WillisBack/dataset-financial-user-claim huggingface dataset:
we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure
My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. 

The new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. 

We 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. 

To date, we 've received no respond at all from Green Tree on this issue.
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...
On XXXX XXXX, 2015, we were notified by XXXX XXXX XXXX that after their escrow review our mortgage payment would be decreased from {$2200.00} to {$2000.00} as of XXXX XXXX, 2015. In XXXX, our mortgage was transferred to Carrington Mortgage Services. After not receiving any documents on how to pay your company starting XXXX XXXX, 2015, I called customer service and found out that we would still have to pay the amount of {$2200.00} until a new escrow analysis was run and was told that would take approximately XXXX days. I called today, XXXX XXXX, and was told that the the analysis was completed but our payment would be increased to {$2200.00}. I was told that I would receive the documents in the mail explaining why but wish to address this now. 
Based on my current tax and homeowner 's insurance bills plus the MIP payment, our escrow payment should be {$790.00} a month, which is less than the {$790.00} XXXX XXXX XXXX calculated in XXXX. I have included with this fax copies of our current insurance and tax bills plus the escrow report run by XXXX XXXX XXXX to show how I calculated these amounts. I would like an additional analysis run on our account with the correct information and for us to pay the correct lower amount as told to us by XXXX XXXX XXXX.
I went to XXXX in XXXX XXXX. XXXX location to be exact. After the for profit school manipulated me on getting a XXXX XXXX degree and promised employment soon after graduation. I shortly realized it was a lie. Now I 'm stuck with this huge federal loan, while all of the XXXX closed down due to a lawsuit. Now I 'm trying to plea with navient that my college closed down, and that the degree is useless / not creditable. They did not care at all and forced me to pay Make payment on my loan that has high interest. I need help to resolve this XXXX. I emailed my complaint to XXXXXXXXXXXX for help. Hopefully they can discharge my loan because my degree is worthless and because my for profit college lost a lawsuit.
On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX XXXX XXXX/XXXX
While checking activity on my credit report with Experian I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" XXXX. XXXX makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, XXXX XXXX renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " XXXX '' ), or limited liability partnership ( an " XXXX '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, XXXX, or XXXX, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. XXXX XXXX ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. XXXX ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as XXXX and XXXX. How can XXXX XXXX XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX XXXX XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.
My car was financed through Capital One Auto Finance and in XX/XX/XXXX, following a car accident, was determined to be a total loss and my auto insurance issued payment to Capital One in XX/XX/XXXX. After the total loss payment had been made I still had a remaining balance on my loan. My account access was removed from online payment and automated payments because it was no longer an active account, so each month I had to contact customer service to make payment. My last payment was to be made on Saturday, XX/XX/XXXX. I called both customer service lines and both lines stated Capital One offices are closed and disconnected. I checked the web page to see if their offices were closed and seen nothing posted other than their business days and hours listed ; this includes Saturdays. I was finally able to submit my payment on XX/XX/XXXX, paying off my account and receiving my title. Mid XX/XX/XXXX, I received an email alert from XXXX stating there was a deragatory remark made to my credit report. When checking XXXX I seen that Capital One had reported my account as a charge off. I called Capital One customer service and explained that I had attempted twice to make payment on the XXXX and called both customer service lines in order to do so before their prompt stated the offices were closed and disconnecting. I had also contacted XXXX precious to calling Capital One on the XXXX and had no issue with speaking with them and making a payment, so I had no reason to believe or expect this to be a holiday. The rep stated that I had until the XXXX to make payment and I hadnt until the XXXX so the remark would likely not be removed. I then asked to file a dispute and for a way to submit my supporting documents. After being given a fax number that wasnt a working fax line, I used the fax line number listed on the Capital One web page. I received a letter stating that the remark would remain and payment was made after the payment date. I then mailed in my supporting docs and dispute information. I again received a letter stating the remark would not be removed. I had made several payments on saturdays previous to this and the rep would not answer if the office was closed on the XXXX. I had no other way of making my payment and yet I was being reported as a deragatory account when all efforts were made to pay off the account in time.
1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.
I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing me.
I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.
As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have been Paying Capital One the # {$3500.00} I owed. To date I have paid {$3400.00} But has tow situations happen : ( 1 ) my XXXX daughter hospitalized ; and ( 2 ) I was hospitalized for XXXX. I am a XXXX and these XXXX  ( 2 ) were quite serious.

I wound up having to have XXXX  to correct this problem.

In addition, I was denied XXXX XXXX to pay off the debt because of an impending strike with my employer. I received a letter of garnishment from my employer on or about XX/XX/2018, ( a month before my indebtedness ended ), XXXX XXXX University 's Payroll office. The attorney 's who filed XXXX XXXX XXXX XXXX XXXX for Capital One. Attached to this letter from the attorney 's for Capital One was a form for me to complete to ask for a court hearing, to dispute the situation. I filed with XXXX Municipal Court Civil Complaint to dispute the claim and received a court date of XX/XX/2018, since I had just given a payment. I showed up, but they did not. The magistrate ( judge ) told me that I should keep up with the case, since there was nothing she could do. I did. I went to XXXX XXXX XXXX, who I was making my payments through to call the attorney 's as suggested by the judge.

My credit counselor and I waited on a telephone line for almost an hour for someone to pick up and discuss this with us. We never heard from them. I only had an hour appointment. The credit counselor said she would call me if she got a call back. She did not get a call back, so she did not call me.

At XXXX XXXX on XX/XX/2018, in the mail, I received a letter and affidavit saying that they had filed to the court in writing. I called the XXXX   Municipal Court and was told, I could re-file an dispute claim, once took a payment was taken from my check. However, there was nothing the court could do until this happened.

Then, I called the payroll office to see how much money would be taken. I found out it would be 25 % or {$1400.00} from check, which will leave me without enough to pay bills. I am paid once a month. I am concerned, because the numbers of indebtedness is adding up along with court costs.

XXXX State University payroll office says I them {$1600.00}, XXXX XXXX has chronicled payments of {$3400.00}, and Capital One had added another {$1300.00}, plus court costs. I should only owe may {$200.00} or whatever is equal to {$3500.00} not an additional {$1600.00}, and court costs.

I received countless letter for XXXX XXXX XXXX  even when I made timely payments, despite problems I had in the summer of XX/XX/2018-explained above.

I asking that the garnishment be dropped beforeXX/XX/2018 before XXXX XXXX  and I be allowed to pay the balance through XXXX XXXX XXXX I will make the payment on XX/XX/2018. We all have life a crises, but I have tried to make this up and XXXX XXXX XXXX have paid additional money with credits I have had with them to keep me up to date.
XXXX XXXX XXXX of XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX : ( XXXX ) XXXX, received my account, # XXXX from a XXXX, XXXX XXXX XXXX XXXX for services rendered. After making several payments I fell behind and debt was referred to Quantum Collections for collection. Quantum received my account from them in XX/2015 The amount of that debt was originally approx {$1200.00}. Quantum Collections never attempted to provide any written documentation to me and has been adding fees and interest since this time. I only found out about this debt with the collection agency after checking my credit report. After continuing to monitor my credit report, I realized that Quantum has been increasing my debt owed monthly. My current balance with Quantum Collections is {$1400.00} At no time did I ever sign or verbally agree to any interest either with XXXX XXXX or Quantum Collections, nor did they provide any documentation to me detailing an agreement, or their receipt of my debt.
Experian is refusing to even investigate or to remove old dated information off my credit report. I have XXXX accounts which should have already been removed from my credit report. XXXX XXXX XXXX date of first delinquency was XXXX 2010. And XXXX XXXX XXXX date of First delequency was XXXX 2010. Both these accounts should have aged off my credit report.
My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in XX/XX/XXXX but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.
I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.
I received a collection notice from a collection agency on XX/XX/18 from Louisiana Recovery Services Inc. stating that I owed a bill for {$75.00} originally from XXXX XXXX XXXX  XXXX. I immediately called the original creditor to inform them that I never received any bills from them stating that I owed a balance and also stated that I paid what was owed at each visit. I was told them that I only received the collection notice from collection agency. All of my information was verified and it was all correct. They then proceeded to tell me that they sent me 4 bills on XXXX & XX/XX/18 and that they were ignored.I again told them that I had never received any bills from them and I asked them to email me the bills that they so called mailed to me.I received the bills and immediately had questions other than not understanding why I had not received any of the bills in the mail nor received any phone calls from them.I called them back to reiterate that I didn't receive any of them and also asked why the 1st bill that they supposedly sent out showed a balance forward of {$120.00} and it also shows a 90 day delinquency as if they had sent out prior bills 3mos ago.She couldn't explain it and told me that the lady that worked there at the time no longer worked there and that I should ignore the questions that I was raising because the billing specifics are sometimes inaccurate.I was told that it was owed and that was it.I have impeccable credit and would have paid it had it been sent.They expect to tell me and make me believe that I received bills that I know I did not receive, that I should ignore the questions that I have about the bills and just pay it.