WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to get my life back on track after my husband fell ill, lost XXXX jobs and was diagnosed with XXXX XXXX. In XX/XX/XXXX/XX/XX/XXXX we fell behind on our mortgage payments. We purchased the house in XX/XX/XXXX and had NEVER missed a payment. It took a few years to get a diagnosis, all without health insurance. Now he is on XXXX and we are divorced. I want to keep the house. I applied for a modification. The loan was with XXXX, the trial modification was approved, I made all payments on time, then XXXX sold the servicing rights to Nationstar, right before the loan was permanently modified. The original terms of the mortgage were 15 year fixed at 5.875 % from XX/XX/XXXX ( when we refinanced ). At that time my payment was about $ XXXX/month including principle, interest, insurance and taxes. The trial modification had me paying $ XXXX/month, which I am now able to afford. Nationstar just sent me the terms of the new, modified loan. The interest rate is 5.675 % and the duration was extended to 20 years. I understand these terms are more favorable to the bank, but I was shocked when I saw this. I looked up the current mortgage rates on yahoo finance. Today, the 30 year fixed is at 3.73 % and the 15 year fixed is at 2.83 %. I wonder how many banks today wrote a mortgage for 5.675 %? For 20 years? I 'm guessing not too many. I would like to know why I am being forced into these very unfavorable terms. I have to sign this new closing before XXXX XXXX. Nationstar appears to be taking advantage of a homeowner that is in a desperate situation and wants very much to keep their home that they have been living in for over 16 years. I called my point of contact, XXXX XXXX, at XXXX, I left a long message. He never called back. I am also hoping to modify my HELOC. If Nationstar forces these unfavorable terms on me, the chances of me refinancing my HELOC drop significantly. The HELOC is owned by XXXX. If they do not think I can afford both the primary and the HELOC they will not offer me a modification of the HELOC. They will proceed with the foreclosure ( summary judgement has already been filed by their counsel ). XXXX will foreclose on the house and then we all lose. This scenario is being played out over and over again, in my neighborhood, all over XXXX, all over the state of Florida and all across the country. Is this the greed of the big banks preventing desperate homeowners from keeping their homes? Or is it the fact that the big banks are giant companies that ca n't seem to get anything right-there is not one person that can take responsibility for facilitating the fair and rational solution to problems like mine. There is not one person that can be held accountable. No one that truly has decision making authority has any contact with someone in my situation so it is perceived as though they really just do n't care what happens, as long as they get paid. I am asking for help to get Nationstar to reevaluate this unfair mortgage. Please look at todays mortgage rates and tell me if this makes sense. Thank you.
I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.
I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX
P & L Acquisitions sent me a letter dated XXXX XXXX, 2015 saying that I owed over {$4000.00} for a credit card that had been charged off over 5 years ago. The orignal balance was {$750.00}. The statute of limitations has long passed in XXXX ( the location of the credit card company ) and XXXX ( the state I reside in ). I have sent a letter to the agency stating so and that they are no longer able to legally collect on this debt. I have received XXXX letters and numerous phone calls about this debt. In the most recent letter, I have been threatened with legal action if I do not pay the debt in full within 30 days. I am waiting to hear back from P & L Acquisitions.
I do not remember this account and I have been writing Experian to gather why they are reporting this account and they have yet to provide a response. The just send me a credit report but no additional information.

I have been trying to get to the bottom of this account and see whats happening with my credit. The only bureau reporting is Experian and I have attached an image showing this.

Why is Experian showing an account that I don't know of and ignoring my investigation requests. I need help with CFPB to obtain the procedure that Experian followed to legally protect my consumer rights. 

I requested to be provided with a description of the specific procedures followed by you, including the name, address and telephone number, of who you contacted in order to verify the information that I had previously disputed previously and that you responded had been verified. 

This procedural request is made pursuant to FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and is sent via CFPB for tracking and legal enforcement.

Pursuant to FCRA, Section 611 ( a ) ( 7 ), Experian is required to provide that description and specific information to me no later than 15 days of my request.

They have already failed to provide me with the lawfully requested description and information within the timeframes specified by the FCRA and obviously must not have received the adequate proof as verification from the creditors that would have allowed you to verify the disputed information.

Therefore, please delete from my consumer file, and this time I am not requesting a reinvestigation, I am requesting deletion of these items, as required by the FCRA.

Also please have Experian provide me with a new copy of my consumer file, reflecting these deletions, to the above-listed address within the next 15 days.
My student loan was recently transferred to XXXX XXXX. XXXX XXXX   does not have a single method of payment that doesn't incur an additional fee. The cheapest option is a {$0.00} additional fee. 

The act of paying my loan costs additional money beyond the actual loan itself .... This can not be legal.
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
I've had this car with Chase Auto Loan since XXXX. The day I walked off the lot with a XXXX XXXX XXXX my Balance was {$20000.00}. Today after 3 years of paying {$420.00} x25 my balance is {$19000.00}. I have given Chase Auto Loan {$10000.00} out of my pocket for this car in which they stated each and every payment I made they consider it to be late!! I was told that my payment due date is the XXXX of every month. I broke my payments down twice a month in the amounts of {$220.00} and {$230.00} that I paid every XXXX and XXXX of the month. They ( Chase Auto ) told me this is incorrect and my payment doesn't reach them on time. Chase denied me access to making payment directly to them, stating they no longer take debit card payment and because I'm not a regular chase customer ( meaning I don't have a checking or savings account with chase ) I can't set up to pay at a chase branch directly nor can I set up an online account and pay directly on their website. The only option and way I can pay my auto loan with chase auto were from my online XXXX  XXXX XXXX direct bill pay account. So a payment that comes out of my account from XXXX online bill pay with a date of the XXXX wasn't considered on time because Chase goes by the date they actually received the payment in hand with can take up too 7-14 business days from the date the payment was processed ( once again on the XXXX and XXXX of each month ). I called Chase Auto and I gave them a piece of my mind and I felt I had every right to get nasty on the call. WRONG move on my end because the next day they repoed my car and now they're refusing to give it back to me! I was told I have to flat out buy the car at {$19000.00}! after 3 years of giving them {$10000.00} of my money!!! If someone can help me, please help. I'm a single father of  XXXX XXXX  that I care for on m own. My car has over 61,000 miles on it because I'm driving them all over the world for school, sports and just for fun. It's so hard being a single father without their mom alive. Please God Please someone help!
I noticed the debt on my credit report and disputes with the credit bureau. The credit bureau stated the company verified the debt. I again disputed the debt as unknown and I received the same results. I contacted the company that's stating I owe the debt to inform of invalid account and they sent a letter showing a statement in my name. I again called and asked for proof that I signed up for that debt and I also asked for proof of a document showing they had the right to collect it and that they own it other than showing me a statement. The company sent the statement copy and nothing else. I then sent a certified letter stating the company had 10 days after receipt to provide me proof of my signage of this invalid account and proof of owning docs for this particular debt andnif not, they need to delete it ... and once again, the company provided me with their company letter showing the name of company owed which was not proof.
I contacted Caliber Home Loans last week & asked them to send me a copy of my original mortgage note. Upon my 1st call on XXXX/XXXX/16, I was told that it would take a month to be received. I spoke to my legal council, was told that I was provided false information, & encouraged to call them to escalate the concern. By XXXX/XXXX/16, I had a manager on the phone who tried telling me the same month time frame, but I shared with her the statues & laws they were breaking by not providing me a copy of my mortgage note upon my immediate request. Notes were then made on my account that I would finally receive my mortgage note by tonight ( XXXX/XXXX/16 ). Needless to say, I still did n't receive my info & as such, I escalated my concern with Caliber to XXXX, badge number XXXX, & was told that " no one '' knew why I did n't have my mortgage note by now. He then told me that I could have it faxed to me & in reply I said that the manager from last week told me that Caliber COULD N'T send me a fax -- another company contradiction. XXXX could n't provide an explanation for this & he has yet to send me a fax copy of my mortgage note. 

Caliber Home Loans ' inability to provide me a mortgage note in a timely manner, per their advisements, is negatively impacting my ability to do a refinance on my home. And if I am not able to complete my refinance as scheduled, I intent on holding Caliber responsible, legally & monetarily, to the fullest extent that local, state, & federal laws will allow.
I had inquiries on my credit report XXXX removed them cant get any help from XXXX and XXXX
I applied for a payday loan XX/XX/2012 and I did n't pay on it. It took about 2 and a half years for the debt collectors to start not only harassing me but my family as well. They have been very vulgar and very threatening trying anyway possible to get there funds. It 's gone through multiple debt collectors. It comes and goes away for a while. The latest one is they 're going to serve me because I am being sued. Another one is they had called my mom and told her that I 'm being sued for writing bad checks. My Mom is stressed out and so am I with these debt collectors.
Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.
I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.
On XX/XX/XXXX, I filed a CFPB complaint against Equifax because two months had passed since I requested an investigation, and they had not responded yet. Equifax responded to the CFPB complaint on XX/XX/XXXX, and said : " Equifax has reviewed the complaint and its records. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumers current address utilizing our normal dispute process. '' As of today ( XX/XX/XXXX ), I still have not received anything from Equifax. We 're almost at four months now since my initial request and all I get from Equifax is excuses and obfuscation.
The finance institution, TD Auto Finance, said I was late 24 months out of 72. Based on the records they sent I had XXXX double payments starting with XXXX XXXX, 2008. XXXX payments were sent and they charged interest on both payments. In the double payment months only XXXX payment should have been charged interest and the total second payment should have been applied to the principal. To get the pink slip for payoff to release the car, they said I owed XXXX ( XXXX in interest, XXXX for late charges ad XXXX attorney fees ). According to their paper work the loan was off in advance. The have overcharged me the XXXX in interest and three months payment.
I purchased a phone from XXXX XXXX XXXX  on XX/XX/2018 for {$730.00}. On XX/XX/XXXX the phone quit working and was blacklisted as it was reported lost or stolen. The phone i bought was brand new and I'm supposed to be the only owner and I didn't report it lost or stolen. XXXX XXXX XXXX wouldn't do anything to help me. I filed a police report at my local police department. The police report id is XXXX. I paid a lot of money for this phone and i can't use it. XXXX XXXX XXXX  either lied about item being new or has reported it for insurance claim or something. Went to huntington bank as soon as i could to dispute the charge and they denied my dispute due to age of item disputed.
Chase sent me a misleading pre-approval letter stating that I have been offered with a Chase Sapphire credit card. There is nothing on the letter suggests that it is a advertisement and I may be disapproved. It stated it was an offer, and an offer is a contractual binding if both parties agreed on it. Therefore, I went ahead and provided them my information. It ended up Chase 's lending team disapproved my credit card despite the fact that I was pre-approved. I think what Chase 's credit lending team did is misleading, deceptive, and it create monetary damage on consumer ( I wasted my hard inquiry ). I believe Chase 's credit lending team violated UDAAP Act.
I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.
On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.
My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )
Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.
I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
XXXX   is reporting  XXXX   XXXX  as a duplicate account already paid and closed.
I am getting hit with interest like crazy, especially once Navient took over. I have a repayment plan set up but, I am getting hit with interest higher than my payments and late payments being added even though I am making on-time monthly payments. This is affecting my credit score and any chance of ever getting any credit established because my credit keeps looking worse due to late payments, even though I am paying, and the extreme balances that have ballooned and still increasing every month. This has become a very stressful situation.