WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.
I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX
For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. 
I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. 
On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. 
I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.
XXXX XXXX Account # XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.
A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
We went to closing today at XXXX for a house on XXXX, XXXX Delaware XXXX. We have been told several different loan amounts and closing cost. I did not receive my final closing papers until this morning at XXXX and I had to call my mortgage company to get the figures. I was NOT given 3 days prior to closing. My loan amount was approved for XXXX but when I got to the table the loan amount was XXXX. This made our closing cost XXXX. We were NOT expecting to pay this closing amount. We did not understand where Movement Mortgage got their numbers from. Our mortgage loan officer did NOT even show up for the closing and when we called him at the table even the lawyer from XXXX was confused at what our Loan Officer was saying. We closed anyway but we need help and answers. There 's much more to the story so it is easier if someone would call us. XXXX.
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX  put 3 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # :XXXX with XXXX XXXX  Credit Report for XXXX XXXX XXXX  Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX XXXX Details XX/XX/XXXX XXXX : :XXXX XXXX   XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   : :XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

AND THE SAME HERE WITH TransUnion  MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company TransUnion put 2 negative negative inquiry in my credit report like you see bellow i contacted TransUnion and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.
I set these student loan Accounts on auto paid and thinking that is in auto paid. I got car accident and I was in and out of the hospital. I wasnt aware that the account was late. The company didnt call or send me a letter to inform me. I call them up explain the situation. I called the lender up explain the situation. They stated it was still my responsibility to call. I told them how can I Call if I didnt know ; also I was in out of drugs and was in multiple XXXX. When I was Partially recover I made may payment and contact the lender right away when I saw my credit score down due to the late on the student loan.
On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.
Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act.
I tried to authorize the app, " XXXX '' to use my Capital One 360 account but Capital One is blocking this feature. 

I should be able to pay for things with my money wherever and however I choose.
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
I have been paying on my student loan since 2007 and i have had several issues with the current company that has the loan. They will send a monthly statement and will have an amount due which might be XXXX dollars but every month i send the same amount of XXXX dollars that is taken out of my bank account 5 days before due date. Some months they call me and my co signer saying my account is past due or i didnt make a payment and i will have to make another payment or they will not quit harassing me or my cosigner. We are fed up with the harrasing calls and the unorganization of the student loan provider.
In XXXX I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on XXXX/XXXX/XXXX. 

Since that time, I have been contacting US Bank asking for a full accounting of my payments and a monthly statement. They refuse to provide a monthly statement stating " my loan is in a open active bankruptcy '' and they can not provide a statement. I have had my attorney fax them the complete information, the discharge order and the order closing the case ... and they just maintain that they have not received any information. I have fax transmittal records proving that they, did in fact, receive the information. 
I do qualify for HARP re-financing of my original ARM loan, but again, they refuse to talk with me because " ..my loan is in a open active bankruptcy ''. 
I want to get these issues resolved, and all of my efforts have been rejected by US Bank.
Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.
I obtained a loan through SunTrust Loan Servicer in XX/XX/XXXX and the account was on Auto draft ever since for full monthly payment ever month. Never late. 
In XX/XX/XXXX as a result of my divorce I asked for a loan modification that was approved in XX/XX/XXXX. 
SunTrust on its own reversed the XXXX payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's XXXX XXXX and XXXX XXXX. However, they persistently claimed that for the loan modification to be approved, it needs to show that XXXX payment is not n the record and that it will not effect my credit reports. 

The trial version of loan Mod was successfully completed by XX/XX/XXXX and SunTrust sent a full and permanent loan modification agreement with XXXX mistakes. On XX/XX/XXXX, in the presence of its banking branch VP, I immediately called XXXX XXXX and XXXX BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted XXXX XXXX on XX/XX/XXXX, she stated that " the agreement has not gone out yet, but it should ... ''. I questioned her about " 7-10 bus. days '' rule, she stated, " the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded. 
In the meantime, I pulled my credit from all XXXX agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what XXXX, XXXX and XXXX XXXX stated. 
I disputed it with credit agencies and called XXXX XXXX XXXX. XXXX XXXX now changed her statement, now claiming that we do report late payments and this account was late. 
Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since XX/XX/XXXX. In fact, it is even reporting the account 90+ days late for XX/XX/XXXX now ( when the payment was made on XX/XX/XXXX in the branch while I was speaking with its branch VP ). 
I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.
Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX, XXXX and Experian credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.
I have made several attempts to get this matter resloved with Transunion. I have supplied ample proof of my Information being compromised via the XXXX hack ( XXXX ), Government hack ( XXXX photo provide in CFPB complaint number XXXX ). You added a fraud Alert but are refusing to vaildate the XXXX account. Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Your fraud alerts do not work at all. I attempted to place a Credit Freeze on my account and was unble to. You are paid everytime someone runs someones credit so your only intrest is your bottom line. You have had 180 days to investigate this and still cant come up with the correct solution. Transunion cant vaildate this debut because the company is unable to validate this debut. This accoun should be remove within 3 business days. This violates the Texas Fair Debut collection practices act, established for this reason.Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
I looked at my credit report and seen something that I did not know of. I would like to file a dispute against it. It was not me.
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to EquifaxXXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
I am the XXXX y/o father of a student who graduated from college in XXXX. I co-signed for many of the loans. Some of the loans have been paid off and others are receiving payments. Navient is XXXX such creditor. The XXXX loans with Navient originated with XXXX XXXX. Due to our financial difficulties XXXX XXXX agreed, by phone, that we would be able to reduce our payments to {$300.00} per month for all XXXX. 
We have since filed bankruptcy and are living on Social Security. Our attorney filed a Cease and Desist order on Navient. On the XXXX of XXXX XXXX I was told at XXXX hrs by Navient representative XXXX ( XXXX XXXX ) that there were programs that Navient could tell me about that would help me with the loan but first we ( my wife and I ) " can only take advantage of reduced monthly payments and other assistance only if we void the Cease and Desist Order. '' When pressed for information Navient would not reply. I ended the conversation and continued to make the payments. 
Today, the XXXX of XXXX at XXXX hours I received another call from Navient saying that the caller was in a special department and could help me. I was informed they had only so much time available to help me with a proposal to reduce the balance and that my request for a written proposal would probably result in the time to make a decision expiring. With no chance of receiving hard copy of any loan information proposal, I hung up.
I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.