WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX after 26 years of employment my husband lost his job. we were struggling to pay mortgage and applied and were denied a loan modification in XXXX of XXXX. After receiving an attorney letter in XXXX of XXXX regarding the full amount of our mortgage plus interest being due, we called and were told to avoid foreclosure we should request a mediator. We were assigned one with the Superior Court of New Jersey after approximately 3 months. This process was ongoing for approximately ( 7 ) months with various conference calls between the mediator, XXXX ( different rep. each time ) and myself. I have over 53 emails between myself and the Attorney 's office assigned by XXXX asking for the same information over and over. As per the mediator, we were supposerd to have it resolved in 1 or 2 conference calls, however, he would postpone it for another 1-2 months at the banks request for me to send the same information because of " nonsense '' reasons given by the Bank 's representatives. The loss mitigation package contained numerous pages and questions and documentations. Finally in XXXX of XXXX after three " trial mortgage payments '' our loan modification was approved. We received the " loan modification ''. The terms and conditions are not only impossible to recoop from they are not financially helpful nor are they in any terms helpful. The rate stayed the same. Our mortgage balance of XXXX was changed to XXXX. Accrued interestt and Escrow totalling 36,000 + was added to the 18,000 plus " other recoverable advances '' in the amount of XXXX totalling {$53000.00} was added to a Deferred Principal Balance due at Maturity in the year of XXXX. We mortgaged this home in XXXX. So to recap, our principal balance was lowered to XXXX, however, all interest, etc. including the amount they took off our balance is due when we sell. In lieu of all the waiting, frustrations with duplicate submissions, all for a reduction of {$150.00} from what we previously were paying. Nothing was done to financially help us get back on track. Our home was valued at XXXX. THIS CANT BE LEGAL.
I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.
Good morning, XXXX states : " In XX/XX/XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for XXXX. XXXX XXXX Investment Banking Strategy [ XXXX ] included " the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' In XX/XX/XXXX, the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 

In XX/XX/XXXX, Select Portfolio Servicing received a $ XXXX bailout from the US Government TARP program. As of XXXX XXXX, XXXX $ XXXX has been dispersed to the company. The company has not paid back nor are they expected to pay back the funds. [ XXXX ] [ XXXX ] '' Can you help me understand this? XXXX XXXX buys you for XXXX. You take XXXX as part of a " bailout ''. You never repay the bailout. How does this work? What did you use the XXXX for? 

XXXX
I have been dealing with so -called navient for a few years now. Orginal school was XXXX college but i guess its convert to XXXX college. Sallie mae was the loan server that is display on the promissonary note. I dropped out of school in the first month because the school was misleading. During that time XXXX tried to get a loan from salie mae but was denied. I contacted XXXX college to look for my information but they have no record of me Navient claims i owe XXXX dollars But they cant provide proof of my signature that i accepted this loan amount but they did send me a letter saying i was denied the loan so where did this money come from? seek supporting documents.
My XXXX XXXX XXXX XXXX XXXX credit card # XXXX is lost/stolen, and all the transactions are fraudulent and unauthorized.
I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus
On XXXX XXXX, 2016 I submitted an application for an American Express Platinum Credit Card and I was subsequently approved. The basic terms of the application indicated that if I were to spend {$3000.00} in the first 3 months of having the card I would be awarded XXXX Membership Rewards points. I completed the minimum spend requirement within XX/XX/2016 and XXXX points were awarded to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I was informed by an American Express Membership Rewards customer service representative that my rewards account had been frozen and that I would not be able to utilize my points until a review was completed. I was informed the review would take 6-8 weeks. On XXXX XXXX, 2016 I spoke to both an American Express Membership Rewards customer service representative as well as a supervisor and both informed me that my rewards account was still under review and that they had no indication as to when the review would be completed. I stated that it has been more than 8 weeks and that is beyond the terms and conditions of the credit card application that indicated points would be awarded 6-8 weeks after meeting the minimum spend requirement. As of today, XXXX XXXX, 2016 I am still not able to utilize the XXXX points in my rewards account. That number includes the XXXX bonus points as well as XXXX points that were not part of the bonus reward.
they are reporting a tax lien that was withdrawn and dismissed as an error in the courts. This was filed against me in error and they have it on my credit report.
This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.
In XX/XX/XXXX I purchased a Truck that was financed through Santandar Consumer. The truck stopped working and they picked the truck up. Santandar then put the repo on my credit and sold the truck for the remaining loan balance. Santandar advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XX/XX/XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same santandar loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.
Someone got my card, charged {$220.00} from me, ordered a bunch of stuff from XXXX, XXXX, XXXX XXXX XXXX, there was quite a bit more but I cant remember what else it was that they got. All I know is that when I tried to use it the machine kept on denying my card. So I had to order me a new card, I am still getting money taken from me every month there is almost {$150.00}. missing off my card, I dont go anywhere to buy anything, I dont order online. My S.S.I money is the only way I live, having people steal it from you each month its hard to live on it. I HAVE HAD MY IDENITY STOLEN FROM ME, THATS THE REASON WHY I CANT GET MY CREDIT SCORE UP. There are people out there that is using my Social Security number to get credit cards, all kinds of other things while I sit here trying to get our own place to live, we cant even do that because someone is putting my name to shame or giving me a bad name for using my information. WOULD YOU PLEASE CHECK OUT MY XXXX XXXX  ACCOUNT, MAKE SURE ITS NOT ME THATS TRYING TO PURCHASE CREDIT CARDS, LOANS, CARS.
My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. Bank of America is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
I have a hard inquiry on my credit report from XXXX. I do not know or have I authorized such inquiries! Please take this off my report as soon as possible! Thank you! 

XXXX
On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.
Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : SSN # XXXX Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX and XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XX/XX/XXXX above account on XXXX report . After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and Transunion deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX and XXXX credit report above Late payment on XX/XX/XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
Due to consideration XXXX major agencies reported same account as a accordingly and due to FCRA I can request to removed that late payment above account your agency as well. 
Please remove that Late Payment as soon as possible your credit file. 
Thanks XXXX XXXX XXXX
I have been a victim of identity theft since at least  XXXX / XXXX /  XXXX  . I filed an initial fraud alert with  XXXX  and they forwarded it to TransUnion and  XXXX . I received confirmations from  XXXX  ( dated  XXXX / XXXX / XXXX  ) and Trans Union ( da ted  XXXX / XXXX /  XXXX   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [   XXXX   XXXX   XXXX   ] Police Department )   XXXX    's i nformation notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmatio ns (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not  confirm my identity. In another case, because the system hung up on -- selling me -- my credit score a nd would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my transunion credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in th em.
I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.
Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.
XXXX XXXX Account Number : XXXX I sent police report. was ignored I sent affidavit document was ignored I did all the legal way. I sent all my documentation proofing that I 'm a victim. Nothing to even respond. I have all my certified mail copies and return label also and I did upload file came from capital one which is totally not an application seriously. it does n't provide me account number or anything. Also when I called and ask XXXX and Equifax customer service they told me we ca n't give you response and any documentation and this will stay on your report forever as long as they want and that 's totally wrong honestly and I 'm feeling now these companies they are violating my rights please help and no one above the law that 's what I believed forever. please give me a written documents that my signature on it or delete this. 

Please, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.
I have a debt for a total of {$780.00} being reported on my credit report from a company called XXXX XXXX XXXX, I have called them and sent them documents to remove it and all attempts have been unsuccessful. They told me the debt is from XXXX XXXX XXXX a visa credit card open in XXXX XXXX where Ive never been. Called XXXX XXXX XX/XX/XXXX, XXXX  I. Had a company called credit repair fixing my credit and they also were unsuccessful. XX/XX/XXXXI called again and still cant get it removed.
Rash Cutis and Asso. contacted myself XXXX about a debt ; I stated my medical bills were paid when I moved from CA and never received a bill they are referencing. I told them to provide validation of the debt via mail and if it was valid, I would call them back to remediate. Until then, stop calling. The guy said he could email me the bill. I responded how can you securely email my bill if that is PHI data? He said it would be encrypted. I asked how? How can an email be encrypted if I do not have a copy of the public key? he had no answer. I told him he can not send me encrypted email without the recipient having the public key. I told him that he lied to me and attempted to deceive me and he apologized. I told him to ensure that I am not called since his approach lacks the ethos that is expected in the industry. He also told me if I give him my credit card info and pay, he would make sure it was " like it was never on my credit report since he had connections to do that ''. 

The following day, I have received five calls from robots ( no one there ) and disrupting my day. I am also receiving text messages when I never authorized texts and incurring cost. I called the number after the text and asked why am I receiving texts? I was told I should not be and that they have not validated the debt. I also asked why am I getting calls if I asked to be removed? XXXX said well it was my and implied the longer I wait that it will get worse.
I got a payday loan through the XXXX XXXX in XXXX Illinois in XX/XX/XXXX/XX/XX/XXXX. I paid the amount due and paid the entire loan off in XX/XX/XXXX in the amount of {$220.00} and was told there was no balance due. I now have it on my credit report for {$220.00} in debt because they never credited my account that it was paid. I am upset that this is still on my credit report even though it has been paid off entirely.
Submitted a short sale package to Shellpoint on XX/XX/XXXX. To date I have not been contacted at all despite being the Authorized third part and my multiple calls to the point of contact. This company does not communicate or keep track of documents, I have literally emailed and faxed documents XXXX of times and each time I call in customer service tells me they are still missing them. It 's like they are working files from XX/XX/XXXX and have not updated their systems and are not following regulation x.
I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.