WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has never provided a full accounting of debt owed to the XXXX XXXX even though requested on numerous occasions. No invoice, statement, letter or electronic notice every provided to request payment. When I called and spoke with representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX, in XXXX XXXX, I was told to wait for reconciliation and notice to be sent ). Nothing was every provided. It was then reported to US Dept of Treasury XXXX a debt owed, US Treasury sent demand letter and I responded same day with payment and undeserved late fee, which was cashed on XXXX/XXXX/XXXX from my bank account. They then reported on XXXX/XXXX/XXXX that I was 180 days late on a federal debt. When I called, they could not locate payment, or evidence of request. They will not remove or correct, and insist on additional payment even though I have proof of an on time payment. They continue to report this fraudulently even though I have asked them to cease and desist. I have offered to pay in entirety if they would provide full statement or any other accounting of funds due - they refuse, and continue to misreport the debt on my credit. The only document ever to request payment was from US Treasury was on XXXX/XXXX/XXXX and I responded with payment immediately. This is a gross mis-representation and jeopardizes my credit and employment. Please assist.
Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.
Hunter Warfield is reporting a debt on my credit reports without giving any prior notification or validation of debt. I 've disputed this debt with the credit bureaus as I have no knowledge of it. Hunter Warfield has not given any validation of this debt and has not notified me of any rights I have as a consumer to dispute said debt.
XXXX   XXXX ,  2017  I received an alert this morning from  XXXX  and  XXXX  that my complaints agains t American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my credit score to be i mpacted.
I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over XXXX.
XXXX and Experian are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.
The " servicing '' of my mortgage was transfered from IndyMac to Ocwen XX/XX/XXXX. I was invited to and was sent forms for an HAMP mortgage modification from Ocwen at that time. I was subsequently denied a modification, but Ocwen continued to accept my payments from the modification agreement made with IndyMac XX/XX/XXXX. When I was denied a modification, I requested from the agent in charge of my application a response in writing that would spell out what the terms were for the denial. I was verbally assured by that agent, XXXX XXXX XXXX XXXX that I would be sent the information but instead, about a week later I received the formal notice that I did not meet the " eligibility guidelines '' for XXXX. I suspect my income information supplied to Ocwen was fraudulently adjusted and I was hoping I would be given a chance to rectify this situation. The fact that the information requested was never forthcoming from XXXX XXXX or Ocwen suggests that my assumption of their illegal and fraudulent actions was justified. I believe I am qualified for a mortgage modification under XXXX guidelines.
I am a victim of identit y theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) tha t I have made. It is the result of identity theft.
I have been training to short sale a house in XXXX XXXX, NM. I have had a purchase offer from a willing and qualified buyer, since XXXX XXXX, 2015, but after receiving numerous " commitments '' for conditional approval from the lending institution personnel, almost six months later, all parties are STILL waiting for an approval that seems unlikely to ever come.
Bank of America closed my Travel Rewards c ard 2 months after I opened it without any reason and without any notice. I had  XXXX  points on this card that I earned from bank bonus and from my spending. They confiscated all my points and refused to compensate me for their val ue ( {$350.00} ). I c onsider this a robbery and would like to get my points in form of check.
Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by XXXX.
On XXXX XXXX, XXXX I began a 3 year loan modification term with XXXX XXXX XXXX whereby my {$1.00} XXXX mortgage ( Loan No. XXXX ) interest rate was reduce to 3 % and interest only monthly payments of {$6600.00}. This interest rate was to last for 3 years and then it would be raised to 5.25 % with 25 year amortized monthly payments of {$12000.00}. Although I was aware that I could not afford the terms of the mortgage after 3 years, I had no other recourse as I did not want the Bank to foreclose on my home. I also was of the expectation that the real estate market may re-emerge from the 'Great Recession ' to allow the sale of my house during that time period. 

I was current with the {$6600.00} payment when the 3 years ended. Being aware prior to the 3 years ending that the real estate market had not returned to where I can be successful with a conventional sale of my home, and furthermore, that I could not pay the new upcoming monthly mortgage amount of {$12000.00} come XXXX XXXX, XXXX, I began to request from XXXX XXXX XXXX in writing early in XXXX to revise the loan modification agreement so that the 3 % rate will be extended beyond XXXX XXXX, XXXX. XXXX XXXX XXXX delayed and did not revise my loan terms, but instead, on XXXX XXXX, XXXX, my loan was transferred to Nationstar Mortgage for servicing ( Loan No. XXXX ). My appeals for a modification of the loan terms continue with Nationstar, however, I am being quickly denied the modification on the basis of negative income, and at this time am being threatened with foreclosure. A Notice of Default was filed against me earlier this month ( XXXX XXXX ). 

My income is presently {$120000.00} per year and my income will increase by another {$25000.00} per year come XXXX XXXX, XXXX due to an upcoming monthly retirement payment that will begin at age XXXX. I have the means to pay a lower interest mortgage payment on my current home. Furthermore, the real estate market condition in California has improved dramatically during the past several months to where it is feasible for me to now sell my home and pay my outstanding loan balance. Accordingly, in an effort to avoid the foreclosure, my home is presently listed for sale. It has not sold yet but we have a good level of activity and expect to have a sale soon. However, the looming threat of foreclosure from Nationstar, and the filing of the Notice of Default, have reduced our options in comfortably pursuing the sale. 

My loan violates Fair Lending laws and practices as it increased to an unaffordable monthly payment of {$12000.00}. Furthermore, I have become aware that my loan had been electronically sold via MERS on several occasions and the rightful holder of my Deed of Trust is not known. I am requesting your help in assessing the violation of fair lending laws and guidelines with regards to my loan. I ask for your assistance to curtail an unjust foreclosure before I succeed in selling my home.
I tried to refinance our mortgage to get a fixed rate. I found out we have a balloon mortgage on a forty- three year note.
I did not even know we had a 43 year note. I also do n't unstated a balloon payment or escrow etc. we never signed anything.
We can not refinance because my credit score. I did not sign any documents approving a 43 year note. I have lived in my house for 27 years. I am so doubt when it comes to escrow etc. my balance has gotten out of hand and we will never pay it off. 

I just want someone to get the papers you are suppose to have with a mortgage company and review them. At one point they were charging a XXXX a day late fees. You can talk to them because they are so rude I desperate need help. Seems like there is no help for people with illegal mortgages. I do n't know who to turn too. I am retired and on XXXX and have a hard time u derstanding all this. Please help me
I have a account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Last month a collection account from Transworld Systems showed up on my credit report. I've received no mail or phone calls from this company. I disputed it with XXXX  but never heard anything back.

Today, Transworld again reported the account to XXXX   and XXXX. I have no knowledge of this account and Transworld has never contacted me in any way, including sending a letter notifying me of their existence and therefore providing me with the opportunity to ask for verification of the debt.
I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.
Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Hi I own a home with Ocwen and i have mailed several several Loan Modification documents to Ocwen and no one got back with me. Then about 3 months into it they decided to give me a relationship manager whom according to our discussion was going to get me a loan mod, but he came back to me and stated that he will give me a payment plan and i was advised not to make a payment plan until i heard from him. Well i never heard from him and later i continued to apply for a loan Mod and still nothing from Ocwen, about 2 months ago i got a letter stating that i will be foreclosed and i called Ocwen and at that time was given another Relationship manager who called me on day before XXXX telling me my mortgage has now basically doubled in price for the next one year. 
They are basically forcing me into a repayment plan that is double the monthly payments. 
I find this solution during this difficult time of my life to be preditory and unreasonable. 
I need help and a modification not for it to double and now i am stuck and dont know what to do and where to go. 
I have lived in this home for the last 14 years, I am a responsible home owner. I WANT to keep my home.
My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company. 

I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003.
I want to first and foremost thank Equifax for processing my disputes recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of buy personal information. I will link that letter and the receipts here for your convenience and proof.

Unfortunately I can not tell if they processed my disputes because the two old accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account begging in XXXX that I am currently 120 days or more late and that is not valid because I have zero lates on this account, please check my attachment. This information should be deleted, as should the whole account. Also, on that same account there appears to be statements supposedly made by me and a comment made by me. These are false and I never authorized any comment nor statements. this is concerning and would like to know how and why this is appearing. In other words the account is not valid or verifiable so please just delete it. 

Secondly, I would like to bring to Equifax 's attention that account # XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section. 

These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me.
There is a medical collection on my credit. As of XXXX 2015, credit reporting agencies such as Trans Union are required to withhold reporting of the collection for a minimum of 180 days and a maximum of 9 months so the patient can receive and pay the bill. I have informed them of this, but they have not removed the collection from my credit report.
I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX  on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?
I have been dealing with this issue with XXXX  since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX  Account # : XXXX 2. STATE FARM BANK Account # : XXXX
Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee.
I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.
Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.
I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
I refinanced my student loans with Earnest. Today they sent out an email that they are changing how auto payments can be scheduled. According to them : " Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. '' To top it off, changes to Auto Pay now have to go through contacting customer service instead of being managed directly online.

Effectively Earnest is going to make loans harder for everyone to pay. I enjoy my biweekly auto payments because it helps me pay everything off faster.

The email reads : " Moving forward, Auto Pay can only be scheduled for the XXXX of any given monthother days will not be supported. If your current Auto Pay date falls within that range, no action is required. If it falls outside this range, please sign in to your Earnest account by XX/XX/XXXX to choose your desired payment date between the XXXX and XXXX. If your XXXX Auto Pay date is outside the supported range on XX/XX/XXXX, your payment will be automatically pushed to XX/XX/XXXX. 

After XX/XX/XXXX, changes to your Auto Pay dates must be made directly with our XXXX XXXX team, rather than through your client dashboard. Well keep you posted once you can do so through your dashboard. 
Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. Any clients paying twice per month are requested to sign in to their Earnest account to select a new monthly payment schedule. If you dont do so by XX/XX/XXXX, the system will automatically select a payment date that will be at least a month after your last biweekly payment. We are exploring a number of alternative biweekly payment options between now and XX/XX/XXXX. We will update this Help Center article in the coming weeks once we have settled on a solution. 
Rest assured that the terms, conditions, and benefits of your Earnest student loan refinance have not changed, and neither has access to our team of Client Happiness experts. More details on whats changing can be found in our Help Center article here. ''