WillisBack/dataset-financial-user-claim huggingface dataset:
At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX
I met with a financial counselor who checked my XXXX report and we noticed two debts, one with XXXX and one with Bank of America. I first went to XXXX and they dropped this fee and I was able to open an account there. I later went to Bank of America and decided to pay the debt that showed under " suspected fraud activity '' not because I did the fraud but because I wanted to clear that debt and open an account at XXXX. The date reported on the debt is XX/XX/2013 I was out of the country during this time as I was vacationing in XXXX, so it was impossible for me to deposit a fraudulent check in the account at this time. After I paid the debt with Bank of America I was under the impression that I was cleared and could open my account at XXXX, when I tried to I was denied and they said it was due to debt on my XXXX report. I called Bank of America multiple times to have this removed and they informed me that they will not be able to remove this from my report. I explained to them that I was away on vacation and sent them a dispute letter with my passport showing the vacation days as proof but still nothing was resolved. I then called Bank of America Check Fraud Claims department with my financial counselor, the representative told me that I should be able to open an account. She said to visit a branch and have a representative at the branch call the Check Fraud Claims department to have this cleared up. So when I went to the bank the representative called and informed me that I would not be able to have an account with Bank of America. I would like some help in clearing this from my XXXX in order for me to be able to open an account at XXXX.
My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!
I have written Equifax several times asking for written verification or the name and or source of the information that they are reporting on XXXX accounts that I had with XXXX. Each letter has been requested with a written receipt. They are reporting XXXX account XXXX with XXXX different charges as charge-off.. The other account they were reporting that I owed money when I had in fact paid the account off. As of XX/XX/2016 they are reporting this last account correct. However ; they have failed to have accurately supply me with written documentation verifying the information that they have reported since my 1st original letter on XX/XX/2016 and my follow-up letter dated XX/XX/2016. 
Because their inability to provide me with some form of written documentation with my signature ; I am requesting that all information being reported on behalf of XXXX with the exception of the account that was paid in full be deleted immediately. I 've reached out to XXXX with XXXX letters ; ( return receipts ) as well and they have not replied to any of the letters requesting written verification. If the creditor can not provide me with the documentation then how could Equifax have verified information? This is my final goodwill attempt before exercising my legal rights.
I purchased a lease to own car from XXXX XXXX leasing on XX/XX/2015. The terms of the deal were that I had to pay {$130.00} every week for 3 consecutive years. I kept up my side of the deal as far as making payments but after the second year I gave the company {$8000.00} in advance to buyout the final year of the lease. The original company whom I obtained the lease from XXXX XXXX XXXX XXXX has since sold the company to a new company called ( Fair ). Fair is  now saying that they never received the money from my {$8000.00} payments even though my bank XXXX XXXX is indicating that the money did indeed go through and no reversals were made. I have received emails from the original leasing company with confirmation numbers and receipts to back up my claims. My car has since been wrongfully reposed and the company is now saying I owe $ XXXX.I contacted the company and requested an itemized accounting of my payments and they have refused to provide me with my records.
Over the last five years, I have received a lot of misinformation from Navient regarding my loan repayment. Initially, when I would request information about income sensitive repayment or forgiveness they would instead suggest deferment and forbearance. Which added years to my loan and thousands of dollars. Once finally entered into these programs I have been given consistently changing information about my status, sometimes I am told, like when I called in XXXX, that I needed to refinance completely, sometimes I am told I am part of the program, other times the dates of forgiveness are different. I have been told both 20 and 25 years, then after being in the program for 15 months that I do not qualify at all and will need to refinance. 

Much of their staff is from the XXXX and have no experience with American student loans, other times like this past XXXX the person is an American and still give totally inaccurate information. In the end, my student loans are already over twenty years old, the income sensitive and 25 year and 20 year forgiveness programs have existed since XXXX yet time and again staff has discouraged my entrance, telling me my loans where not qualified and once entered in XXXX that I was no longer a participant or was never part of loan forgiveness. This misinformation has kept me from a forgiveness program that I was qualified for all while adding thousands to my repayment.
XXXX XXXX WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.
Portfolio Recovery is a debt recovery company. I dont have a signed contract with them. The couldnt produce the proper documents when asked for method of validation to show me that my signature, Identifiation etc was on file. They couldn't produce it.
In XX/XX/2018, I mailed all required documents and a letter requesting that Protected Consumer Freezes be placed on my XXXX childrens ' social security numbers. We have no reason to believe their credit has been used but want to prevent this from happening. XXXX  and XXXX   mailed letters in XXXX saying that the Freezes had been placed. Equifax mailed 4 letters dated XX/XX/2018, saying they were unable to locate my childrens credit files and generally advising me to mail in the documents I already sent them if I thought my childrens credit has been stolen. I have spent a couple hours on the phone, the last being today XX/XX/18, being bumped or given phones numbers for various departments within Equifax trying to find the correct department without any progress. I am at a loss of what to do next as I feel it was a big security risk to mail all my childrens identifying information at one time to begin with, and then Equifax can not find these documents and are suggesting that I resend them. No one at Equifax seems to know anything. Can you help? This shouldnt be hard to protect my childrens credit with a company the Government makes me beholden to. 
Thank you for your help.
On XXXX/XXXX/XXXX I charged {$500.00} to my carecredit card to have vet work done for my mom 's cat. We took advantage of a 12 month promotion. Pay if off in 12 months and we would n't be charged interest. We budgeted $ XXXX/month for the payments, with the belief that it would be paid off within 11 months. Due to some cat rescue work, I did have to make some additional charges on the card ; however, I kept paying $ XXXX/month with the belief that it would be applied to the oldest charge first, which I believe is part of the new regulations. However, on XXXX/XXXX/XXXX when I was paying my bills, imagine my surprise that the balance showed over {$100.00} on the promotional balance. I called on XXXX/XXXX/XXXX and discovered that for XX/XX/XXXX - XX/XX/XXXX ( as well as possibly earlier ) my payments were only partially applied to the promotional balance. She credited over {$20.00} from each payment ; however, that left me with a {$5.00} balance on the promotional payment. I have paid that as of today and hope to see it cleared tomorrow. However, this does not excuse the fact that Synchrony Bank/Care Credit applied my payments willy-nilly so they would be able to charge the full years ' worth of interest on the entire {$500.00}.
I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from Navient going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your Navient Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported to all credit reporting agencies
Graduated from XXXX XXXX XX/XX/XXXX. 
Received notification from XXXX XXXX ( third party lender for books/supplies/software NOT tuition ) I am a Veteran - gain college degree via Post XXXX GI BILL. 
For 2 years - XX/XX/XXXX-XX/XX/XXXX went back and forth speaking with the school and XXXX XXXX and could not get a straight answer as to how I owe XXXX $ in Federal Student Loans? 

Lived on and came across Navient looking to collect same debt, then again a year later XXXX looking to obtain this obscene amount of money. 

Sent message today to complain to FSA. 



After graduation, I have battled back and forth with, at the time was XXXX XXXX, third party that provided loans for books/ supplies/software. XXXX XXXX showed an astronomical amount I owed ( 20 plus thousand dollars. ). I Contacted the school and XXXX XXXX numerous times to explain how this is possible. My tuition was covered under my Post XX/XX/XXXX GI Bill. Because I could not get an answer to this amount owed, what it was used for, etc. I chose to carry on with life as best I could at that time. Only response was " You need to contact the school and they should be able to tell you what they used that money for .... '' Time went by and I got a piece of mail from Navient ( which used to be XXXX XXXX ...? ) stating about the XXXX XXXX I owe in " Federal Student Loans '' and need to arrange payments. I was not up to the level of stress this was going to bring. I later came to speak with them, addressing my concerns and they opted for my account to go into forbearance I believe. Currently today XXXX is who has contacted me to start paying. I am speechless on these actions for this high amount to be paid by a Veteran that used his Post XX/XX/XXXX Bill for college tuition to better my abilities but am threatened by this amount to pay. 



XXXX XXXX XXXX Your case has been submitted! Your case number is XXXX. 
Thank you for submitting your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days.
On XX/XX/XXXX, I sent a wire transfer of {$500.00} to Coinbase to be deposited into my account to use for trading of cryptocurrency. Coinbase was pretty backlogged at the time, so they said it could take up to 10 business days for the money to be credited to my account. After the 10 business days had passed, the money still did not show-up in my account. I tried calling the company, but they don't have phone support for these issues. I submitted a case through support.coinbase.com, and they just sent me a canned response. I keep sending more emails, and each time I just get a canned response. They think I am under 18, when I am, in fact, XXXX years old. They even had me resubmit a photo of my ID to prove my age. They have not once addressed where my money is or how I can get access to it. I talked to my bank, and they submitted a recall of the wire transfer from the receiving bank. It has been 2 1/2 weeks since they submitted the recall request, and XXXX XXXX XXXX has not responded at all to the request. I don't know any other avenue to get my money back except for your service.
I opened an account with Fifth Third bank on XX/XX/XXXX. I received my retirement income by auto deposit on XX/XX/XXXX. I also had made a deposit of {$500.00} by Phone pic which was a CASHIERS CHECK. I went to bed on XX/XX/XXXX with {$120.00} in the bank. I woke up on XX/XX/XXXX to find that I was negative {$300.00} in fees because they decided that they could read the Computer printed Cashiers check. I took the check to the bank personally and they still want to charge late fees. Now they are going back and simply cancelling all of my payments I made by computer ( Heath Insurance, Car Payments ) to add positive money to their account which is all negative fees. NO END IN SIGHT. They refuse to remove fake negative fees.
terrible company with horrible customer service. Navient does not try to help you whatsoever. After my rate reduction program was over I went to check what my payment for the month of XXXX would be hoping I could afford it, when I checked it said {$0.00} due, this was just a few days before the payment was due ( XX/XX/18 ) Then I noticed over {$450.00} was taken out of my account automatically. I was also told before, by customer service, that automatic payments would stop once the program ended- clearly not true. Now I no longer qualify for the program for some unknown reasons. Their other options are limited and would not benefit me at all. They also do not provide reasons as to why you no longer qualify for certain repayment programs. Interest rates are at a ridiculous 10 %. Everything about this company is corrupt. I never even signed up through navient, never got notifications that they were taking over my Sallie Mae loan. I always mentioned to navient that this also is not the only company I have student loans with, so on top of this loan I also have to nearly {$400.00} to the other providers. I can not afford to pay {$1000.00} a month.
I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.
On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX   XXXX   I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be  XXXX . Within the first week of having the car, I had to take it back to dealership  five ti me to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX ,  I got stationed in  XXXX ,  XXXX , I have my mother Power of  Attroney fo r my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would conta ct my commanding officer of my command if i  did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
I recently went to a credit education class and XXXX of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX FUNDING, XXXX XXXX, XXXX XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..
My current mortgage company CIT Bank N.A.  scheduled a foreclosure sale of my property on XX/XX/XXXX. My servicer skipped several mandatory steps before to move forward on the foreclosure procedure ; with only five months behind, they will foreclosure my home. 
Cit trustee 's attorneys didn't provide information requested on my response to their Deb & Mortgage Validation Letter submitted on XX/XX/XXXX ; moreover, CIT moved forward with this foreclosure even before they accomplished their own 30 days allows to me to respond to their debt validation letter ( DVL letter received on XX/XX/XXXX ). 

The facts for my request for a loan modification submitted using Hope Loan Port ( case number available by request ) are : - Property is my Primary Residence and only one property. 
- The main reason for my hardship was the continuous disagreements that begun to arose with my husband, and unfortunately continue escalating until XX/XX/XXXX, the date that he decided to move out of our marital home and left me responsible for all home expenses, including mortgages. Since that day, I was trying to make my best effort to keep all accounts currents ; in few months I exhausted all my savings, income, even valuable stuff that I sold for less than the real value just to continue paying my mortgage on time. Unfortunately, in XX/XX/XXXX, I couldnt continue, and I fall behind with my financial obligations. 
- As result of this situation, I also fell into a deep XXXX, a condition that worse my financial situation because I was unable to work for some days. 
- Since XX/XX/XXXX I began receiving financial counseling from XXXX, a local non-profit organization ; with them, I was able to create a budgeting plan and prepare this present request to save my home. 
- As an agreement with husband ( now separated ), he will continue paying the two car loans listed on  my credit report. Also, currently, I am working with XXXX  in a plan to address all my unsecured debt balances. 
- My second mortgage is in the process to being transfer from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ; I hope that after obtaining a reasonable workout with CIT Bank, I can move forward a negotiate some agreement that allows me to continue paying this second mortgage too. 
- For now, my emotional health and finances are getting better, I move forward in my life, and I want to keep my home. I made during last weeks so many cuts in unnecessary expenses ; now I am confident that I will do it by myself, just I need my mortgage company understanding and common sense to avoid one more foreclosure on our community. 
- A complete package was submitted to CIT and is waiting for a review and a response, this package included ; Bank statements, pay stubs, hardship affidavit, XXXX, XXXX, Third party authorization, taxes XX/XX/XXXX, taxes XX/XX/XXXX, Driver license, utility bill, HOA statement, affidavit for no car loan payments listed on my CR. affidavit of counseling received to handle unsecured debts and second mortgage.
This has been an ongoing issue, however, today topped the cake. OneMain called me a total of XXXX times today and left XXXX messages. Additionally, my payment was made last week ( XXXX ) which was prior to my due date of XXXX. I feel as though this is an attempt to retaliate because of a CFPB complaint that was previously filed for an unrelated issue. This is not the XXXX time OneMain has called to collect on a debt prior to my due date. Nor is it the XXXX time they have called more than XXXX times in a day. I have even informed OneMain that their collection practices are illegal, however, they have disputed this with me and continue to attempt to collect illegally.