WillisBack/dataset-financial-user-claim huggingface dataset:
I am current a Naivent private XXXX XXXX customer. I received a Prequalified letter to refinance my student loan with XXXX a member of the Navient family of companies. The deadline to apply was XX/XX/2019. The letter only provided a website to apply. After confirming XXXX 's affiliation with Navient, I proceeded with the applying to consolidate two of my existing student loans ( with Navient and XXXX  XXXX XXXX ). I applied for the loan on XX/XX/2019. Immediately after completing the application, I received a rejection letter and statement I will be notified of the reason behind the decision. I received an electronic letter on XX/XX/2019 describing why I did not meet the eligibility requirements. On XX/XX/2019, I printed and reread the letter to discover the reason why I was denied did not make any sense. The letter stated I did not meet the eligibility requirements because my credit score does not meet the minimum criteria. My credit was mentioned on the letter as a XXXX. This information was collected from XXXX. I called the number provided on the letter XXXX to get clarification on XX/XX/2019 at XXXX pm central time. The male representative ( name unknown ) confirmed my identity and acknowledged my application. He also stated the call was recorded. I asked him to explain how my credit score did  not meet the minimum criteria. The rep 's response was that was the response generated when the application was ran. I asked what was the credit score range. He refused to tell me and further stated it was propitiatory information and that the company did not have to disclose the reason why I was denied. I also stated how do I know if the company did send me the prequalify solicitation to collect my information and sell it to other companies. He stated they would not do that. I also asked how do I know if my application was not turned down due to my name being ethic and my address in a predominately minority zip code. He stated that was illegal. Despite his denial of any illegal wrongdoing, I very concerned about the reasons behind my denial since my credit score is an acceptable score for lending. I have reason to believe unfair  practices were used to disqualify my application.
After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
The incident first accord XX/XX/2018 the. On XX/XX/XXXX my account was closed for the second time for the same reason which was no reason at all, and both times my credit score went down 60 points making me unable to get a house or apartment. This is taking a toll on my life and this can not keep happening Ive made all my payments on time kept my credit in good standing.
I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.
On XXXX, my late husband opened up a Chase credit card account for himself, under his social security number. He passed away intestate on XXXX/XXXX/XXXX. I informed Chase several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
I am included in the list of potential victims of the Equifax hack that was reported on XXXX17.
I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can
On XX/XX/XXXX, i submitted a mortgage assistance request to servicer Wells Fargo Home Mortgage, however the servicer failed to acknowledged or process our request. <P/>We contacted the servicer in regards to our request and was told that they will not process our application despite that the account was assigned to a specialist. We ask why then assign our file is your intentions are not to process? The reply was because those letters are computer generated when ever a customer is in default. <P/>On XX/XX/XXXX, I re-submitted the mortgage assistance request before the HAMP process deadline. See attached documents probing the allegations. Wells Fargo Home Mortgage failed ones again to acknowledged our request. The department of treasury issued the " HAMP Handbook '' for servicer 's to comply with certain areas of the law in connection with the loss mitigation options. Section 4.5 of the HAMP Handbook - states very clear that upon receipt of a complete mortgage request application and financials, servicer are to " acknowledged '' receipt of and sent notices to the debtor within " five business '' days. Ones again Wells fargo failed to " acknowledge '' our request. Therefore we can safely say that Wells Fargo Home Mortgage is in violation of section 4.5 of the HAMP Handbook.
I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.
Citibank closed my credit account without prior notification and this account closure makes me losing all of my points, which are XXXX points. Citibank said they can close my account whenever they want and they are not willing to tell me the reason they are closing my account. They also refuse to return the points to me.
I was previously approved for assuming my soon to be ex-husbands VA loan with XXXX Bank but due to the divorce not being settled we could n't proceed with the loan until the divorce was complete. The divorce is almost complete so I contacted XXXX Bank to finish the paperwork to assume the loan. Unfortunately they sold the loan to Planet Home Lending so he was unable to provide me with the loan. So I contacted Planet Home Lending to assume the loan. I completed the paperwork and submitted it to them. The underwriters came back and said they would not approve the assumption loan due to a short sale in XXXX XXXX. I know from XXXX Bank that the short sale can not be held against you if it happened over 2 years ago and their waiting period was only 1 year so it was n't even an issue. But Planet Home Lending is using my short sale against me even though it is over the 2 year mark. This is discrimination and I am not sure why they are using this against me due to it has been over 2 years. I am also female and serve in the XXXX XXXX XXXX and am a XXXX. So maybe they are discriminating against me for who I am I am not sure but their excuse for the short sale does n't make sense since the short sale was XXXX XXXX and it is now XXXX XXXX. Please assist me in finding out what the real reason is why Planet Home Lending will not let me assume my soon to be ex-husbands VA Loan. I am a veteran as he is so there should not be an issue with the assumption, but I need an answer before we go to court so I know if I can ask the judge for the house or not. I can only get the house by assuming his VA loan and I can only due that through the bank that holds the loan.
Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars
Dear CFPB I submitted a short sale to my lender which they informed me if sent 14 days before the foreclosure sale date, they would review but there are telling me now they can not review. Attached is my fax confirmation with proof of my short sale submission
I am not disputing the Calvary Profolio account # XXXX any longer. It has been 9 years since it occurred it is past statue limitations. Sincerely XXXX XXXX ( XXXX )
In XX/XX/XXXX I filed bankruptcy. In XX/XX/XXXX my mortgage was sold to Dovenmuehle Mortgage Inc. I made my first mortgage payment to Dovenmuehle in XX/XX/XXXX. As of XX/XX/XXXX, I've paid my mortgage for each of the 29 months I was with Dovenmuehle. Each month was paid via check for a total of 29 checks thus far. In XX/XX/XXXX my bankruptcy was discharged from the court system. Shortly after my bankruptcy was discharged in  XX/XX/XXXX, Dovenmuehle sent me a letter stating that I was behind on my mortgage payments. After speaking to my bankruptcy lawyer, I was informed that Dovenmuehle did not submit the proper paperwork to the courts during the bankruptcy timeframe. Dovenmuehle states that they increased my mortgage during the bankruptcy process but they did not legally file this with the court, nor with my bankruptcy lawyer or myself. Dovenmuehle has been inaccurately harassing me since XX/XX/XXXX about missed payments and late charges for a mortgage increase that I was never informed of. On XX/XX/XXXX, I received a mortgage statement from Dovenmuehle via mail for the amount of {$2200.00}. That amount includes an overdue payment of {$1300.00}, plus {$200.00} for bankruptcy attorney fees, and a new/higher monthly mortgage of {$680.00}. For 29 months I've paid my mortgage of {$670.00} for every month via check and I have proof of payment from my bank. Dovenmuehle never informed me or the court system about an increase in mortgage nor about any overdue fees/charges. I was never contacted by Dovenmuehle regarding any increases to the mortgage but am now being harassed and threaten to be sent to collections for an unexplained overdue balance. My bankruptcy lawyer reviewed the terms of my bankruptcy case and determined that Dovenmuehle never submitted any documentation of any of these miscellaneous charges or increase in monthly mortgage payments to the courts. I am not responsible for paying for charges that were never legally communicated to me, my lawyer, or the courts and am requesting an investigation of this mortgage company.
Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.
This was sent to Nationstar Mortgage on XXXX/XXXX/2015, and to date I have received no response. 

Attention Nationstar Mortgage Customer Service : Subject : Loan Number XXXXXXXXXXThis is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : My loan was recently transferred from XXXX to Nationstar Mortgage effective XXXX XXXX, 2015. The loan was set up as a bi-weekly payment through XXXX at no additional charges to me, the customer. In addition, my next scheduled payment was due on XXXX/XXXX/2015. I received an email welcoming me to Nationstar and requesting that I register online to view my account. After registering online with Nationstar, I noticed my account 's next scheduled due date was pushed out to XXXX/XXXX/2015, my loan was no longer set up as a bi-weekly payment but rather was now on a monthly payment schedule, and my automatic payment was no longer in place. 
I called Nationstar customer services and was told that Nationstar does not support bi-weekly mortgage payments. After asking to speak with a customer service representative, of whom I spoke with both XXXX and XXXX, I was told the same thing, that Nationstar does not feel the term of my loan was altered in any way. I was also told that I could sign up through a third party vendor called XXXX XXXX at a cost to me, and they could provide the bi-weekly payment processing. I explained to both XXXX and XXXX that if I was not paying for a bi-weekly mortgage before, why should I have to start paying for XXXX now that my loan is serviced through Nationstar. 
I have attempted several times to work with Nationstar to resolve the bi-weekly payment situation with phone calls to Nationstar 's customer service department. However I was told that there is nothing Nationstar can do to correctly process my loan as a bi-weekly payment without an additional fee paid by me, which I am unwilling to do, because my loan prior to Nationstar handled the bi-weekly payment schedule without any fees. In addition, when a loan is moved from XXXX service provider to another, the automatic payment processing should also be properly converted over. Asking the customer to re-set up the ACH processing is minor, but the conversion to the new provider should be seamless. 
I can be reached at ( XXXX ) XXXX day or night in case a customer service representative wishes to contact me. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within XXXX business days. 
This correspondence is also being sent to : United States Department of Housing and Urban DevelopmentOffice of RESPA and Interstate Land SalesXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXSincerely, XXXX. XXXX XXXX
I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?
Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.
I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''
Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.
Experian is currently reporting a collection account from XXXX XXXX & XXXX on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. This account does not belong to me and should not be reporting on my credit file. i have never rented an apt from this company i have lived in my home since 2006 with an open current mortgage. this is not my account
I have written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
I filed a complaint ( Case # XXXX ) against American Education Services last year for not working with me on my private student loans. Now I 'm in an even worse position due to the same problem. XXXX of my loans have gone into default. This company is terrible at coming up with a solution for account holders to pay. I 've called several times and been dismissed by customer service reps and supervisors saying there 's nothing they can do. They forwarded my accounts to a collection agency ( XXXX ) that lied to me on three occasions saying that if I made a {$500.00} payment that they could negotiate a lower rate for me. Never happened! I am about to be a mother in XXXX and my employer brought the loan default to my attention. I 'm in a position where my loans can be garnished. I 'm disgusted with this company and in need of a resolution. I ca n't even refinance my loans due to these companies destroying my credit score.