WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.
Since XXXX The child support collection agency has been illegally taking money from me pay check. I have filed numerous motions in court and also sent the agency notarized letters requesting proof of this debt. so far the child support agency has taken XXXX dollars from me and have no proving that I owe them any money. I have visited there office and they basically didn't want to help me. This agency is a fraud they are using the social security number that I have been authorized to use and I have never giving them permission to use it. In fact they continue to track my work by use of this number which is a felony. they are reporting to the credit agency.
This week Equifax removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also XXXX XXXX stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
We had filed for bankruptcy a few years ago, and it was discharged. then we started getting letters form the city of XXXX about weed control. we sent them copies of our bankruptcy and tried to explain that we no longer had control of said property. if to this day we keep getting told that the bank never follow through with fore-closer and that westill have our name on the papers. then the first part of XXXX 2015 we get a letter form a lady that we must take care of a tree. What do we do?
I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.
I am devastated and frustrated after not able to come to a work out plan with Ocwen that will be affordable. Due to circumstances beyond my control .I had entered in to permanent loan modification in XXXX with an un paid balance of {$560000.00} This modification included a graduated interest rate and payment based on a schedule with an escrow account every month in the amount of {$1400.00}. Payments were interest only with a balloon payment at the end of 30 years..I was laid off from my job in XXXX of XXXX and shortly after I became ill and XXXX was necessary. That kept me out of work for several month. I began to default on my mortgage in XXXX. The adjusted payments became tough on us. I reached out to Ocwen for help to no success. I have provided documents requested and all they have done is pros pone and pros pone reviews to the e point that this delayed has increased the note to {$700000.00} thousand dollars. I want to keep my home. We have XXXX children to provide shelter for. Please hear me out. Refinancing as this point is not an option for I have done an appraisal and my home is worth less than what we owe. 
There are a lot of issues regarding my note which includes TILA issues.. 
I had no other choice than to request a Mortgage Fraud Investigator to complete a review of my mortgage.. 
All I really want is to keep my home for my children .Please I am really looking for an affordable mortgage.. Hope you can help me.
Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.
I have sent 4 letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 all certified mail. 
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of these accounts listed below. Your fail to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed below. Thank You for your prompt assistance in this matter. 
XXXX XXXX XXXX ...., XXXX XXXX bank XXXX ...., XXXX bank XXXX ...., XXXX XXXX bank XXXX ... .., XXXX XXXX XXXX ....
Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.
harassment on car lone after due date and looking into other accounts asking for payment after I told them that the payment was on the way.
I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.
I mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
I received the response from XXXX that they had corrected that this amount was not owned, but Experian still has it reflected as negative information. The corporate office of XXXX responded and apologized and they keep soliciting me to be a customer, but Experian has not updated and corrected this information as it was not a charge off, and there is not a {$360.00} that is still owed. Experian really needs to be investigated for this type of behavior and contact the company for solid verification.
I used have checking and savings accounts with Bank of America for 5 years.The bank closed my account reported to XXXX XXXX and XXXX on last XXXX.When I have contacted them they say its a check fraud and which wasnt done by me.I didnt deposit that check, I lost that check book and other cards.As I have attached in previous complaint the bank which validated the ID theft on my name is Bank of America. 
I want the bank to set me free from the reports and wants to remove negative information under my name.I dont want to make a claim at bank because I dont trust them any more since after 5 years of business with them they harassed me like this.
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX. XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact Transunion XXXX/2017, XXXX2017, XXXX/2017, XXXX XXXX/2017, XXXX/2017, XXXX/2017 and XXXX  XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
On m y TranUnion c redit file  XXXX  my  XXXX   XXXX   XXXX   XXXX   XXXX    a ccount with an approximate balance of {$68000.00} indicates a derogatory " Chapter  XXXX  Dismissed '' under remarks. However, I have no  Chapter   XXXX  bankruptcy, nor is it listed in the TransUnion  Public Records on  my credit file. I have been denied credit twice in the last 30 days for this erro r. One is fo r a new mortgage, and the other was for a credit card.     I called the TransUnion dispute phone number, and disputed the information error on  XXXX   XXXX ,   XXXX  . I received no email or regular email notification that the investigation was complete or that it had even been conducted. When I called the TransUnion dispute line this morning to check on the status of the dispute, I was told there was no open dispute, and that I would need to submit paperwork showing that I have no bankruptcy. This is impossible since I ca n't submit paperwork to show that something that does n't exist does not exist.     I have a perfect payment record with my  XXXX     XXXX   and need the incorrect information removed asap as it is causing me harm in delaying me purchasing a new home.
I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.
My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.
We have been working with XXXX Mortgage servicing aka Bank of America for a mortgage loan that has been in arrears ( long story, Countrywide and BOA takeover ) and we have been trying to workout for 8 years. The current status is I contacted XXXX the end of XXXX to let them know we have a homebuyer that is pre approved and wants our home to move in end of XXXX. We did not receive any response except a certified letter of FORECLOSURE for XXXX XXXX on our residence on XXXX XXXX i contacted Shellpoint and spoke with XXXX in Loss Mitigation on XXXX XXXX and she said the payoff was sent to us and that we would even get relocation assistance with the Short Sale. She gave me the name of our Point of Contact, XXXX XXXX with XXXX and said she was sending out the paperwork, I asked for Short Sale and Deed in Lieu of Foreclosure, just in case. YESTERDAY XXXX XXXX, we received the paperwork for Short Sale. XXXX XXXX called after XXXX ( I had left him another message last Friday ) and he said he did not know anything about a Short Sale, that the home is in the process of a bank sale. I told him, it is on the website that XXXX is working with the homeowner for a short sale and he said he knows nothing about it, so I am enclosing that information. We have been strung out all this time with BOA and now we have a buyer and they want to rush to Foreclosure. I have 8 years of history, where do we begin? We want the opportunity to sell and resonable time to move. Thank you so much. XXXX and XXXX XXXX
I had an open credit card account with Bank of America and I have not been late on payments on this credit card ever since I applied for it on XX/XX/XXXX. On XX/XX/XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, bank of America credit card services have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, Bank of America have decided to close the account on XX/XX/XXXX. 
On XX/XX/XXXX, I reached an agreement with Bank of America to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. Bank of America did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.
Source /XXXX is calling my cellphone numerous times. When I try to tell them about this so call XXXX debt. They turn into the worst unprofessional abusive reps. I can not put into words. One even do n't worrying I will add it to credit report. I consider that a real threat since our world is credit base. 
Also I have written a letter to higher management regarding the abuse. 
I am XXXX. I can not take this type of treatment. My doctor told me I am stressing on this issue. 
I live off of Social Security. Trying my best also to take care of a mother with XXXX.
XXXX XXXX of Guaranteed Rate discriminated against me because of my XXXX, my income from a XXXX, my income from employment, my race, my ethnicity, my national origin, between the dates of XX/XX/XXXX to XX/XX/XXXX.