WillisBack/dataset-financial-user-claim huggingface dataset:
I received my XXXX mortgage interest statement from Select Portfolio Servicing. I have a 2 % interest mortgage with an Outstanding mortgage principal as of XX/XX/2016 of {$37000.00}. Box XXXX of the Form XXXX is the Mortgage interest received from payer/borrower and has an amount of {$4200.00}. 
That number is completely incorrect. Even if the reduction of principal is ignored on the {$37000.00}. That amount at 2 % is {$750.00}. 
Would you be so kind as to explain in detail how the {$4200.00} amount was calculated? Why does that amount exceeds my total yearly payments paid of approximately {$3300.00} ( that includes principal, interest, insurance and taxes )? 
Why does SPS make so many mistakes in their record keeping?
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.
This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX
Experian is reporting XXXX collection accounts on the same student loan. I have disputed this information quite a few times to have the account removed from my credit profile, but the items still remains as if I have XXXX outstanding student loan debt. 

The CRA policy is based on termination of a debt collector 's authority and the debt remaining unpaid. Deletion is intended to prevent XXXX collections from simultaneously reporting on the same debt.
Over a month ago, I e-mailed Navient about incorrect information that was reported to my credit reports. They have not responded, nor have they removed the information that is incorrect.
My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX
I was informed today ( after an excessive runaround ) that XXXX XXXX transferred my loan to NationStar. This was incredibly shocking to me since I was NEVER notified in ANY way. XXXX has had my up to date contact information because I have received tax info from the company in the past.Why I was not notified of my loan going to another company I can not understand. When I finally spoke with a NationStar representative I found out I was transferred to NationStar XX/XX/XXXX! They received payment for a couplemonths then it stopped. Apparently XXXX XXXX never gave them the correct contact info for me either ... so they were never able to get in touch with me to tell me about the transfer of my loan or how they were not receiving the payments I was sending. I was then informed I was {$8500.00} behind! And yet I had been sending {$1300.00} a month -every month- and NEVER missed a payment ( actual mortgage payment ~ {$9500.00} ). I understand XXXX may have forwarded XX/XX/XXXX-XX/XX/XXXX to NS. That still leaves XXXX months of payments unaccounted for! That is {$11000.00} XXXX XXXX has STOLEN from me! 
If NationStar is unable to waive the legal fees already associated with my now in foreclosure home ( DUE TO XXXX XXXX ) I believe XXXX XXXX should have to reimburse all fees. Not to mention the severe damage this has on my credit. I was also notified that since I am not active duty I do n't qualify for any security services military members are eligible for ... I AM XXXX, have been since XX/XX/XXXX and am currently XXXX. If I had not been attempting to look up some property tax info on a whim my house would have been foreclosed and I would have never been notified of anything until after it was complete! I had to do all of these phone calls via XXXX to attempt to talk to service reps.
Representatives of plaintiff has not disclosed actual amounts owed which has not been on previous statements. It lists general number. It does not included homeowner 's insurance that was bought by plaintiff and is added to total debt. Defendant or owner has own insurance which plaintiff 's representatives did not take out. New totals should be recalculated. Also, bank refused to give loan modification and lost all information during such. Multiple copies have been sent and also lost by Wells Fargo.
XXXX came up on my inquiry 's did not apply for credit through this company or any other company
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.
I have had a Bank of America Credit Credit card for more than 11 years ... no late payments even once ... I am traveling ooh of state, could not use my credit card ... when I call BOA they explain that my account has been closed 4 days ago, can not tell me the reason for that, they said the only way to fix it to apply for new CC ... it was very inconvenient because I could not pay my bills on time and I have to transfer money from my aging account to my checking account and of course I have to pay high fees.
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX *Delete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) Equifax : XXXXUpdate name to XXXX XXXX XXXXDelete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX, XXXX *Delete address : XXXX XXXX XXXX  XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
I reported an error & requested an investigation on my Experian & XXXX credit report related to an account with XXXX XXXX XXXX XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.
The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.
XXXX XXXX navient student loan.. XXXX XXXX school XXXX XXXX NY and XXXX XXXX XXXX NY..Loan is in default because i 'm unable to pay the amount. Their asking me for more than i make in my paycheck and its impossible to give a down payment of {$10000.00} and pay {$500.00} a month
i was XXXX in XXXX XXXX and XXXX XXXX in another XXXX. I asked Capital One to send me information in large print. I recently had XXXX XXXX to restore my XXXX in my XXXX XXXX. I used my reward points with XXXX to rent a car. I dented the bumper and now I 'm responsible for the damages because I was n't aware you had to pay for one days rental on the card. XXXX did out a hold on my credit card and charged {$2.00}. XXXX also closed out the contract when I could have extended the rental for one more day and pay for one day of the rental period. XXXX even told me to have them to do this. Now I 'm stuck with a bill because I never was able to read the fine print. I trusted what Capital One told me. I would be covered if I declined the insurance offered by XXXX.
I sent this company a letter on XX/XX/2018 to validate the debt that they put on my credit report. I have not heard from them and the account is still showing on my report. I know that I do not have an account with them and I want this removed immediately.
SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.
This debt is from a former deceased relative that I had removed from credit bureau, its now being attempted to be collected 10 years, its a account from 2006, later by a XXXX collection agency, none of which are the original debtor
When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour
1. XXXX XXXX XXXX ; re : Capital One card calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe Cap One some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX years old, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.
This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.
XX/XX/XXXX Wednesday I contacted Equifax to remove inaccurate address that's reporting to my file, and also notice 14 inquires reporting on my credit report that I never applied for or give authorization to pull my credit. Here is the list of inquires that are hurting my credit. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX   XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX As you can well see there numerous repeat inquires.
i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..
Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.
Applied for a loan 5 months ago, home purchase with a construction loan to make improvements. NOT an fha loan. Underwriter demanded a HUD inspection ( {$750.00} ) then refused to accept his findings and demanded an Engineer Inspection ( {$700.00} ). Underwriter has delayed beyond reasonable time standards, even refusing appraisal and sending it back three time. Last time for a non-essential typo. Now four days before closing the closing costs are {$3400.00} higher than original estimate. All due to the excessive delay by underwriter.
Got a letter from Great Lakes stating my principle balance. To my surprise it was more than what I loaned. Over the past few years apparently the payment plan they have me on isn't paying any principle down, in fact it's accruing. I am struggling to understand how this can be offered to a student. This seems like a scam, to make money off a large education based debt. Is this legal? I called customer service at Great Lakes on XX/XX/19 to get an explanation and was told that it isn't explicitly revealed to the borrower that this payment plan will not pay off principle. Following that she claimed borrowers are told this information. Didn't seem clear. Shouldn't we be protected against programs that don't pay off our loans? I am beside myself as I support my family on a single income, trying to get out of my educational debt. An insurmountable hill knowing what I now know.
Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX
Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.
I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.
upon checking my credit report it was brung to my attention i have a account with discover upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
I am writing this complaint because Experian hasn't honored my request to properly investigate and remove inaccurate info on my credit report. I placed a fraud alert with them on XX/XX/XXXX and mailed in my dispute info. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report.
I had a Wal-mart credit card and reported it as unauthorized use in XX/XX/2106. I asked that card be discontinued immediately. Rep told me to disregard any bill and they would reverse charges. I received new bill with new charges. I called and was told that the " computer did n't close file '' and to disregard and they were sorry. I live in Florida and charges were from XXXX area. Another month and now the bill was {$140.00} for late fees on a XXXX balance. I called again. About a month ago I started receiving calls from Walmart aka Snychrony Bank.Phone XXXX XXXX about 3 to 4 times per day and now up to seven times per day. Calls start about XXXX. I reported to FCC and to my phone company who tried to block the number. Sometimes this woks and sometimes the phone rings before blocking. I am in very poor health and the XXXX of early morning and all day long calls is horrible. I do n't want to spend money on hiring a lawyer. What can I do to stop Walmart and the bank?