WillisBack/dataset-financial-user-claim huggingface dataset:
WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.
I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present.
XXXX   XXXX  says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.
Navient gave me a hard time verifying the school saying that I should verify, my repayments has been lies they always say they never receive my information when I submit it
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has sent a refusal to investigate my credit file claiming a Suspicious Request, no less than 3 times, which could be no more than a typo. XXXX and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one Additionally, Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$130.00} XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX/XXXX/XXXX {$940.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BKPT CHXXXX
Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.
The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a  XXXX  days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed  XXXX  month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the  Mortguage  office, told me the  appraiser  was aware if the asking price prior to the indpection. The mortugauge  officer  also called me and strongly pressured me to accept the price and close on my sale today  XXXX   XXXX    XXXX  . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.
I acquired an auto loan for a defective vehicle, once I found the vehicle to be defective beyond repair I returned it to the auto dealer who accepted the title and car. The bank Credit Acceptance however has kept my first payment and keeps refusing my requests to even speak with a manager about the loan reversal, which has been in processing since XX/XX/XXXX. Id also like it struck from my credit report as I 'd like to be able to apply for another loan from another company and lease a different vehicle from a different dealer but can not until this is resolved.
I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the   XXXX   XXXX   XXXX   account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both Equifax and   XXXX   have refused to remove stating that   XXXX   XXXX   XXXX   has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in   XXXX   XXXX  . It is my very strong belief that this balance is an attempt by   XXXX   XXXX   XXXX   to extort money from its customers and that the resulting charge off was an act of retaliation by   XXXX   XXXX   XXXX   as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in   XXXX   XXXX  ,   XXXX   XXXX   XXXX   has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction  history ) to another  account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX    XXXX   XXXX   XXXX   management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a   XXXX   XXXX   XXXX   complaint in   XXXX   XXXX  , which also went unanswered.
Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed
they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.
The Tax Lien information is incorrect, The account is showing on Equifax and XXXX. XXXX : XXXX XXXX XXXX XXXX Docket # XXXX Equifax : Tax lien filed on XX/XX/2008 Type Tax lien Court number XXXX Case number XXXX
Citibank account ending in XXXX with a disputed charge with XXXX XXXX of {$240.00}. Citi refuses to take my dispute seriously even though I have proven with documentation that this seller sent me the wrong supplements and I returned all of them and this is confirmed and I am owed a full refund. 

I need this removed. I am a XXXX person and on a limited income and can not afford to have my credit ruined because Citi won't help the situation in a professional way.
I have disputed the Identity theft accounts from XXXX XXXX XXXX ( XXXX ) on several occasions. I have submitted everything they have asked for and more, Police Report, FTC Report ( signed and notarized ) XXXX signature page they sent and requested and my own Signature page. Everything has been signed and notarized. XXXX has taken the stand that I allowed myself to be ripped off and they are not responsible for that, I am the only responsible party. Actually they are the responsible party, they are the ones that should have safe guards in place to protect consumers. I have more documentation if needed. Equifax refuses to remove the negative information stating that XXXX has verified the account information, Equifax has also received all the information. Several times actually. I believe XXXX pays for Equifax 's services so it does n't even really get a fair evaluation. I have submitted legal documents to Equifax and they still refuse to remove.
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,
This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.
I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen.
Monterey Collection Services has placed a negative mark on my credit report for {$2600.00}. I never received proof of this debt or written notice of right to dispute. I have no knowledge of this debt.
XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.
I consider this fraud and plan on suing XXXX XXXXXXXX XXXX for fraud and falsification of information if this doesn't get resolved. XXXX XXXXXXXX XXXX keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXXXXXX XXXX keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX -XXXX I AM PROVIDING PROOF with this document that the last missed payment was XX/XX/XXXX. which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
The complaint at its core is the loan was charged off and closed prior to receiving all insurance monies. The vehicle total loss date was XX/XX/XXXX. All payments had previously been made on time or prior to monthly due date of the XXXX up to and including the XX/XX/XXXX payment. I knew everything would be covered by the primary insurance, service contract cancellations, and GAP payments and communicated this to the finance company multiple times. Because of communication issues between the finance company and the primary insurance company, the insurance payments were delayed from the very start. I had to email the Settlement Summary from the primary insurance to the finance company on XX/XX/XXXX because they could not communicate and I had to step in. It was this same day that I sent the finance company the GAP checklist to obtain GAP benefits.
OnXX/XX/XXXX I physically went to the dealership from where I purchased the vehicle to cancel the extended warranty and oil service contracts. I found out much later that only the extended warranty was cancelled at this time. It took approximately 2 months for the extended warranty cancellation refund to reach the finance company and my account. I did not realize until the end of XX/XX/XXXX that the oil service contract had not been canceled and it seems the finance company had no idea either. Once I realized this mistake, I physically went back to the dealership to have the oil service canceled even though I have paperwork showing it was cancelled in XX/XX/XXXX.
The initial GAP payment was made in early XX/XX/XXXX. The breakdown I received was dated XX/XX/XXXX. In the GAP benefit calculation the original full price of both the extended warranty and the oil service contract are deducted from the initial payment. In a page accompanying the breakdown titled " Important Questions and Answers '', an explanation is given as to how a supplemental payment is made to the lender for the used portion of the extended service contracts. I highlighted this section in a phone call and email to the finance company both occurring on XX/XX/XXXX.
In early XX/XX/XXXX, I received a final bill closing the auto loan account. I emailed the finance companyXX/XX/XXXX to once again highlight the paragraph explaining the supplemental GAP payment to show they were closing the account in error. On or just before XX/XX/XXXX I received a breakdown of the supplemental GAP payment which I immediately emailed to the finance company. I then called and spoke to the finance company about the final payment from the GAP policy. The GAP company had amended my finance contract to state the finance company would backdate insurance benefit payments to the date of loss as had happened with the previous payments but since the account had been charged off, they could no longer backdate the final payment from the GAP company. I was told by a supervisor that they were in the process of waving the final balance of {$13.00} but that has never occurred.