WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. 

I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )
I have 3 credit card accounts with Barclay Cards each with a great history of use and payments to them. 

Recently, while on a 2 month vacation/work trip out of the country, another credit card in my wallet ( with another company, not Barclay ) was stolen and many charges placed upon it. This caused a cascading effect whereby I had to close that stolen card account, and depend upon my Barclaycards while in XXXX. Additionally, I had to shift my monthly automatic charges that were on the stolen card, onto my Barclay Cards. Things such as monthly storage units, online subscriptions, and several other auto pays were linked to this card. 

The automatic monthly payments I had previously arranged with my bank and had been paying to Barclay beyond the monthly minimum payments to Barclay were now not covering the minimum during this brief period. This caused my balance on my Barclay Cards to ramp up quickly, plus Barclay charging me additional late fees because my payments were below the minimum due. My intention was to stabilize everything when I returned from XXXX. Upon return, I immediately paid the past due amounts. However, without notice, as soon as I had sent them payments, Barclay also lowered my credit limit and now the card I was relying upon to pay some of my monthly autobills that I had shifted to it was no longer covering those obligations and I was then subsequently being charged late fees from these other companies and causing cancellations of services ... a whole cascading effect. I was unaware of what was occurring since I was under the impression I still had about {$5000.00} of available credit available with my Barclay Card to get through this rough patch. To compound issues worse, as  soon as I returned from XXXX, I have been dealing with a medical issue and dealing with all of this unwinding has had to be delayed. I had since discovered that Barclay lowered my credit limit without prior notification and reached out to them to restore the credit limit yet they flatly refused. 

Bottom line, I have had a long relationship with Barclay, have been making regular payments in excess of my monthly minimum for years, up until this circumstance. Yet a Customer Relationship with Barclay seems not to matter to them, regardless of history, regardless of their outrageous interest rates of over 25 %, regardless that they had charged fees for things that they themselves had caused. I am done with Barclay!
When I graduated from college, I was made aware of a government student loan program called, " Public Service Loan Forgiveness ( PSLF ) Program. '' Essentially, if a college graduate obtains employment in the public/non-profit sector, then the college graduate remaining Federal Student Loan balance is forgiven after 10 years of full-time employment & 10 years ( 120 payments ) that are paid on time & in full. I have never missed a student loan payment and have been employed and currently employed with the XXXX XXXX XXXX for over 10 years since XX/XX/XXXX. I started paying on my student loans in XX/XX/XXXX. 

To my surprise, the payments that I made to my Federal Student Loans for the time period of XX/XX/XXXX-thru-XX/XX/XXXX were not counted as " qualifying payments '' of the 120 payment requirements due to being assigned the wrong repayment program. the PSLF Program is not the easiest program to navigate & I felt that for the time period of XX/XX/XXXX-thru-XX/XX/XXXX, I was making my student loan payments in the correct repayment program under PSLF program in good faith. 

However, I was recently informed of a Student Loan Forgiveness program called : " Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ), which was created under the Consolidated Appropriations Act, 2018. 

I believe I qualify for the Temporary Expanded Public Service Loan Forgiveness opportunity & it's important that my submitted request is processed as soon as possible. Because TEPSLF has limited funding of {$350.00} million, which means it will be proved to a limited number of applications on a first come, first served basis. 

I just received by formal denial of my PSLF Application on XX/XX/XXXX, which I'm happy to receive, because I have to have a formal denial of my PSLF due to non-qualifying payments to qualify for the TEPSLF Program. I have submitted my request for the TEPSLF program per XXXX  Instructions to XXXX & have not received a response that I'm being considered for the TEPSLF program since I submitted the TEPSLF request on XX/XX/XXXX. I know there is only a finite amount of funds available under the TEPSLF program, & I just want to be ensure that my name is correctly placed on the TEPSLF list for funds.
I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on  my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
I have had a Home equity loan from Chase Bank since XX/XX/XXXX ( interest only payments until XX/XX/XXXX ). InXX/XX/XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to Chase for a loan modification. This process was to say the least, agonizingly slow and laborious.
However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease.
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But here 's the problem. From XX/XX/XXXX to XX/XX/XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from Chase to come through. When I could I would go to the local branch of Chase and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments.
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The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current.
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Now, here 's the rub. It seems that during the 3 month ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXXto XX/XX/XXXX but they also reported as late, the trial period payments ( XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX) even though they were made on time.
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My credit rating has since gone downhill now. I have written to Chase and even contacted the local Chase branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank.
The bank has replied basically saying " Tough luck '' I 'm a XXXX year old XXXX  Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information.
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I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it.
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I 'm at a loss!
1. I contacted Experian in XXXX of 2017 about items on my credit report. 
2. According to federal law, credit reporting agencies ( Experian ) must verify with the original documents that debts belong to me. 
3. I asked Experian via four different letters to verify my accounts with original documentation. They have not provided original documentation to verify accounts. 
4. Experian has not followed federal law and has not removed negative items from my credit report.
I requested a copy of all XXXX national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Corelogic Credo/ Data, requesting a freeze on my credit report as well applied online making the same request in XXXX and to this date I still have not received a response from this third party credit reporting bureau.My certified mail tracking information is showing that this company has not even sign for my letter as of the mailing date on XXXX/XXXX/2017. I feel that hey are indeed trying to give me the run around.
We moved from XXXX to XXXX for better jobs and higher education. Our house in XXXX was listed for sale. The mortgagor is Citi Mortgage. 
The house has still not sold, and we can not afford our living expenses plus a mortgage payment, so we began an application with Citi for short sale or DIL. We spent months submitting every scrap of documentation they requested. We received confirmation that our application was complete, and that a decision would be forthcoming. 
On XXXX XXXX, we received an email informing us that the house was sold in the sheriff 's auction on XXXX XXXX. 
The next day, XXXX XXXX, we received a letter in the mail from Citi stating that they had rejected our application for short sale due to our failure to submit certain documents. ( We submitted every document they asked for. ) Now, our house has been foreclosed, our credit is destroyed, and we have no opportunity to pursue a short sale because Citi sold the house *on the same day* that they rejected our application. 
A Citi employee finally revealed to me on the evening of XXXX XXXX that their negotiator had arrived at a price of {$110000.00} to satisfy a short sale of the house, which has a balance owing of around {$110000.00}. We were never informed of this. 
During the time we were waiting for Citi 's approval, the house was listed at {$120000.00}, and we received an offer of {$110000.00}. Being completely unaware of the negotiatior 's figure, we counter-offered {$120000.00} and the counter was not accepted. Had we known that a sale price of {$110000.00} would have met the bank 's requirement, we would have countered with that amount and possibly have gotten an acceptance from the prospective buyer. 
We feel that Citi rushed to foreclose on our house when our application for short sale was already completed, using the excuse of " missing paperwork '' to justify their actions. We were misled, intentionally.
I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.
XXXX inquiries were made to my Transunion credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Transunion a letter confirming that they were made in error. This was over a month ago. 

To this date, Transunion has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

These need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Transunion so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
I lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.
XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX
I ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!
I received a collection letter from a law firm representing XXXX XXXX. They claim I owe {$14000.00}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed 17 years ago, not my current name. I was divorced in XXXX of XXXX. I have a credit card with XXXX, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. XXXX had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
On XXXX I stopped by the branch to purchase {$2000.00} worth XXXX for my vacation trip. On Tuesday XXXX I received XXXX XXXX in exchange for USD XXXX that were debited from my savings account. This means the USDXXXX exchange rate applied was XXXX. 

However, the official USDCXXXX exchange rate on XXXX was XXXX ( according to XXXX XXXX. This means that, in absence of commissions and at a market rate, I should have received XXXX XXXX. The difference is XXXX XXXX or USD XXXX. 

The rate applied implies a 11.03 % fee for executing this transaction. This is a hidden fee, as it is not disclosed anywhere but implied in the exchange rate, and its size is absolutely abusive. The transaction itself is very simple and does not involve pretty much any costs for the bank whatsoever. 

I sent an email to the company through their customer service center to express my discontent and they told me to go to the branch. At the branch I was told that those are the exchange rates the firm approves and there was nothing they could do. 

I understand there have to be fees associated with a specific service provided, but those fees should be transparent and not hidden in a extremely unfavorable rate for the customer, who does not have an alternative way to acquire local currency.
I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!
I canceled my cable with XXXX last year in 2014. They sent a representative to pick up the equipment we had. I was home at the time and personally saw them. A few months later they sent a bill for {$120.00} for not returning the equipment. I made several phone calls to them over a few months period. I offered them to return and check our home for what they may have left behind. Nothing would work. They finally sent a bill of {$120.00} to a collection agency. We contacted them to resolve the matter and they were not very helpful. We contacted XXXX once again and finally thought the matter was resolved. As a matter of fact they actually agreed with us and even went so far as to issue a refund check for {$42.00} XXXX 2014. We assumed with the refund and numerous conversations that this matter was resolved. Fast forward a year later after no longer receiving any correspondence from XXXX or the collection agency we applied for a new mortgage and found it has destroyed my credit rating. I have prided myself on having a perfect credit rating for over 30 years! I pay may bills on time and have no blemishes at all on my record except for this. This small amount of {$120.00} has destroyed my credit rating and I am getting a run around from both companies. 
Against my better judgement I paid the {$120.00} in order to restore my credit. I have yet to hear anything from them and need help. Because of this I am forced to pay a higher interest rate on my mortgage. This is so unfair and upsetting. Please let me know what my options are. 

Sincerely, XXXX
My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.
I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.
I was pretty surprised after reviewing my credit report that I found a late payment on the following date : XX/XX/2017 The first thing I did was send in a request to yous asking to send me payment history with statement of the month which you claim I was late you simply responded with a letter that what your reporting is correct with nothing to back that up. 
I am not sure how this happened. I believe I made all my payments to you when I received my statements. My only thought is that my statement did get to me.