WillisBack/dataset-financial-user-claim huggingface dataset:
I have a documentation from the state of Wisconsin confirming the dismissal order of a case that I was involved in, however it still remains on my credit profile from all three credit reporting bureaus.. 
I have tried working with many repair agencys with no results. This issue is affecting every aspect of my life and prohibiting me from moving forward.
I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help me?
I have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.
I have struggled this year to make my mortgage payments on time due to switching jobs last year and having to take a salary reduction from what I was making last year. In addition we became foster parents to XXXX children and my wife is now XXXX. I have paid so far in 2018 my XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payments. I called XXXX XXXX XXXX XXXX to let them know I have the funds to make the XXXX payment but they told me they would not accept them payment, the would only accept a minimum of 3 payments, this seems very unreasonable, if I had the funds to make 3 payments I would have made them. I don't think its right for the mortgage company to refuse payments, I told them my next payment after the one I attempted to make would be on XX/XX/XXXX and the next on XX/XX/XXXX because I finally have the funds set aside to make all these payments and get back on track, still they said they will not accept any less than 3 payments at the same time.
Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.
This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.
Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. 

The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. 
To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. 

I have detailed records available for review.
EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY
On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared stolen check that I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at a JP Morgan Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. XXXX XXXX, my XXXX injury case manager that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation, initially told me. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I asked for points on contact for XXXX XXXX XXXX at that time and was told XXXX XXXX would be the liaison and follow-up on this issue. This process was new to him as well and he was following the guidance of his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the bank to make good on the check because it should not have been cashed and the outcome would be known on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I have been very patient during this wait time. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information, as I needed to be much more involved and explore other options. I am very exhausted at this point. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. 
( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). I do not put anything of value directly in my mailbox anymore. Thank you.
Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?
Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise
I have been denied access to the Home Loan Modification Status iportal for borrowers My Documents tab since XXXX XXXX, 2016 after submitting several documents. I have repeatedly requested my access to the Bank of America created, maintained and managed borrowers iportal, but my requests have been ignored. While I am able to log in to the borrowers iportal and access every other tabs, such as the My Application Status tab, I can not gain access to the My Documents tab page. Apparently Bank of America has locked me out and intentionally denied access to this tab page within the iportal. This intentional lock out and lack of access effectively prevents me from uploading documents, checking the status of my home loan mortgage account information including, but not limited to, the current modification status and who the currently assigned single point of contact is along with their contact information. 
Unblock and unlock the My Documents tab page within the borrowers Home Loan Modification Status iportal upon receipt of this request to do so and ensure that I am not denied full access to the entire borrowers Home Loan Modification Status iportal in the future. 
BLOCK AND LOCK OUT OF THE MY DOCUMENTS TAB ON IPORTAL
I have learned that Faye Servicing is the new loan Servicer.. Initially, XXXX XXXX owned the note, then XXXX, then XXXX   XXXX.XXXX  XXXX. I also learned a new group, XXXX XXXX, purchased the loan. Faye Servicing had been sending time sensitive and financially sensitive mortgage related documents to the main building address of where my I live, and not to my personal residence. This means that the property manager or someone else has been receiving very sensitive financial information regarding my loan. This action was intentional. 
In XX/XX/2018, I sent a Validation of Debt request to Fay Servicing.  I including my mailing address, which the previous note holder, XXXX XXXX, used and is in public record. I also included my condo unit number.physical address in my Validation of Debt request. 
On XXXX  XXXX, I received a written response from Faye Servicing which was dated XX/XX/2018. Faye 's response refers to my physical address as the main building address ( there are approximately 250 units in the building ). The " Prior Servicer Account History '' which Faye sent me only includes the XXXX XXXX payment history that is illegible and impossible to authenticate. The font is exceedingly tiny, and I can only identify the " XXXX XXXX '' emblem '' on the paper. Fay Servicing failed to provide the payment history for the years when XXXX XXXX and XXXX owned the note. They failed to remove negative amortization debt that has been added to the loan balance, or address other charges and fees that have been assigned to this loan balance. 

In summary, Fay Servicing has denied my request for a validation of debt and supporting documentation. They sent me a one page letter, which reads in part, " Please be advised that Fay will not provide any information or documentation considered confidential or proprietary, or that is not in our possession. '' Presumably, Fay Servicing has mailed mortgage and other pre-foreclosure related documentation, including my mortgage account number, to the general building address and not to my personal residence. Private mortgage financial documents, including the account number, have been directed to the onsite Property Manager and/or Homeowners Association. I believe these were acts of Willful Negligence. The " General Building Address '' repeatedly appears on the Fay Servicing documents, including when referencing my account number.

Consumer Law requires a debt collector to validate the debt ; Fay Servicing is dismissing themselves of this requirement by stating they " do not have certain documents in their possession ''. 

A " Fair Debt Collection Practices Act Validation Notice '' dated XX/XX/2018, which was included in Fay Servicing response to me, includes line items such as Current Unpaid Escrow Balance : {$0.00}. Current Unpaid Accrued Interest : {$0.00} Partial Payment not yet Applied : {$0.00}. Late Charges : {$0.00}. Fay Servicing and XXXX fail to state the total amount due.
Trans Union is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.
I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. 


i'd be done. She promised to call me
I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing.
I am trying to close my PayPal account, however, this is not possible because PayPal states I have a balance. I do not have balance in My PayPal account.