WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail onXX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report.
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This refers to my XXXX  account # XXXX loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX.
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
NO PHONE CALL HAS BEEN PLACED TO ME REGARDING THESE ERRORS. NOT FROM MY DEDICATED LOAN SPECIALIST ( XXXX XXXX ), OR FROM FROM XXXX XXXX ( CONSUMER RELATIONS SPECIALIST ). 

XX/XX/2018 NEW COMPLAINT AGAINST MR. COOPER- Loan # XXXX XXXX XXXX Two weeks ago I spoke with a Loan Specialist to discuss my Modification Documents to ask why my deceased husbands name was included in these documents. The woman I spoke with placed me on hold several times to ask other people in her department questions. She ultimately agreed that this was an error ( obviously ), and told me I would be receiving a new set of documents in just a few days. As a mortgage banker for many years, what I do know is Mortgage Loan documents should not include a deceased persons name anywhere in the legal verbiage of a contract like this. The reason I started this modification was due to XXXX untimely death this fact is cited in several places in my application, you also received his death certificate back in XXXX. I should not have received these documents with his name anywhere in them. Regardless, I was not very trusting of her commitment that I would receive anything due to the fact that I have been told so many different things that were incorrect throughout this process, no follow up, no returned phone calls from Dedicated Loan Specialists, lost documents I was very skeptical I would receive new loan documents.

I waited 10 days for new documents. No new loan documents were mailed.

During the period I was waiting for the corrected documents to arrive in the mail, I decided to review the Escrow Account funds that are being collected every month with my mortgage payment. I found ANOTHER mistake. 
My property taxes are {$6300.00} per year OR {$530.00} per month. 
Your company has decided to make me pay {$10000.00} per year OR {$840.00} per month??? 
The whole premise for my applying for this modification was so I can keep my home by paying a lower monthly payment. Asking me to over-fund an escrow account by {$3800.00} is ridiculous and flies in the face of what I have worked so hard to accomplish with this modification. 

On XX/XX/2018 I called and spoke with a woman named XXXX who said yes, I should be receiving corrected documents and she will check to see why I havent received them yet. I also told her the escrow account that has a monthly payment is {$3800.00} too much annually. She placed me on hold for quite some time. When she got back on the line she told me Mr. Cooper will not be re-drawing the incorrect documents. Just sign them and send them in. She also stated that my escrow account would remain at the dollar amount that has been determined and I can go ahead and CANCEL MY MODIFICATION IF I DONT AGREE WITH IT?!?!? 

On XX/XX/2018 - I left XXXX XXXX ( my 5th or 6th Dedicated Loan Specialist ) a very detailed voice mail about this situation. 

ITS NOW XX/XX/2018 - I HAVE NOT RECEIVED A CALL BACK FROM XXXX XXXX I require a phone call from your office immediately. 
Thank you XXXX XXXX ( XXXX ) XXXX
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to Equifax, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXXXXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX XXXXXXXX is inaccurate and incomplete, and represents a very serious error in your reporting.
In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.
I submitted a dispute for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Experian. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the notarized letter I wrote to the court and the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid
I was contacted by phone from XXXX right before or around the 7 year date of past due payment to Citizens Bank VISA. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment PT for 6mo or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX XXXX did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to XXXX on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let XXXX know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.
A request for an investigation was sent XXXX/XXXX/16 to TransUnion and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.
I have disputed this item with Transunion several times. Every time, I receive a response that the debt is valid. Yet, I have NEVER received any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. I am at my wits end with the massively irresponsible behavior demonstrated by all of the credit reporting agencies ( XXXX, XXXX, and Transunion ).
I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXXonXX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it XXXX or not be related. The Equifax breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Equifax : XXXX/XXXX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX BANK XXXX, XXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these XXXX giant credit bureaus.
I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
SPS Servicing ( Select Portfolio Servicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ) on behalf of Delaware trust ( ) took over the servicing of my Mortgage as of XX/XX/2018 from XXXX XXXX XXXX. Mortgage payments of {$1400.00} ( with additional principal ) are set up as recurring removals ( automatic drafts ) from my checking account. On XX/XX/2018, SPS removed the full mortgage payment and additional principal from my checking account and applied it to the mortgage for my property. On XX/XX/2018 I received a statement that my mortgage was not paid and a late fee was charged and that I owed 2 months mortgage payments. I also noted that my FICO score dropped 18 points when I received this notifications. I call SPSP customer service ( XXXX ) and he informed me to ignore it. I wrote XXXX letters to SPS regarding this issues and I receive 3 letters stating that SPS was sorry that I was having difficulty paying my mortgage on time. On XX/XX/2018, SPS removed the next required mortgage payment from my checking account My mortgage was never late, not any paym, ments delinquents since dealing with this Servicer, yet SPS is sending letters implying that my mortgage is not being paid and letters which imply I am not able to pay my mortgage, questioning my credit worthiness. 
SPS Servicing is also a debt collection agency. I believe this company is trying to establish a false debt delinquency to initiate foreclosure on my property be it intentional or through a computer glitch similar to the XXXX XXXX glitch that lets to thousands losing their homes to foreclosure. 

I have written three letters to SPS Servicing asking why I received a late notice of non payment of mortgage but SPS has not provided me with an answer. 
I have concerns that this Mortgage servicer will also documenting false credit delinquency information about me and also making false reports to the credit report agencies.
I have two IRA accounts with Citibank. One has $ XXXX. The other has $ XXXX. Citibank has charged me {$100.00} in fees a number of times over the years because of " low balance '' in the one account with $ XXXX. They refuse to take the combined balance into consideration and refuse to refund the multiple {$100.00} fees. 

In addtition to this, when I let them know that I would like to liquidate all of my Citibank accounts and rollover the funds to XXXX they informed me that it would cost {$95.00} to close the account. 

So many customer experience problems here. One - Citibank would seemingly rather me remove $ XXXX from their bank rather than refund me a few hundred dollars in feeds. Two - they want to charge me for closing my account. 

CFPB - please help! Thank you.
Portfolio Recovery Associates and I have never entered into any contractual agreement. They are/and have been attempting to EXTORT me out of a FRAUDULENT debt of {$710.00}. Again I have never did business or entered into any contractual agreement with this company neither any of there associates. As a Result this company has been Bullying, Harassing and THREATENING me and my family on the phone, aswell as damaged my credit report with this FRADULANT charge.
On Posting Date, XXXX XXXX, XXXX, {$.00} was removed from my account as a Bal/Adj/Small Balance Adj. - Transaction Date : XXXX - Card Type : XXXX - Transaction Type : Fee - Reference number XXXX. 
On Posting Date XXXX XXXX, XXXX, {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction. Transaction Date : XXXX - Card Type : XXXX - Transaction Type : ATM Cash Advance or Bank Transaction - Offer ID : XXXX - Reference Number XXXX. 
On XXXX XXXX, XXXX @ XXXX I contacted XXXX in SC @ XXXX in regards to the {$.00} ATM Cash Advance transaction on XXXX. She informed me it was done in the dispute department and I was disconnected from the call. Then called XXXX and talked to XXXX in Tennessee. He informed me the {$.00} ATM Cash Advance Transaction was a general ledger adjustment for a fee adjustment rebill. He was not sure what the general ledger adjustment was for or why it appeared on my account. He checked with his supervisor and he was informed to transfer me to the Consumer Service Department. Per XXXX in XXXX, in the FIA Card Services Department he was not sure what the {$.00} Cash Advance Transaction was about and I ended the call. After spending 1 hour and 5 minutes on the phone with these 3 representatives not one of them was able to give me an explanation. 
On XXXX XXXX, XXXX at XXXX I contacted XXXX in Tennessee @ XXXX. 
Questioned him about the Small Balance Adjustment of {$.00} that was removed from my account on XXXX XXXX, XXXX. He could not tell me why the adjustment was removed but informed me he would issue me a {$.00} adjustment and the {$.00} would be returned to my account within 24 hours. As of today, XXXX XXXX, XXXX this {$.00} adjustment has not been returned to my account. 
Please give me an explanation as to why the {$.00} was removed from my account as a Bal/Adj/Small Balance Adj on XXXX, why the {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction and why the {$.00} adjustment was not added to my account by XXXX/XXXX/XXXX by XXXX.as I was informed by XXXX in Tennessee.
i tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.
I have submitted letters on the following dates to XXXX, XXXX  and Transunion : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
This is in reference to CFPB Case # XXXX. XXXX XXXX   responded with a letter stating a rebate was issued on XX/XX/18. You closed the case. As of XX/XX/18, I have not received the rebate. The letter states I can contact XXXX XXXX at XXXX, but I have left messages many times with no response. I have enclosed the letter.
Navient increased on of my loans interest rate to 10 % without notification or approval from me.