WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.
I had a small loan XX/XX/1993. It was about seven thousand dollars. I paid it off I thought as it was drafted from my check for years then just stopped so I thought it was paid then out of knowhere I had Great Lakes take a loan and now tell me it 's a consolidation loan and that I do n't qualify for loan forgiveness as I am a XXXX now they say I owe over fifty thousand dollars. This stinks of fraud
Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately
Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter.
I keep getting phone calls from HFS. ( Halstead Financial Services. They call and ask for XXXX who is my daughter and I keep telling them she does not live with me. They even called and asked for me but gave me her social security number. They keep calling stating I am XXXX and to stop playing games. I do not owe these people nor am I XXXX. XXXX.
I disputed 2 accounts of XXXX, those accounts are paid for an amount od {$18000.00}, my credit score went down instead of foing up why? ( Equifax ) (
I'm a American Express SPG card holder and am writing to report about American Express 's false advertising for their credit card products. As a XXXX SPG card holder with card # ends in XXXX, I received an invitation while I was logged into my online account to add additional cards to my SPG card. Per the terms and condition, after each card spend {$1000.00}, I would earn XXXX  star points for each additional card. As a result of their advertisement, I added 4 additional cards on XX/XX/XXXX expecting to receive XXXX star points in total after meetings spending requirements by XX/XX/XXXX. To my disappointment, so far I have only received XXXX  Starpoints and the rest of XXXX  Starpoints are still missing. Per my contact with American Express since XX/XX/XXXX, not only do they fail to explain why they haven't fulfilled their advertising terms, but they also refused to give me a clear timeline when the points will be deposited. I think this constitutes false and misleading advertisement because I added the additional cards and made extra spending purely for the sake of the advertisement, had I known that American Express would not fulfill the advertising terms, I wouldn't added the additional cards in the first place. I would like to see XXXX   star points deposited to my account asap.
after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. 
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.
I have several hard inquires on my account that shouldn't be there. I don't have the right contact information to ask that they review and get them taken off. 

XXXX XXXX  Inquiry from XX/XX/XXXX I have no idea what this one XXXX Inquiry from XX/XX/XXXX I want this reviewed and taken off. 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX I want to have these reviewed and taken off XXXX/XXXX  Inquiry from XX/XX/XXXX i have no idea what this one is
On or about XX/XX/XXXX, I contacted the XXXX  credit bureau in writing and I asked XXXX  to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. 

Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. 

***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )
Wells Fargo approved a loan modification for me in 2010. The untruths told to me about the process, the actual negative financial repercussions and a dire outcome on my home ownership are inexcusable. The entire modification process of homeowners who received this " relief '' needs to be investigated by federal regulators and remedies given to affected homeowners. I am in a worse position now 5 years later than I was before the modification.
I was given a student loan in 2007. However it was never sent to my school, it was sent to me, wells fargo never verified through the school the amount of tuition or any financial aid I had received. By law it does not qualify as a student loan.as some of the funds were not used for educational purposes. I was never told all of my payments were going to go to interest and not the principal. I've paid over 18000. On a XXXX loan and still being told I owe XXXX!! This is deceitful and ridiculous not to mention the loan does not qualify as a student loan. This is so beyond wrong! Wells no longer processes student loans this way so when I call no one can help me or knows what I'm talking about. Absolutely horrible.
I requested a replacement card from Amex Bluebird and was told that there is {$5.00} fee. I read the terms and conditions of my card and nowhere in that contract I could find " this fee ''. The FTC or any US regulatory company governing this business should look into this sneaky tactics
On XXXX XXXX, Nation Star/Mr cooper received a payment from me for {$10000.00}. My balance was {$10000.00}, which should have left a balance of {$83.00}. On XXXX XXXX, I saw the check clear my account, so went on line to see if I could get a payoff amount. I noticed the {$10000.00} was " unapplied payment '' and my balance was still {$10000.00}. On the home page it stated congrats your loan is paid in full. I call and the girl on the phone told me that my account was paid off and I had no balance. I told her I should have a {$83.00} balance. She told me, I was wrong and there was {$100.00} escrow credit which was applied to my account. I told her the payment history did not show that and my most recent statement showed a balance of {$11000.00} with next payment as of XXXX/XXXX/XXXX, which was incorrect because it did not show my normal XXXX payment. She told me it would take a day or 2 to apply the payment, but my account was paid in full. I checked back on the XXXX of XXXX and their was not change to the history of the account, so I called again. I got the same run around and I was told it is in the satisfaction department and I was paid in full. On XXXX XXXX, I sent and email to them asking for my account to be updated because it was still showing {$10000.00} balance. They sent a generic email back stating someone would get back to me. On XXXX XXXX, I sent another email stating if it was not fixed I would be going to the CFPB, I received another generic email stating I would be receiving a letter within 10 day ( no letter ). SInce I did not receive a XXXX Statement in the mail, I went on line to check my account. There was no statement generated and the balance was still {$10000.00}. On XXXX XXXX, I sent another email, because the account is still showing a balance of {$10000.00}, I received a generic email back. On XXXX XXXX, I received a letter at my home, that they are researching my complaint and they have 30 days from when I notified them to resolve the complaint, however most of the time it is resolved in less than 30 days. It was already over 30 days from when they received my payment. On XXXX XXXX, I check my account and it is still showing a balance of {$10000.00}. 

I need a statement showing my payment was applied and the balance is {$83.00} and if there is an escrow credit of {$100.00}, it needs to show that, if not I need a true pay off figure. If my account is satisfied then I want my mortgage satisfied in the court house and proof the account is satisfied. I do n't want anything to show on my credit report years ago that I had a collection or missed payment for XXXX How hard is it to post a correct payment. How can it continue to show as payment applied, when my check was cashed?
We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them! 
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?
Learned about Equifax security breach through social media. Upon checking utilizing Equifax web tool to see if I was affected, was told that I was affected. News site XXXX ( XXXX XXXX XXXX ) states that my name, social security number, birth date, and addresses were exposed to criminals, information that is unique and unchangeable and thus may be used to exploit me for the indefinite future ( XXXX XXXX XXXX ). Had to spend my limited free time signing up for a fraud alert through XXXX.
Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.
I had a credit card with XXXX and now the debt is owned by Midland Credit from what I am told. The original amount of the credit card was XXXX in which has been charged off by XXXX and Midland Credit it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
My husband and I requested a credit investigation in late XXXX.  XXXX and Trans Union have not responded yet, despite follow-up attempts.
Transunion and XXXX is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. XXXX was not giving me credit for my mortgage Staten that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX. these credit bureaus are out of hand with this. Please help.
We took out parent plus loans for both our children while they attend XXXX University and deferred the payments. When our son and daughter graduated from college in XX/XX/XXXX, our son and XX/XX/XXXX, our daughter, we contacted Navient to start the loan repayment process and hopefully lower the payments according to their income. But we were told we could not do that, after we were told this is how we should do the loans when they started college. we were also told we would be able to switch these loans into our son 's and daughter 's name after they graduated but that also isn't true. Now we and both our con and daughter are strapped with high interest payments for the next 25 years.
There was inquires from Rate Genius on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
I sent in XXXX checks to Wells Fargo Educational Financial Services. They only cashed XXXX check and when I called to ask about the status of XXXX check they were less than helpful. The first lady that i spoke to first blamed me for putting XXXX checks into the same envelope.Then after a few minutes of that blame-game, she blamed me saying that i sent the XXXX check to the wrong address ( which is impossible because they were XXXX in the SAME envelope ). I told her how they were XXXX in the same envelope and she continued to blame me. When i asked her how Wells Fargo was going to fix their error all she could respond was " I Do n't Know, maybe put a stop payment on your check and send in a new one TO THE CORRECT ADDRESS ''. So i ended the phone call with her and called my bank to start the process of doing a stop payment. Only problem is it is {$25.00} fee for a stop payment. It was upsetting that Wells Fargo wanted me to spend {$25.00} dollars because of their error, it was unacceptable. I called Wells Fargo back to speak to another representative about how the problem will be handled and if Wells Fargo does reimbursements for doing a stop payment.The second rep was a lady named XXXX, she could not find my check either. She then spoke to her manager and let me know that they have a " Mail opening machine '' and " It is not common, but also not unheard of that the machine will remove multiple checks, scan one in and then shred everything in the envelope, leaving no trace of the XXXX check ''. Which means that you have no way of proving to them that you made your payment on time or even early. I think it is very irresponsible of them to lose a check because they penalize and give late fees for their error. In the long run this could affect your credit score, the minimum payments remaining and just a terrible situation.
Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement.
A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!   XXXX   REFUSES to correct the error!!!!
On XX/XX/XXXX I called my mortgage company Wells Fargo to inquire about an endorsement for a check to repair my roof. During the call I heard a recording that said that my home was in foreclosure and scheduled to be sold on XX/XX/XXXX. As a result of the recording, I asked for additional information and was told by a representative that the foreclosure was filed on XX/XX/XXXX. As of today, I have not received a written notification that my home was going into foreclosure. I spoke to my lender on XX/XX/XXXX and was told that I didn't have a mortgage payment due until XX/XX/XXXX per the attached statement. After speaking to them on XX/XX/XXXX, I received a statement demanding that I pay at total of XXXX, however, it still does not indicate that foreclosure proceedings have started on my property. I am deeply concerned about the handling of this matter and don't understand why I wasn't given any type of notification.
After a very recent dispute, initiated through EQUIFAX, the following account has comeback with an update- verification showing the same gross error as before.IT HAS BECOME OBVIOUS that the XXXX XXXX XXXX is uneducated as to credit reporting and the FCRA ... .Equifax who should be removed by Congress as one of the Big Three CREDIT BUREAUS is inattentive, incompetent at remediating gross credit errors that they are required by the FCRA to remediate WITHOUT ANY INPUT FROM THE UNEDUCATED SUBSCRIBER.I am aware I have a civil suit that has grounds for gross negligence of EQUIFAX and the XXXX XXXX XXXX XXXX and both are guilty of wrongdoing that has harmed me financially ... ..the estimated fico loss is 50 points caused by this indefensible and unconscionable misreporting. 
It is also the duty of the CFPB to attend to both organizations with deserved fines, lawsuits and years long supervision.The attached evidence is conclusive as pertaining to my grave allegations. 
The account in dispute is XXXX XXXX XXXX/XXXX, ACCOUNT NO.XXXX THE ACCOUNT WAS CLOSED/TRANSFERRED IN XX/XX/XXXX. 
THE MIS-REPORTING SHOWS TWO 120 DAY LATES OCCURRING IN CALENDAR YEAR XXXX AS IF THE LOAN WAS OPEN IN XXXX IN THE DEPICTED PAYMENT HISTORY.This loan  today is with XXXX XXXX XXXX AND HAS BEEN SINCE XXXX OF XXXX AND IS CURRENT IN GOOD STANDING. 
IT IS ACCOUNT NUMBER XXXX
I had applied for a loan modification last year and was working with the CIT bank. During the process, I was to have all documents in by a certain date. However, as I was going through the process, I was working directly with the underwriter to get the bank exactly what they were requesting. The information I was sending was getting rejected so I had to keep sending in different things to satisfy their requirements. When I finally gave them everything to their satisfaction, they denied me based off of the fact that I didn't give them all of the information by the date they requested. I don't understand how they could do this as I was actively working with the underwriter of the bank. So basically, the bank gave me the run around and waited until after my due date for all of the information to be approved and denied me because it was after my due date when they received and approved my information.
Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX  XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.
As of XXXX XXXX, 2017, the public was notified by Equifax of a massive data breach of over 143 Million records, including SSN, credit history, and many other sensitive matters. Equifax has provided a toll-free number for assistance ( that either does n't answer, puts you on perpetual hold, or connects you to a person who can not tell you if you are affected, or not. Equifax also has provided a website to allow a person to ( 1 ) identify if they are part of the data breach and ( 2 ) optionally enroll in a free 1-year subscription to XXXX to track credit activity. Following the information request process on the website does NOT tell me whether I was affected or not -- it just skips that point entirely. And the enrollment is delayed until X/XX/2017. News services describing this event have also complained of a hidden feature of this service that may prohibit class action lawsuit and force subscriber into arbitration instead ( I would have to mail in a letter within first 30 days of sign-up, to void the mandatory arbitration clause ). This is a horrible response to their problem that was detected over 3 months ago, but made public only yesterday.
On XX/XX/2018. I submitted a dispute for a Public Record Bankruptcy to Transunion removed off my Transunion Credit File. The U.S. Courts have verified to me that that they in fact do not report such information to the Credit Bureaus. Furthermore, the address linked to the Bankruptcy is an address that's not on my Credit Report or is it an address that I lived at either. This Public Record has negative effect on my Credit File when it comes to acquiring Credit or applying for a Mortgage Loan. Per the FCRA & my rights as a Credit consumer, I've asked TransUnion Credit Bureau to send me documented copies that states the U.S. Court reported, verified or documented such information to them to place on my Credit Report. It's been well over 30 days and they have yet to provide such document.