WillisBack/dataset-financial-user-claim huggingface dataset:
When we got modification in 2015, during process I lost my job, but my small income was included to modification process. After we received modification, I told SPS that I lost my job and considered to recalculate our payment, but agent told me to either take SPS offer or sell home. We wanted to save our house, and we had tried to pay mortgage every month. 
Our mortgage got behind again about 2~3 months payments this year, and currently I still do not have job because I need to take care of XXXX children, it is not easy for XXXX and woman who is getting old to find a job. My husband has XXXX XXXX on his XXXX and limited mobility, but trying to pay mortgage. So SPS suggested to apply modification again, and I submitted all of documents around XXXX and XXXX and waited for response. SPS kept calling and left agent 's name and phone number almost every day, but they did not leave any detail. I called SPS to find out the result, but when I called in XXXX, they told me that they did not receive some documents which I submitted through email, and bank statements were old which was current when I submitted in XXXX. SPS never give me any update of modification and I only received every day phone call. I was told from a lawyer I found on some website, and he told me that SPS will never work with you to modify our mortgage. I was terrified. I want to keep our house and I don't know what to do with our limited income. Please help us.
I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you
Chase bank has put my account into XXXX XXXX as owed to them when my account had been fraudulently used by someone who had all my info and had made my account negative XXXX dollars On top of taking over 600 dollars Out of my account which makes it total of over 1000 dollars taken fradulently from My checking and saving account and When i had noticed it and reported to Chase they said would investigate and send me a new card. Which they did n't not and closed my account and blamed me for the money taken Without any evidence and supposebly they said I told them my pin was written on the back of my card which is n't true at all I would never ever do such a thing that 's like saying I would put a big Sign in my House pointing were I have hidden my jeweler or cash so when a thief comes into my house he would n't have problem finding it this just redicilous claims by Chase so I asked them For the recording to support there false claim which they still have n't let me Hear it till this day and have caused problems with my credit score and for me Obtaining any checking account at any other bank which is very upsetting. I 'm Demanding they return my money and or either give me a new account with the money in it. Because of Chase now my XXXX has been ruined and this is a big problem for me since I get big paychecks and need to have somewhere to put my money. Chase needs to fix. My issue asap.
There are XXXX inquiries on my credit report from credco which I did n't authorize. I do n't know what credco is or what its for.
have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX  Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX  XXXX  XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX  XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P XXXX 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
I purchased a new vehicle from XXXX XXXX in XXXX PA on XXXX/XXXX/16. When we did the loan information we got the payoff of my vehicle from Honda Financial Services which totaled {$12000.00}. I received a letter from Honda Financial Services on XXXX/XXXX/16 that my account was paid in full and I received a check for {$8.00} due to an over payment. Now on XXXX/XXXX/16 I received a call from Honda saying that my account is owed {$800.00}. They had a system error that caused a payment I made to be put on the system twice. They reversed both payments and now I owe that money. My understanding is that if the account is paid off it should include all payments owed on the vehicle and I no longer have possession of the vehicle. Due to their system having the issue I do n't feel that it is my responsibility to owe this money and I do n't want it to effect my credit.
I recently XXXX from an XXXX program with various loans managed by Navient. Things were bad from the onset remain unresolved. Navient released falsified documents and mailings blatantly lying to me about the start date for my loan repayment. All materials ( which was later confirmed by their " Department of Customer Advocacy '' after I called to complain ) stated that XXXX 2016 was the first month of repayment period, when it was XX/XX/XXXX. Accordingly, I was penalized and of my initial mandatory payment, XXXX % went to the additional interest that accrued - or Navient 's bottom line. I only found this out by meticulously analyzing each loan, payment and recalculating all numbers. In addition, I discovered that this is a relatively well-known, common practice within the firm. A Navient customer service representative confirmed this nefarious tactic during my initial phone call ( that was recorded ). The Navient representative stated that this intentional misinformation is part of their automatic billing and communication system and that he did not personally agree with the firm 's practice. Essentially, they have charged potentially every person with a student loan an additional month of accrued interest over a vast period of time. I had the money available ( and I currently pay well over double my mandatory payments ), but due to purposefully erroneous information I and tens and perhaps XXXX individuals have been cheated for investing in themselves, for getting an education and simply doing what is right. Navient, has not followed up on my complaint as they said they would. I was never given a case number, a call back or even respect during the phone calls. When I called to follow up the company sent me to XXXX additional customer reps that simply asked why I was calling and forwarded me to one wrong department after another ... until they finally forwarded my call to a voicemail box. Since we have no choice which firm handles our loans or form where they originate there is little this message can do to help. If you do have Navienvt, however, be very careful, they should not be trusted - which is incredibly sad for students and our financial institutions as a whole. Unfortunately, there is not a select all option for what is " my issue '' as this clearly qualifies as " trouble with how payments are handled '', " Do n't agree with the fees charged '', " Received bad information about my loan '', and " Having problems with customer service ''. I will simply select one option with the assumption that there are several issues at hand here.
I have been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.
I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.
I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX  is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
See attached letter PDF - with copies of statement, letters, etc. 
++++++++++++++++++ XX/XX/2018 CitiBank Office of the President XXXX XXXX   XXXX XXXX XXXX, SD XXXX Re : Account ending XXXX To Whom It May Concern, I received the attached letter from your Security Operations Service Team dated XX/XX/18, Though it had no specific reference to a dispute, nor a date , nor an amount, I believe it concerns a dispute I filed on my XXXX credit card for a charge : XX/XX/18 MewsSystemPOS Praque CZ {$400.00} See the attached copy of my Statement. 

When I first received this Statement, I immediately filed a dispute, and asked for a credit to my account. 

There were many reasons that I disputed the charge : 1. I did not recognize the vendor - XXXX 2. I have never been in XXXX XXXX 3. I had no memory of making this purchase Ive since learned that your Security Operations Service Team has not been able to identify the vendor except that it is a billing service for the travel industry. They asked me what that was. I said I had no idea. ( please review the recording of the phone call that was made to me from your people ) They have not been able to identify what was sold, nor able to obtain a copy of an invoice ( signed or not ) related to this charge. 

They only knew that the card had been physically swiped. 

Since then, I have learned that another charge/swipe, for a much lesser amount, was made within two ( 2 ) minutes of this one. 

To me, this is proof positive that a double swipe was made! And that this {$400.00} is fraudulent! 

Furthermore, I must point out that the charge is in US Dollars. In the entire month I was in XXXX, every other charge was in the local currency. 


I am extremely upset by the way that CitiBank has handled this matter. 

I have written several letters. 

I have made several phone calls and have had very unsatisfying conversations with CitiBank people who seemed to believe their job was to prove I was in the wrong. 

Their XX/XX/XXXX letter to me with no identification of what matter or incident they were referencing was at best baffling : and perhaps further indicates a very real lack of professional skills and/or competence. 

I once again request that this charge be credited to my account. 

Thanking you, I am XXXX XXXX
I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.
On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.
To Whom It May Concern : A short sale request was submitted in XXXX XXXX to servicer Chase bank. They kept losing documents and after 7 months, we received a short sale approval on XXXX XXXX, XXXX. 
The buyer was tired of waiting so they walked. A second buyer contract was submitted to Chase and Chase decided we needed to start process all over again. Per guidelines established by hmpadmin.com, it clearly states, '' fixed termination date not less than 120 calender days from the effective date of the shortsale notice ''. This means the approved net is good for 120 days on HAFA short sale notice. The correct way of handling the XXXX buyer is creating new approval letter with new buyer name as long as net is equal or higher as original approval. Chase erased all old Equator emails and started a whole new email line so it would show as a new file. This file is out of complaince due to not following their own HAFA Chase XXXX timelines. I have an all cash buyer ready to close in 7 days. All I need is an update approval letter. Please assist me. I have tried everything and no one at Chase will assist me XXXX buyer is hanging by a string. 
Time is of the essence Your assistance is greatly appreciated, XXXX XXXX ( Realtor on behalf of seller )
Settled a   XXXX   XXXX   XXXX   account with  Diversified Consultants. Th ey agreed if I paired settlement offer this would no longer appear on my credit report. This debt was settled on   XXXX   XXXX   XXXX     and it 's still showing on my credit reports as a collection account. This is the only collection account that I have. I have a copy of the letter showing that the debt was settled. I wish that this debt will be removed from my report.
On the phone on hold with Experian again now, first rep name XXXX advised him addresses on my credit report I have never lived at told him I am a victim of identity theft he said accounts are attached to multiple accounts on my credit report, party gave the information which are all fraud accounts in which they have received a theft report. I told the rep again I have never lived at the address on file at XXXX XXXX XXXX and was told I need to contact the fraudulent creditors on my report he refused to remove this address, this is a huge problem! I can't verify a address I didn't live at.. I need this address removed asap this could cause another breech with my personal information. I also need the information from Experian they are using to verify this fraudulent address they are refusing to remove. I need the name of Furnishers, Something with my signature as required by Law with the FCRA. I will not call & give my personal information to companies I have no knowledge of > This has to be illegal, my next step is a civil lawsuit to see if other victims of identity theft are having the same issues with this.I am also on hold again for another 30minutes.
This issue that i am have is that XXXX XXXX has a Bankruptcy on my credit file dated for XXXX XXXX 2014. to my knowledge i have never filed a BK. I have sent letter and file dispute with this company and each and every time the item has come back a verity. Since this item as come back and been verify i have even went as far as sending a letter to the US Bankruptcy Court Of XXXX ask them do please state how they verify item to the credit bureaus, the answer that received back was that they do not verify anything to the bureaus. I sent this documentation along with my request to this agency and this item as come back verify and which this item can not be verify because of the fact that us bankrupt court does not verify
Capital One USA has been reporting to the XXXX credit bureaus that I have a credit card with a credit limit of {$10000.00}. Initially, I was not sure if this was my credit card account since there had not been any activity on it since XXXX. I requested a fraud investigation. Capital One requested additional information from me which I sent to them XXXX/XXXX/XXXX. They researched my account and found no evidence of fraud and placed a disagreement code with a resolution of dispute on my credit file. So I requested a credit card to be mailed to me so I can utilize the account and low interest rate. They refuse to issue me a credit card so I have no access to the {$10000.00} credit limit they are reporting is available to me.