WillisBack/dataset-financial-user-claim huggingface dataset:
This account is being reported as XXXX days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/2009. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/2009. You can clearly see on the attached info from Equifax that the payment status switched to XXXX in XX/XX/2009. This account went into default and was transferred to XXXX XXXX Higher Education. This does not constitute a payment and this account is being reported past the XXXX year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.
I didnt receive any notification or verification they told me they didnt even have the information on me to verify its me debt
I am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!
Portfolio Recovery Associates is currently reporting a debt of {$620.00} on behalf of XXXX. XXXX has recently deleted the account from my credit report as of XXXX XXXX, XXXX after the first original 30 day delinquency was reported in XXXX XXXX and was never brought current during the 7 year period. Portfolio has contacted my former employer and myself after being advised not to. I have disputed this account with XXXX and I was informed that Portfolio continues to re-age the account which would allow them to report inaccurate information until XXXX XXXX. Under the Fair Reporting laws, Portfolio can not re-age the account and must list the original delinquency date of XXXX XXXX just as XXXX did before they stopped reporting. I have spoken with representatives at Portfolio regarding their reporting as well as reported them to the XXXX. Portfolio is within violation of the law and they are not allowed to report accounts after the seven year deadline. I have also had this information confirmed directly from XXXX therefore there is no reason for Portfolio to continue with their illegal practices.
I feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.
My monthly mortgage payment has been the same for the over 4 years since closing, ( with a variation of plus or minus {$20.00} at the most, due to insurance/taxes variations ). Since closing on the home, the mortgage has been transferred to several different companies, without me doing anything, which I understand is normal. Again- throughout the entire 4 + years, my monthly payment dues have been relatively consistent. 
XX/XX/XXXX, Wells Fargo acquired my loan from a company called XXXX XXXX. It is now XX/XX/XXXX. Up until now ( XX/XX/XXXX ), my monthly payment requirement has not changed. Upon going online to pay my payment for the month of XX/XX/XXXX, the amount due has now increased ~ {$150.00} EACH MONTH!!! After numerous  calls to Wells Fargo, to attempt to resolve the issue, I have been instructed to just pay it and they will " review '' my account ... Their explanation is they have decided that they need 2 + months " cushion '' in my escrow account ... ( why now, why all of a sudden? ) ... at this rate, this provides them with roughly {$1800.00} per year " cushion '' in addition to what has worked fine for over four years ... NONE of the previous mortgage companies that have held my mortgage have ever required this, nor had an issue with the monthly amount paid. Wells Fargo could have easily, and should have done some kind of assessment of the account NINE MONTHS AGO when they acquired the account from the previous company, and notified me of their issue then-not just out of the blue increase my payments unjustifiably almost a year later!!! I checked and verified increases in my homeowners insurance/flood, and taxes have only increased approx {$160.00} ( homeowners ) {$30.00} ( flood ) {$20.00} ( tax ) = $ XXXX/year. That's only an increase of ~ {$18.00} per month, NOT ~ {$150.00}!!! 
When someone purchases a house, car, or other major expense, they purchase according to their budget. With an additional ~ {$150.00} per month expense, this is NOT part of the original budgeted amount for a mortgage payment. In my opinion, Wells Fargo is attempting to regain funds lost in their recent lawsuits and frauds. Literally blindsiding families on a fixed budget with a SUBSTANTIAL monthly increase will not only lead to late fees, but foreclosures ... .This company needs to be put out of business for this latest unethical tactic. Please help!!!!
On XX/XX/XXXX I received an email saying, Thank You for your payment of {$1400.00} for acct # XXXX. ( this is not my acct # ) I immediately logged into my acct # XXXX, and changed my password and deleted the pending payment from my bank acct. I kept an eye on both accts to make sure it did not go thru. then I get an email saying my new card has shipped, and I was charged {$16.00} for it. then I noticed my account has been " restricted ''. I then called Capital One Customer Service she was of no help, she just kept telling me I need to call their fraud dept. and she gave me another number to call for their fraud department. They too, were of no help. he refused to tell me anything except that there is some fraud activity and they are sending me a new card. I said I have the right to know what is going on and I should not be charged for a new card. and he just kept saying there is fraudulent activity on my acct. to this day, XX/XX/XXXX, I still do not have any new card and I am still making online payments but it is to acct # XXXX, not the card I have in my wallet # XXXX. I am asking for help in this matter. I am making my payments to an account that I do not have a card for. they changed my account # without my permission. I don't know how to fix this. I also need a credit of {$16.00} to my acct and remove the restriction from it with an explanation of what kind of fraud activity they found.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
OnXX/XX/XXXXI was informed that Equifax experienced a large data breach, and was able to confirm that my data was included in the breach.
On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.
Good morning, My name is XXXX XXXX and I am XXXX XXXX 's fiance. We're filing this complaint, today, because there are a number of very serious issues with the loan modification that was done for us by Nationstar Mortgage - now Mr. Cooper. 



We purchased our home in XX/XX/XXXX and refinanced in XX/XX/XXXX. At the time when we refinanced, we paid {$150000.00}. We were doing fine, until XX/XX/XXXX when a series of unfortunate happenings occurred. Nationstar was happy to assist us and the attached paperwork is the result of their work. 



As you can see, in the modification documents, the POST modification Principal Balance amount is {$190000.00}. they took all of our past due payments, the interest, late fees and legal fees and simply added them to the principal balance. This put us at roughly 150 % loan to value. Which, is against Federal and HAMP guidelines. 



I'd like to ask you to look further at the documents and you'll see that this is 'titled ' as a HAMP Modification. However, when I spoke with a representative at Mr. Cooper, on the XXXX, we were informed that our modification was, indeed an in-house Tier 2 modification. These are some very alarming and disturbing issues. 



The current value of our home is roughly {$120000.00} and Mr. Cooper is refusing to assist us, as my fiance has been on standby from his construction work since last XX/XX/XXXX. He's about to go back to work next week and we have more than enough disposable income to resolve this issue and get back to the good faith payments. 



We're asking that you assist us with resolving this matter amicably and to the best of our interest. What we're looking for is a proper loan modification - with the past due payments recapitalized into the remaining 37 years of the note, as well as, a Current Market Value appraisal of our home, so we will be paying a fair market value. 



You can reach out to me at XXXX or my fianc at XXXX who is on the note I'm on title, any time. Thank you and we appreciate your assistance with this matter!
I have received multiple calls from  XXXX   XXXX  (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I ow e Credit Care  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I inf ormed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed t he Time Barr ed that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
I have a private student loan that was originally with XXXX and then was managed by XXXX for a very long time. With XXXX my payments were roughly $ 310/month. I was electively overpaying by $ XXXX/month in an effort to pay the loan off faster. In XX/XX/XXXX my student loan was transferred to Navient from XXXX. At this time I decided I wanted to revert back to my prior standard repayment plan of lower monthly payments. 

I have contacted Navient every 1-2 weeks since XX/XX/XXXX in an effort to make this change. I am always told that my request will take 7-14 days to process and I will receive notification. I have never received notification and repeatedly call for updates and to make the request. It took me 2 months to succeed in Navient calculating my new monthly payment of {$310.00} which took place XX/XX/XXXX. 

Despite the success in obtaining my new monthly payment, my enrollment in autopay has remained locked in at {$1000.00}. Again, multiple calls placed to have Navient update this without any changes taking effect. I was told on multiple occasions to unenroll in autopay so that the system can update. I receive a discount of 0.25 % interest for enrollment in autopay. I have been unable to enroll in autopay for payment of my loans for 3 months because of their inability to reduce the autopayment amount to the new rate of {$310.00} which I was given in XX/XX/XXXX. 

On XX/XX/XXXX I called again to check on the status, but have now learned that despite all of my requests for the autopay to be updated and the prior approval and processing of my reduced payment of {$310.00}, my monthly payments are back at {$1000.00}. Navient is unable to give me explanation as to why my rate has increased and reverted back to the prior rate. I am told that all of my requests are approved, but it may take up to 14 days for processing. However, this is what I have been told for almost 3 months without any changes. 

My next payment is due XX/XX/XXXX and the amount is {$1000.00}, not the reduced amount of {$310.00} that I was told and paid in XX/XX/XXXX. I was told by Navient today ( XX/XX/XXXX ) that my current options are forbearance as my request may not be processed in time or delinquency if I choose to pay less than {$1000.00}. 

I have never missed a payment on any of my student loans and have a nearly perfect credit score. I am very financially responsible, but Navient is making it nearly impossible for me to pay my loans despite all of my best efforts. I do not want to go into forbearance because they can not process my requests in a timely manner, and do not want to be delinquent for being unable to pay the higher amount that they are locking me into ( an amount that only was created by my choice to overpay temporarily ). Additionally, I am now out 3 months of interest at 0.25 % due to Navient 's inability to complete this task and feel that I should be reimbursed. 

I have been very patient with Navient and have spoken to supervisors and even emailed the company 's leadership, but do not feel that my voice is being heard and need someone to advocate for me to help get my issue resolved ... preferably before my next due date of XX/XX/XXXX.
I obtained a payday loan from XXXX XXXX XXXX  in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX  for unfair practices and the item removed immediately.
Purchased, funded and registered American Express Serve ( prepaid ) debit card on XXXX/XXXX/2015. Received permanent card with my name embossed on or about XXXX/XXXX/2015. Attempted to transfer balance electronically and was unable to do so. Spent XXXX minutes on phone with customer service rep.Was told could not locate temporary card number by name. Called back the following day after locating temp card and was told they could not transfer balance to permanent card because I already had a card.After spending XXXX minutes over two days on the phone, requested account be closed and balance refunded. Told have a check in 7 days. Sent demand letter on XXXX/XXXX/2015. Received letter ( no check ) on XX/XX/2015 dated XXXX/XXXX/2015 giving me ten days to respond with requested dox or my case would be closed Responded to request via US Postal Service on XXXX/XXXX/2015
The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -Transunion , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted Transunion and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
SPS Servicing currently services my mortgage. I have lived here for 15 years. On XXXX XXXX, 2016 I became a victim of identity theft. Taxes were filed using my ssn. Fraud report filed. All XXXX credit bureaus put a freeze on my credit. I contacted SPS immediately as I did any/all accounts I pay. I did not want a loan modification. Just wanted to communicate why I fell behind. They refuse to work with me on the mere {$4000.00} I am behind. No option to pay in 1-3 months along with my current mortgage which is very affordable ( {$810.00} ) They have more than enough documentation as to why and how I fell behind. I am victimized twice! My identity was stolen. Bank accounts hacked, had to close them. Sons college loans I had to cancel. It 's rather simple, and they refuse to give me either a 1-3 month agreement to pay the arrearages or a specific date that I had to pay by. This company does not only practice in bad faith, but they lose everything, do n't note any comments in computer, and have discriminated against me. I intend on contacting the list of departments the FTC gave me today as well as the Attorney General office. I am done being the victim, communicating, sending in documents repeatedly pertaining to my identity theft only to have the lost. My salary ( which I have all my XXXX forms clearly indicate that I can easily maintain $ XXXX/month. SPS is playing games, thankfully I caught on very quickly. I will also be starting a web page for other consumers being lied to, not offered modifications, not offered payment plans, being discriminated against ... .the list goes on.
Discover continues to state my balance incorrectly. Please see attachment. 

A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. 
Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.
A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.
The debt collector repeatedly called my work cell and my office giving the last 4 of my social to other employees.
I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX and Experian has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.