WillisBack/dataset-financial-user-claim huggingface dataset:
My house loan was sold to another loan place in XXXX of XXXX from XXXX to Allied Servicing Corporation. My house taxes became due in XXXX XXXX, I had no idea they were not paid until i received a letter in the mail from XXXX XXXX clerk office in XXXX stating that they needed paid by XXXX XXXX to prevent my name from being in the paper, so I called Allied and asked them about it they kept giving me the run around on the situation I then talked to a XXXX XXXX on the XXXX of XXXX and she said she got it straightened out with XXXX which is the girl who takes care of the escrow stuff XXXX XXXX said that they were being paid that day, well I called back on the XXXX to double check and XXXX XXXX told me that they were being paid, I then called the XXXX XXXX office on XXXX XXXX just to make sure that they were paid well they told me that they had not been paid yet so I called Allied back and once again I talked to XXXX XXXX she then told me that they were not paid and they would not be paid because I was negative in my escrow account I preceded to ask her why they were not paid and why she told me on the XXXX and XXXX that they were going to be paid well she would n't give me an answer she was very rude and then she said I am hanging the phone up and the phone went dead, I tried for an hour to call back they would n't answer so i called back on my cell and XXXX XXXX answered and I asked to speak with a manager and she said there was not one available and she hung up. I do n't understand why they are n't paid and then they could do an escrow analysis to make up the difference. Would you please help me with this situation because Allied wont talk to me. Allied number is XXXX My account number is XXXX my name is XXXX XXXX Thank You so much
XXXX XXXX XXXX NEEDS TO SEND ALL DOCUMENTS TO THE COURTHOUSE IN RESPONSE TO THE SUBPOENA SENT TO THEM.
I have a XXXX mortgage with XXXX or XXXX and Ditech is the servicer of the loan. According to HAMP website, XXXX, XXXX, and Ditech website, if you have a XXXX mortgage that was modified ( my XXXX mortgage is with XXXX and was modified in 2011 ), then your XXXX mortgage will be modified. However, I called Ditech and they said that they do n't offered XXXX modification only if my XXXX and XXXX mortgage is with them. They refuse to look in to the matter or my case. Therefore, I want to file a formal complaint against Ditech and XXXX for not servicing my loan properly and by government compliance.
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXXXXXX and after reviewing my credit reports provided by the XXXX, XXXX and Transunion, account, XXXXXXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to XXXX. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity.
Transunion is continuing to report XXXX accounts have been recently deleted due to no/cancelled contract. Disputed via phone as well as fax and online. 

1. XXXX # XXXX 2. XXXX # XXXX
have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.
Recently acquired information pertaining to USA Discounters utilizing unlawful practice with loans. I had a XXXX loan with this company in which I have paid off over a 4 year time span. It is to my understanding that USA Discounters are to provide full restitution for the time period of my loan. I also was XXXX for a year of my loan and also was not granted the decrease of percentage. I have attached the article for reference. 

XXXX
we received multiple bills from several hospital stays that were not itemized so we could match them to XXXX from the insurance company. we requested itemized bills to be sent. 
by this time, the debt was turned over to collections and we were still unable to match the bills with the XXXX 's. 
we called the collection company and asked for the amount we owed and paid it. 
my credit report still reflects that we still owe the debt and the debt collector refuses to remove it. 
we have proof from the bank that we paid the debt and the collections company has a record of the call when we paid it.
I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.
2nd complaint regarding payment processing and billing of XXXX I entered into a rehabilitation agreement on or around XX/XX/2015.. ( can't remember the exact date ) ... but it is recorded. I called XXXX customer service representative and explained that I was having an economic hardship. She set me up with a rehab of {$25.00} per month at that time my loan was 30 days delinquent and the owed balance was {$220.00}. This was not reporting to the credit bureaus. The money was coming out of my checking account on time every month. 
This operator did not inform me the payment amount was insufficient and fees would continue to compound as the time passed. I didn't receive any notification from XXXX regarding the operator error. I rarely received bills from them at all. 
Recently ( a few days ago ) I spoke to a team lead name XXXX, who informed me this representative was not supposed to authorize or set up this type of agreement and she has since been fired. Again no one called me to correct the rehab agreement mistake yet the company allowed the fees, interest and service charges to pile up over the years. 
The mere fact that the operator was fired, shows how common mistakes are made with XXXX regarding processing our Federal loans. These mistakes are devastating to us the consumers because they affect our credit score with negative reporting.
I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.
I refinanced my house in XX/XX/XXXX. When we did, our mortgage broker used SunTrust Mortgage. The mortgage, which was a traditional 30-year fixed rate mortgage, did not allow us to get traditional coupons or monthly statements, and instead required an online payment. We visited a SunTrust to set up the process so that we could make payments to the mortgage electronically when we wanted because we did not want to transfer all of our existing banking to SunTrust bank. The XXXX, MD branch of SunTrust helped us, and apparently - although now we have come to understand they did not providing us all the information - set up an account to permit that XXXX XXXX XXXX banking ). I have come to learn in the past few weeks that the account requires a balance of {$10000.00} to avoid fees, or a mortgage with auto pay. Since we had the latter it was set up. It was not explained that how the account worked because the bank was focused on the mortgage and the refinance, not the bank account. All online accounts were via the mortgage account. There was never any communication from SunTrust about this bank account because it was simply to pay the mortgage. We checked mortgage information and such through the online portal. There was no link to the checking account that we knew about. There was always a buffer of several hundred dollars in the account. When we sold the house and moved in XXXX, we opened a mortgage with another bank. Suntrust, without any warning, email, phone calls, or any follow ups began charging $ XXXX. They continue to do so to this day, saying they gave notice in the account materials to open the online accounts. The internal regulations and procedures mean that we are liable for the deducted $ XXXX fees. They have been unwilling to refund them, though the branch I visited to get this appeal process within the bank started called the process shameless and gave me as much as they could. I filed an appeal. I was given {$34.00}. The branch ( which was the branch that gave me all the documents on the now grandfathered account type XXXX had refunded {$68.00}. The total charged was {$660.00}. I would like to get all the fees back, but the bank has been unapologetic for their approach, even though the mortgage portal and banking portal were not the same website. I have never worked with any bank - large or small- that simply does not follow up in any way when those types of circumstances change. I closed the mortgage, I still have a credit card ( though not for long ). In any event, the bank was clearly deceptive in how in how it approached the situation. It could have followed up. But they say they never follow up unless there is fraud. I highly doubt that - my other bank ( which is a similar commercial bank ) does. I do not know if the problem was in the branch or the corporate - but I should not be the one who bears the cost of their incompetence.
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX to present, there have been repeated attempts through XXXX to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an XXXX Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither XXXX or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both XXXX and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or XXXX I should be sent notification that another attempted occurred, no action needed, and they have me protected. This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't XXXX or Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by XXXX  and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with XXXX Chase, and if I was not calling every week to close out new requests that one would have been issued. 

Update XX/XX/XXXX I now have over 20 applications and Chase/XXXX has yet to improve their process and I am required to call in every time, file a fraud alert, and they have yet to improve their process to detect these fraudulent applications. I should not be held hostage to their lack of investment in fraud detection and their excuses around inability to prevent an application. They should react both to my fraud alerts and have a special flag for my account based on over 20+ fraudulent attempts.
Has contacted myself and has left threatening messages. Has also contacted family members and have left the same threatening messages with them.
I have contacted the XXXX  and Transunion and requested they immediatly remove fraudulent, incorrect debt collection from my report that is in no way related to me, or my household. The debt is for a XXXX hospital I have never visited, and have no knowledge of. The debt is posted by XXXX from XXXX, California. I asked them to revove the informaiton immediately and they remove, then repost repeatedly. Please help me.
On XX/XX/XXXX, I received a letter from Roth Morgan about a debt balance I had of {$330.00} from XXXX XXXX from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called Roth Morgan XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from XXXX XXXX and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid Roth Morgan {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from XXXX XXXX and paid {$250.00} on XX/XX/XXXX, the exact amount Roth Morgan was looking for. This is when I knew I was scammed.
i got the information from my XXXX that showed experian will not provide the info on my credit score report.
On XX/XX/XXXX Bank of America sent me an unsolicited credit card with a credit limit of {$5000.00}, based on my credit score of XXXX.I also received a letter dated XX/XX/XXXX stating I was approved. I accepted the credit offer, and on XX/XX/XXXX, I made a purchase to my card for {$4400.00}. The following month XX/XX/XXXX I attempted to make an additional charge for {$500.00} and was declined because the bank said my account was closed. 
Meanwhile, I called Bank of America because I was unable to initiate on-line sign-in so I could make payments on line. A representative named XXXX helped me sign in, gave me some valuable information on how to take advantage of cash rewards, points at the pump, XXXX XXXX XXXX, etc. Subsequently, Bank of America sent me a letter stating they did a review of my account and decided to close the account ; The letter was back-dated to XX/XX/XXXX, but I received the letter after XX/XX/XXXX. I was placed on E-statements without my approval, and when I finally received a paper statement in the mail, the statement said my account was placed on restriction. I called Bank of America several times for explanation, and every representative I spoke with said my account was reported as a " FRAUD ''. Bank of America never tried to contact me to investigate the nature of my credit ; they never told me about a restriction, and I never authorized them to check my credit files, after I received the approval letter. Bank of America will not allow me to make charges to my card because they closed the account based on incorrect information that my account is " FRAUD ''. I made all monthly payments on time, and the account has a XXXX balance.
On XX/XX/2018, Netspend disbursed interest into the Savings account, but then Netspend promptly withheld some of the interest income claiming that I am subject to backup withholding. I am not subject to backup withholding for the following reasons : Netspend has my correct social security number, I'm a US citizen, and I have not received any notice from the I.R.S. that I am subject to backup withholding.
On XX/XX/XXXX I sent letters out to XXXX Transunion and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. Transunion and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX.  I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment.
I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX/XXXX ( XXXX ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX XXXX XXXX- I have one account not ten XXXX XXXXl accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.
I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.
Completed a Loan Modification on a mortgage and have been paying the mortgage payments consistently since XX/XX/XXXX. It was my understanding that after the modification was completed that the loan would be recorded on the three credit repositories. Note, a BK XXXX occurred, the loan was included in the BK XXXX, with the request to reaffirm the mortgage since the modification was approved and the trial period was successful. To date, the mortgage is being paid on time every month. It is unfair that these mortgage payments are not being reported to any of the credit repositories, evidencing the payment history. I would like to have these payments commencing from XX/XX/XXXX to present to be recorded with the three credit repositories. The modification process required me to execute an additional mortgage and promissory note, which was recorded at the county level so why then is this information not being carried over to the credit repositories? Any assistance you may offer would be greatly appreciated. 
The attachments supplied to this complaint show the modification balance, the payments made since the loan modification up through XX/XX/XXXX with the new escrow balance being required. ( Note : WF Paid outstanding water liens on the property which were missed during the modification closing - in order to clear them, I requested that payment is made to the City so that everything was clear from the property ) An increased payment will commence in XX/XX/XXXX. 

Thank you for your efforts in advance and I do hope that this matter may be resolved quickly.
My loan was recently paid off. However the mortgage lender did not refund all the monies in escrow. They held back {$1800.00} with no reasons cited. I was current on my home insurance and property taxes were paid during closing of the loan.