WillisBack/dataset-financial-user-claim huggingface dataset:
In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. 

On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. 
On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.
After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!
Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.
this company zfn and associates have been threaten me to go to jail also have faxed my job asking for my routing and bank account
My student loan is being repaid through Navient. I 'm on a graduated payment plan, which I can not afford, and they told me there is no other options for me.
Received a payoff quote from Honda Financial Services. Paid that amount prior to the date requested. Then received a letter requesting additional funds and missing documentation. Contacted Honda and explained that they cashed the check for the amount requested and documents were sent to the address on the payoff quote letter. Was told that was the wrong letter was provided therefore wrong address so documents would have been shredded and need to be sent again. In addition, sales tax was also owing because they quoted for a dealer payoff and not consumer. Sent to documents - overnighted at an additional expense. Honda continued to request lease payments and add charges. XXXX and XXXX from Honda both stated that lease was no longer in effect that the payoff was " in suspense '' waiting for the remainder of funds. No workout could be given even though twice the monthly lease payment was still owing. Remaining funds overnighted and received on a Monday morning. Checked account on Tuesday and nothing was posted to account. Contacted Honda again and was told anything sent to their overnight  address would take 48-72 hours to process. Call back on Friday. Friday is actually 96 hours after Honda signed for overnight package. At this point, crossing my fingers that all will be resolved.
I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account.
Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.
I lost my job and went into default on my mortgage in XXXX XXXX. I was forced to file bankruptcy in XXXX XXXX to protect myself from Flagstar bank. 

On XXXX XXXX, XXXX, I received a debt collection letter from " XXXX '' related to the Flagstar mortgage demanding {$110000.00} from me. I called their customer service number and big surprise, got Flagstar bank. I spoke to XXXX, ID # XXXX, and told her my debt was supposed to be discharged with the bankruptcy in XXXX XXXX. She placed me on hold for 10 minutes, came back & informed me that " the letter from XXXX was correct and the debt collection would continue. '' She could not tell me why it was correct or why they were continuing with their illegal harassment & illegal debt collection practice.
hello my name is XXXX XXXX, i had a car around XXXX years at go i sold it, i never had a chance to change it under his name i was busy, he said he ill take care of it and it seems like the new owner left it for some week with out moving it and the towing truck took it and he did n't take care of it and he just let it go. 
Now it is on my record, what can i do to with this case?
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending to Experian.
In XX/XX/XXXX I contacted a student loan servicer to see if I could have my student loan debt forgiven. I was told that I did qualify and that I had to make a monthly payment of XXXX starting XX/XX/XXXX. In the original conversation I was told that I would be paying the third party company on a monthly basis for them to handle everything on my account. I was told that the only thing I needed to do was make sure I made my payments on time. On yesterday, XX/XX/XXXX, I decided to view my credit score on XXXX XXXX and realized that my score dropped one point. After looking further into it I discovered that my student loan debt was no longer a {$0.00} balance with a {$0.00} payment. I attempted to contact XXXX XXXX  to get an understanding about what happened to my account. They did not answer so I called XXXX. When I spoke with the company they informed me that I was due for a recertification and they sent emails to my account in XX/XX/XXXX. I informed the person about my third party company who was supposed to be handling my account and told her that I did not know about the recertification. She informed me that several people have been scammed by these third party companies into paying for services that are not provided as promised. She told me the options that I had to make my account right and recertify myself. I did the recertification while on the phone with her to get my account back on track and I was advised to make a complaint with CFPB. Today, XX/XX/XXXX, I received a return call from XXXX XXXX during the call I explained the situation and asked for my services to be cancelled. I was told that they are just the finance company and can not cancel the services, I needed to contact XXXX XXXX XXXX. I called and asked for the services to be cancelled on my account and was told that they do not cancel services. I asked to speak with a Supervisor and he informed me that the original company that I signed up with Manhattan Beach Venture LLC, shut down and they took over my file. He stated that I only had 5 days to cancel the services. I explained to him that I never received any notification from them about my account being transferred or being up for recertification. He said that an email was sent in XX/XX/XXXX and XX/XX/XXXXand it may have went to my spam. I asked if my account could be cancelled because the services that I am paying for have not been provided. He stated that I am paying the company for the initial services they provided and that they do n't have to do anything else on my account. I told him that I felt that I was mislead into signing up for the services because I was told that I 'd be paying for continued services for the next four years and since I was able to fix my account and recertify on my own through XXXX I did not want to continue paying XXXX for nothing. He again told me that they can not cancel my account and there was nothing he could do about it. I would like to have my case reviewed and my contract. I am getting a lawyer and I will pursue a lawsuit if necessary.
My ex-wife is dead. The child support has been paid in full for years. The NY State support enforcement agency concurs. Equifax reports a XXXX balance in the account, but yesterday they changed my report to reflect a missed payment. This is not true, & last year they were forwarded the information needed to show the account as closed. They will not discuss it with me over the phone, and the website will not allow me to file a dispute because they say I am providing incorrect information verifying who I am. This should be dropped off my report by now. At the very least, I should not be showing a missed payment all of a sudden. My daughter is a grown woman, & her Mother is dead. How long do we have to live with this problem. Someone please help us.
I accessed my Experian credit report on XXXX XXXX 2018, around XXXX XXXX EST. I was offered the chance to purchase XXXX and XXXX report as well, for XXXX. When I tried to print out a copy of the report, I received the following message : XXXX XXXX XXXX. The service is unavailable.

I called the company at XXXX XXXX and spoke with a representative. I asked the representative to please refund my money as I could not print the reports. The representative was rude, refused to refund my money saying that " you had agreed to the terms when you agreed to pay. '' I asked to speak with a supervisor, the representative instead hung up on me. When I tried to call back, the recording said the company was closed.
Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.
Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : XXXX Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX  they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...