WillisBack/dataset-financial-user-claim huggingface dataset:
My spouse and I have been struggling with our mortgage and XXXX offered us a plan to get caught up. We agreed to make payments for 6 months to get caught up - 'good faith payments ' they were called and after the 6 months of payments ... we would be evaluated for a modification. Or so they said. 4 months in, we made all 4 payments on time and had two more to go, our mortgage was sold to Caliber Home Loans. We did receive a letter stating that the mortgage was sold. Since we were on a payment arrangement with XXXX, we called Caliber to make sure the payments were still going to be deducted automatically from our account and to make sure they had our account information. However, when we called my spouse spoke with someone named XXXX and XXXX stated our home was going into foreclosure in 7 days if we did not pay the {$7800.00} that we were behind with on our mortgage upfront. If we had the {$7800.00}, we would not have been on a repayment plan. My spouse tried explaining this and he was told that if we did not have it in writing from XXXX, that arrangement could not be proved as valid. So then I stepped in and called Caliber and spoke with someone and I was told the same thing, we needed the agreement in writing and to fax it over if we could in order for us to continue with the original XXXX repayment plan. I tried explaining that every month we would get a 'notice of right to cure default ' and the notice states that " If you have made arrangements to cure the delinquency of your mortgage and the agreement is kept, you may disregard this notice. '' We called XXXX the first couple of times we received this letter and they assured us that the payment was made and all was fine. Caliber Homes ( new mortgage company ) stated that did not count. So we call XXXX to inquire about receiving a record of the agreement ... my bank account reflects 4 payments automatically deducted as agreed by the way, but XXXX tells us they no longer have any trace of our records because the mortgage has been sold. At this point, I am ready to call a lawyer but my spouse calls Caliber homes one last time and speaks with someone named XXXX, extension XXXX, and XXXX states that XXXX ( original rep from Caliber homes we spoke to first ) was wrong and literally states verbatim that XXXX does not know what she is doing and XXXX is wrong. We are still on the original agreement schedule with XXXX called a 'step to modification ' according to XXXX . We are supposed to adhere to the XXXX agreement and then discuss a modification according to XXXX. Okay, a big sigh of relief right before XXXX. However, later that same day - XXXX from Caliber Homes calls my spouse on his cell phone and states that XXXX is incorrect. My spouse disagrees and states he does not want to deal with XXXX anymore and would like to continue with XXXX because XXXX seems to know what she is talking about and apparently XXXX had our records from XXXX and was quoting verbatim our initial and original payment agreement that we had with XXXX. XXXX stated that 'nope ', XXXX was wrong and our foreclosure was imminent. What in tarnation is going on here.
My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.
A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.
XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO  USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Continuation of Case number : XXXX - I tried to respond in my case, but there was no place to do so, first this has absolutely nothing to do with a foreclosure, my credit score is a XXXX, I have never missed a payment and am looking at purchasing a new house and as I stated only clicked on the link in the email to see the current rates. So please do not send me links about if I am in foreclosure or in debt, I am in neither! I received a letter yesterday from CHASE - the people who have been calling and the link I clicked on stating that they received a request from my on XXXX XXXX, 2017 and expect to have an answer or status update for my by XXXX XXXX. I did not make any request or submit any information, I closed out of the link before submitting anything to them, I certainly did not give them my SS # or request that they process a loan application for me. Their Mortgage Banking Executive Office # is XXXX ; I want this reported and handled ; this is a complete misuse of their power and I have been completely violated, they have no authorization to run anything of mine, let alone call me 14 times a day. 
XXXX XXXX
I have medical bills showing on my credit report that do not belong to me. I have notified Equifax, XXXX and XXXX on several different occasions. They show XXXX accounts with XXXX ( XXXX ) & ( XXXX ) as well as XXXX ( XXXX ) and XXXX medical bills that do n't even list a creditor so I have no way of contacting them. I do n't have any negative credit so these erroneous accounts are having a huge impact on my credit. I am unable to establish credit because of these accounts that do not belong to me. I have reached out to the creditors for them to provide me with any proof that this is my debt and they just ignore me. Please help me resolve this issue. My address is also being misreported. they have an address in XXXX GA that I have never lived at and my current address that I have been at for years does n't show up at all. I have sent several letters to all XXXX credit bureaus and they ignore me. I ca n't apply for credit because of it and it causes problems when applying for jobs or insurance because my address does n't match.
The company is a mortgage dept collector. They are saying I am behind on a payment. I am NOT. They call my home constantly. I have asked about the month they are requesting. They give me different dates all of which I can prove from my bank that the payment came out and they received the funds without any difficulty. They have tried to to foreclose on my home. I got a lawyer who stopped the foreclosure and said I should have never gotten the foreclosure papers. They are adding the fees to my payments. My loan modification was done by a lawyer and approved by the courts. This company that the loan was handed down to seems to not want to comply with my loan or is trying to collect more than is required.
Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied! 
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years. 
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish. 
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH! 
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away! 

I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}. 
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate. 
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional. 
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello! 


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I opened an account on XX/XX/XXXX. On XX/XX/XXXX, I was sent a letter stating my account would be frozen on XX/XX/XXXX. I did not even receive this letter until XX/XX/XXXX ( last letter in XXXX XXXX Delivery XXXX XXXX ), after the account was frozen. I went to a branch that weekend to provide documentation and was told the following week that it was illegible and to come again & again. I have submitted the requested license and passport at least 4 times by XX/XX/XXXX, the date Chase states they will close the account. 

I have multiple accounts with JPMorgan, mortgage, personal checking/savings, investment, and credit cards and which can be cross-referenced to verify my new business checking.
Requested a payoff quote by fax and certified mail over 30 days ago. Will not provide.
I applied for a new mortgage with JG Wentworth on XX/XX/18. 
XXXX XXXX NMLS # XXXX My closing date was supposed to be XX/XX/18 more than 60 days from the origination date. 
The company used the wrong loan type ( refi vs. new ) to gather information about title processing fees which put my loan outside of the acceptable range so my final loan approval which has been in process for many weeks has been delayed by an additional 3 days. 
I am selling a property as well as purchasing so coordinating services, utilities, movers, walk through, etc must all be changed now. 
My moving company is charging me {$500.00} per day to hold my belongings an additional two nights. 
I have no where to live for two days. 
I have to reschedule multiple services and several people who were coming to help must also change their plans. 
I am fully aware that things can go wrong when mortgage originators are involved but it has been established that JG Wentworth caused this problem because they mostly handle re-fis not original mortgages. They didnt disclose that to me when they sought my business. 
As this unfolded, XXXX boss XXXX called me and chastised me for my attorney speaking harshly to XXXX. He told me he has call recordings of the conversation. How I am responsible for something my attorney said is beyond me. 
The final result is that XXXX agreed to eat the {$300.00} mistake that XXXX made but that doesnt remedy the additional {$1000.00} that I will have to pay for the movers to hold my belongings for two more days nor the extreme complications this causes multiple parties. 
XXXX tried to pressure me into using their title company because he said the one the seller chose was too expensive. I refused to do that. That alone seems unethical if not illegal. 
They also tried to increase the mortgage rate by a quarter percent due to their error but my attorney was able to stop that from happening once they admitted it was their fault.
A credit card was mailed to an address in XXXX - I live in XXXX and was never contacted about a new card bring issues Fraud happened about XX/XX/XXXX and now totals over {$7000.00}
According to the Fair Credit Reporting Act, you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? I want names and addresses for each person who verified the account and the method in which it was verified. 
You informed me over the phone all records of verification have been shredded. You have NOT provided me a copy of ANY certified original documentation ( a consumer contract with my signature on it ) as required under Federal Law or any proof of your verification other the a letter stating an account was verified. A contract is an agreement between two or more parties creating obligations that are enforceable or otherwise recognizable at law. Show me a signed contract with Innovis. Show me a signed contract with each creditor proving I have given them permission to report to Innovis. Furthermore, you have failed to provide the method of verification as an Original Wet Note signature. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
My mortgage is with XXXX and Selene Finance was the processor for my modification. I was approved XX/XX/XXXX, and trial payment were to be completed from XX/XX/XXXX - XX/XX/XXXX. Once completed, my modification documents were never sent back to XXXX for finalization. As of XXXX, Selene Finance is no longer a XXXX party vendor for XXXX and due to the servicing transfer, they were to send my complete file with financials to XXXX so that my HAMP modification can be completed. This was supposed to take place XX/XX/XXXX and it is now XX/XX/XXXX and Selene Finance is not responding. I need for my modification documents to be sent to XXXX so that my modification can be completed.
I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.
Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a XXXX percent interest is still shown. The expiration date for another XXXX interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
I had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.
On or around  XXXX  2017  a fraudulent credit card application was submitted using my social security number.  <P/> After receiving a letter from  XXXX   XXXX  confirming the fraudulent activity. I contacted the  XXXX  credit reporting agencies for copies of my credit report for review of any other unusual in formation on my report. I received copies from  XXXX  of the  XXXX  bureaus   XXXX   and  XXXX .  <P/> AS of this date  XXXX -2017 Equifax have not responded back. I forwarded a written letter as well as a confirmation letter of the fraudulent activity to Equifax and has still not had a response.
I was taken to the hospital while on duty with the Indiana  XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Dear Sir, Ditech is my 2nd mortgage company. I was XXXX for 8 months. I applied for hardship loan modification, sent in all the paperwork. When I started working in XXXX I called to let them know. they requested paperwork for modification. They kept losing my paperwork and assigning different relationship managers. I followed up constantly. This went on for several months. Today, I called and they said my modification was denied because Im working and make enough money to support my monthly payment. they now want me to pay {$7000.00}.
This company is not licensed to collect in my state. In its communication to me, it did not list the permit number. Research completed indicated that this company is unlicensed to collect this debt
In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I had insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to COMMONWEALTH FINANCIAL, so why are they both contacting me. And XXXX XXXX XXXX is continuing to attempt collections on dates of service that matches XXXX XXXX along with identical monetary claims. I 've been told by XXXX XXXX XXXX If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an emergency room visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
They called my work repeatedly after I asked them to stop. Called my personal phone at all hours of the night leaving rude messages threatening to take legal action. I called them back, very rude customer service. They told me they would settle for a ridiculous amount of money that I do not even owe. We finally agreed upon a settlement of {$800.00} when I spoke to them XX/XX/XXXX, when I spoke to them again after XXXX they changed the amount once again. They went from {$1400.00} to {$1000.00}. They have agreed to let me pay {$1000.00} only if I make two large payments of {$500.00} in XX/XX/XXXX and XX/XX/XXXX. I told them I do n't have the money they said to borrow it from someone.
Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.