WillisBack/dataset-financial-user-claim huggingface dataset:
Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully  foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.
I got a loan from XXXX they informed me that it was an interest only loan the representative informed me of this over and over that I would be able to pay the loan at an interest only at any time without a problem and that the loan can be renewed with no problem. The representative left the company and I got a new rep who informed me that this was not the case and that I would have to refinance the loan and pay more fees. I got one package for a small amount to renew and every time I would get a package he would increase the fees more and more in order to make an even higher commission or percentage on the loan what showed a few XXXX dollars ended up being over {$3700.00} after numerous changes he continued to make. I was forced into getting another loan by getting an appraisal prior to this I was never late on my loan until the loan matured owing {$23000.00} it 's only been XXXX months and I was told I now owe {$46000.00} after XXXX months of non payment. The lender agent gave a loan on false basis and lied constantly about the terms of the loan. I was informed on many occasions that the loan would be renewed on interest only. I later received a copy of an email that was circulated by that XXXX my new account representative explaining to many people involved in the processing of my loan such as the closure using derogatory remarks such as " I was full of it '' and that he deliberately and intensionally refused the renewal because of his personal opinion which was a discriminating action on his part when I did not take the loan I received a nasty email stating he will not renew the loan of interest only therefore causing me to go into default with XXXX I was discriminated based on personal opinion of me as the emails he was sending will show. Therefore causing the loan to escalate into default intentionally. Also causing me to pay double in what was originally owed. At this current time I am in default with Clear Springs the loan servicer regarding this reckless intentional act on his part. When I did not want to take the new term on his terms and was not ready financially due to the recent injury of my father he was angry and refused to renew the interest only with the mortgage servicing company. The employees are advising many borrowers that they can have these loans on interest only and then bait and switch when a person or company does not want a new loan on different terms or chooses to have you owing an even higher amount in order to keep you in debt for a longer period than originally agreed due to high fees not originally agreed and terms that changed in order to benefit them and not the consumer.
Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.
I have worked in the public sector for over 15 years. I graduated from school in XX/XX/XXXX, and have been paying on my loans since then. In XX/XX/XXXX, I knew about loan forgiveness for public sector employees. I contacted my loan proceeded in XX/XX/XXXX and asked what I needed to do to qualify for the loan forgiveness. At that time, I was set up on an automatic withdrawal to pay the amount every month at about {$350.00}. I have not missed a payment since XX/XX/XXXX. In XX/XX/XXXX, my loan was taken over by Mohela. I left everything the same, even though my principle ( which had doubled to {$42000.00} ) was not decreasing. Today, I talked to Mohela about getting that loan forgiveness, and they told me that I was enrolled in extended payment ( with am expect repayment date in XX/XX/XXXX which is 35 years after taking our the loan ), and extended payment doesnt qualify for forgiveness. I have been paying on time for 9 years, with the principle of the lon not decreasing. When I talked to a supervisor about this, they told me they were sorry and that the extended loan repayment was to help consumers. How can they even try to say that? I will also be writing my senator and congress representative about their predatory practices. This is disgusting!
I worked in XXXX XXXX for 19 years. I was told that the remaining balances on my student loan would be forgiven last year due to my duties in XXXX XXXX. This did not occur.
For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.
I have never received a letter providing notice of dept collection. I have never received any phone call in regard to this dept collection. I have no idea what this is about despite my attempts to gain additional information. 

Simon 's Agency did remove this negative note from XXXX XXXX and XXXX, but NOT XXXX. 

I have excellent credit and do not want this on ANY of my records and kindly request that this incorrect dept be removed from ALL THREE credit agencies.
XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.
I submitted disputes on my credit report with XXXX, XXXX and Experian onXX/XX/XXXX. I  included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
I refinanced my home with XXXX in 2006 for {$250000.00}. XX/XX/XXXX I was in a financial crisis, so I got a loan modification with them. The payments were lower after the modification which. Is what I was looking for. Right after I got the modification, XXXX sold my mortgage to Greentree. Now that I am with Greentree I am seeing nothing but trouble after going through my loan paperwork. I found a HUGE mistake! 
My loan with XXXX XX/XX/XXXX was for {$250000.00}. After they sold it to Greentree, the balance was {$280000.00}!!!!! I never even caught any of this until I was going through my loan paperwork just recently, Can you tell me how in the world I have a higher loan balance now?!!?!!! Someone has added in just a couple few thousand dollars ( {$29000.00} ) without me catching it!!!! 
Can you please tell me why I have a higher payoff amount now that it was sold to Greentree?!?!?? When looking at my Greentree statement, it shows a principle balance of {$250000.00}, then it says ( not payoff amount ). What in the heck is going on?!!!?!?! 

Why do I have a higher payoff amount after XXXX transferred to Greentree? A lot higher! 

Another thing I am ticked off about is that Greentree is charging me all of these late fees for now reason! And when I used to make payments over the phone ( which you can no longer do ), they would say that I had to pay a certain amount for paying over the phone! I would sit and argue with them telling them that I do n't get charged for paying over the phone. Then they would act like it was a mistake and say, " oh you are correct, Kansas does not have a charge for paying over the phone ''. 

Another thing is that I have been paying online. As long as it is made by XX/XX/XXXX, then it is not late. Well, I have made several payments on XX/XX/XXXX and marked for it to be on XX/XX/XXXX. After reviewing my bank statements, they never put the payment through until several days later, therefor creating their own late fee! 

Honestly do not see how these rotten people are getting away with stealing everyone 's money! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
A debt collector contacted a relative of mine. They left a voicemail calling for me stating that they were a debt collector and this was an attempt to collect a debt. The number they called in registered in someone else 's name and obviously not my number. They disclosed information to an unauthorized third party.
I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Richard J. Boudreau & Associates ( collection attorney ). 

My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. 

I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. 

I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH
Selene is in the process of a auction forclosure Sale date is XX/XX/XXXX. The judge ask me last time when I was in court do I wish for them to process the Forclosure. I dont understand why she asked this because I actually have a mortage statement from Selene that was issued on XX/XX/XXXX that says that they have completed the first Forclosure proceedingXX/XX/XXXX. Even though I never got notice that they had even started the process at first. I am not sure exactly when the exact date started of the forclosure but had my address but never sent me notice that they had started the process. I am trying to find out the initial day the forclosure proceeding started. I also see on XXXX that the house was sold XX/XX/XXXX for {$120000.00} so how is this possible if they are taking me to court now to do a forclosure. i dont know what is going on but can you see if you can get some answers to these questions.
THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ...
XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.
I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.
equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM
The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report.
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XX/XX/XXXX came by and I made the XX/XX/XXXX payment on the XX/XX/XXXX. but my account still showed as being XX/XX/XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
I have disputed debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the information.
Earlier this month I had applied for a XXXX college loan for my son, as I do each year, and was told by the college treasury office to contact Equifax due to a 'problem ' with my credit.

Upon calling Equifax numerous times I was told by the Equifax customer rep that my SSN, name, and address do not match any file in their system. I was told to submit official identification as proof of SSN, address, name and I did so.

I have followed up repeatedly for progress on correcting this issue and each time I am told that there has been no change and there is no additional information they can share with me.

Note : I have had credit established with each of the three credit reporting bureaus for +30 years and never had any issue with fraud or errors. I have no such problem with XXXX or XXXX so I don't understand why this is happening and have no response from Equifax as to whether this can be corrected.

Please help.
I want to terminate my lease earlier than when the lease is supposed to end and return the vehicle to Volkswagen. 

They have told me that this is possible and that they can give me a payment plan for the amount I will owe instead having to pay the entire balance at 0 % interest ( one reason I want to do this payment plan ). I estimate I will owe them {$2400.00}. 

However, they will not show me or write to me in writing how this payment plan will affect my credit report and how the lease is currently being reported. 

I am concerned that doing this payment program could negatively affect my credit history but they say that this would not be the case.
The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.
I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.
US bank is both the lien holder, servicer and investor in my XXXX home mortgage ( confirmed with them ) I lost my job on XX/XX/2018. 

I used my severance to pay Mortgage / Property taxes  and did not get a new full salary check in my new position until 1st week XX/XX/2018. 

I fell behind two payments of {$3500.00} each. 

I applied for a forebearance and hoped to have the loan modified in some way. 

To date ( XX/XX/2018 ) US bank has declined to modify the loan and instead " offered '' a 3 month accelerated repayment plan of over {$5800.00} to be paid XX/XX/XXXX, XXXX, XXXX I had to turn this down as I only have about $ XXXX/month disposable income after paying all my bills. 

U.S. bank knew this in XX/XX/2018 when I applied. 

I appealed their repayment plan and denial of loan modification by XX/XX/XXXX IN WRITING as there letter to me instructed. 

I'm Waiting to hear from the appeal ( as of XX/XX/2018 ) I called US bank MAP ( mortgage assistance point today ) My Complaint In the middle of trying to a loan modification ( XX/XX/2018 ) I received a letter from US bank saying they were setting up an escrow account into which I was to deposit about $ XXXX/month to cover home insurance and property taxes. 

My loan note with them EXPLICTLY says " no loans or impound accounts '' and I will pay the property tax as I have done so far. 

I want this escrow account suggestion withdrawn. 

They have made the situation more complex as I was UP TO DATE on all home insurance payments with XXXX ( XXXX ) and yet they paid the full 6 months insurance even though I'd already paid 2 months WITHOUT my knowledge or consent. 

US bank refuses to conduct business via email and insists on telephone conversations. Im guessing to avoid paper trails. 

I have written to them and asked they shut the escrow request down and fix the home insurance mess they created.