send a letter. I also mentioned the fee of {$39.00} in comparison to a credit limit of {$300.00} seemed excessive and was told its a part of the terms of the account. 

Then on XX/XX/XXXX I contacted them to see how far away I was from the spend promo of {$500.00} and was told this did not apply to my account. As you see from this link this card should not have an annual fee. I applied online but had to call in to approve the application and did not request any changes. Their customer service is of little help and they are XXXX bent on saying I approved this fee when i did n't and this offer does n't apply and no other explanation. 

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX phone XXXX last 4 of ssn is XXXX
I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings. 

The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. 

Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.
On or around XXXX XXXXh, 2017, I attempted to transfer approximately XXXX BTC from Coinbase's "Vault" to the "Wallet" feature inside of my personal Coinbase BTC account. However, when attempting to do so, I get the error message, "Withdrawal Already In Progress On Vault". [Case number: #XXXX]

Normally, the account should send two emails to two separate email accounts listed in my Coinbase account. Then I'm required to confirm the transaction via these emails. I have not received any emails regarding this transaction. 

Ironically, when I made the same attempt to transfer ETH from my ETH Vault to the ETH Wallet, the system worked as expected. I was able to withdraw my funds without any issues. 

I've emailed and called Coinbase's customer support. I have waited patiently for a solution to allow me access to my funds. I've only been told that tech support will " ...get to it when they can". It's been over two weeks and I still haven't heard anything back from them. I believe enough time has passed for this issue to be resolved. 

Unfortunately, a brief XXXX search will show that I am not the only customer to experience this.

What I want them to do is to put ALL of my funds into my BTC >Wallet< so that I can successfully transfer it OUT of my Coinbase account.
My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.
i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.
Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt
On XX/XX/2016, we locked in a rate of 3.375 % and a lender credit of {$1100.00} from Wells Fargo. They said there should be " no problem closing on time. '' On XX/XX/XXXX, we were told that the person in charge of our case at the bank believed the appraisal had been performed. We did not get a copy of the appraisal until XX/XX/XXXX, close to our closing deadline. The appraisal was low and of the WRONG HOUSE. Our closing date was supposed to be XX/XX/XXXX, but Wells Fargo caused us to miss it by repeatedly requesting and losing the same information and documents and appraising the WRONG HOUSE. 

They also lowered the amount of the loan from {$510000.00} to {$470000.00} because of the erroneous appraisal, and informed us that once an appraisal challenge was lodged, all of our locked-in terms were null and void. The seller had a back-up offer and would not wait, so we had to borrow the difference from a relative and close. They bumped the interest rate to 3.5 % and withdrew the lender credit of {$1100.00}, even though we had opened an account at a Wells Fargo Bank for direct withdrawals as they required. 

We closed on XX/XX/2016 under the new terms rather than lose the house. 

Wells Fargo then began a review of the case at our request. Again, they asked us to send endless duplicated documents and kept assuring us that we would be given a fair decision. After months and months of this, they decided to do nothing to remedy the problem. 

We have suffered financial losses and frustration. I have to believe this is a pattern with Wells Fargo to promise the world and then make sure customers lose on technicalities of the bank 's creation.
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
On XX/XX/2018 I sent a letter To TransUnion Credit Bureau as well as several times before asking for specific information such as names of persons and exact details on how a bankruptcy is being verified, According to FCRA I have the right to this information However I received letters back that says its being verified through the court. So I reached out to the court that supposedly verified the bankruptcy to obtain in writing as to how they verified the bankruptcy or if they report to any of the credit bureaus. They responded in writing that they DO NOT report anything to credit bureaus. And that its probably being gathered through the XXXX system. So I reached out to XXXX as well and they also DONT contact credit reporting agencies. Im well aware of the FCRA Laws and know that this is a violation of rights. XXXX   and XXXX  has already removed the bankruptcy from my credit file because they were also in violation I would like for TransUnion to follow suit.. I have sent the letter that I received from the court to TransUnion and they still refuse to remove the bankruptcy.
XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge