WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is being serviced by Nationstar. Approximately nine months ago they ( Nationstar ) started to post my regular on time monthly mortgage payments as principle only. I had to contact them each and every time to repost the payments as a regular mortgage payment which they agreed to do. At the end of XXXX XXXX they sent me a notice that my monthly mortgage payment would increase by {$200.00} due to increases in real estate tax and insurance. I submitted a copy of the municipal real estate for XXXX to show them that the tax was an increase of {$54.00} for the whole year or less than {$5.00} per month. They refused to acknowledge their error and are demanding the additional {$200.00} per month stating a need for a more positive cash flow.
I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX
Wells Fargo is making it exceedingly difficult to pay off this car loan. Very little information was given to me concerning my options, and also it was conflicting information. 
At first, I was told I could walk into any Wells Fargo Branch and give them cash. This would pay off my loan immediately. Then, I was told I could not pay off this loan at any branch, because the computer systems were different. 
The third time, I called, I was told yes, I COULD pay off the loan, just not state it was a payoff. 
I am confused. 
Also, I was never told I could negotiate the interest on the loan. 
Also, when I requested a copy of the transcript ( which they tell me is recorded ) I needed a subpoena to get it.
In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''
I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.
This is an update to the claim where the bank reversed a credit of XXXX TWO times and they were wrong and did it in error and now recently sent me an email claiming they will give it back but have yet to give it back. I have made 0 purchases as a result and they never issued the the money back yet claimed they have by email. Please have a President Vice President or CEO contact me and oversee the process where it is Actually, given back to me and not just stated that it will be given back to me. They have my account in the negative because they never gave it back after claiming they would give it back. Please stop them from stealing from me and messing up my account ledger.
After several conversations with Navient, I was FINALLY able set up a six ( 6 ) month payment plan ( after an hour and a half on the phone and confirming my and my co-signer 's financials ) for more than I could afford, but the " best that could be offered to me ''. Since then, I have made one payment and received several ( around seven ( 7 ) or eight ( 8 ) calls over the course of three weeks ) asking me how I would like to bring my account current. Today, I spoke with them again, informing them that the phone calls are now getting ridiculous and that they need to work their system better if they couldn't see that I had set up payments. In today 's conversation, I was informed after them reviewing my account, that the plan I had been " approved for due to an override from a manager '' I no longer qualified for. I was also told that because I had a co-signer, they were required to help me because that's what a co-signer is doing when they agree to sign for the loan. I informed them that my co-signer was yes, able financially, but not willing to help me due to the age of the loans and the fact that I had been able to pay them in the past. 

I am now trying to work with them in regards to payments, but because of my co-signer 's income, they are telling me I do not have any programs to qualify for lower payments on. My original plan was three payments of {$44.00} and change, followed by three payments of {$100.00} and change. I am now told that I MUST make a payment of $ XXXX/month for 15 months set up all at one time or my account will be reported delinquent to the credit bureau. I have XXXX children ages XXXX and under. With my check barely ( or not quite barely ) able to cover insurance and childcare, we are left with my husband 's income to pay the rest of our bills every month. These student loans were taken out in XXXX ; making these accounts XXXX or more years old. I currently work for the lXXXX XXXX XXXX  and had been hoping that I would be able to qualify for student loan forgiveness and now that seems to be out of reach. I don't know what I can do, where I go from here, or how to handle this.
I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.
I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.
Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do
I have made MULTIPLE DISPUTES WITH YOU ALL THROUGH XXXX  AND YOU ALL HAVE YET TO REMIVE THE ACCOUNT OF MY REPORT. I have contacted you all on several occasions advising you to send debt validation or remove item from my credit. This is hindering my score and the debt is not mines. If you all can not and will not provide the REQUESTED INFORMATION remove it from my report or I will now start to take further legal action for incorrect reporting as it is stopping me from what I have planned for my future. REMOVE THIS DEBT IF YOU DO NOT HAVE VALIDATION MEANING SIGNED PAPERS WITH MY SIGNATURE!!!!
On   XXXX    , i received a call from a representative from BAS  XXXX  by the name of  XXXX  employee ID :  XXXX  from telephone number   XXXX   XXXX   XXXX   at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them date d  XX/XX/17   stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on  XX/XX/2017   .
Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.
I received a call from Northstar Location Services regarding the debt of a relative. They also contacted another relative, disclosing the relative 's debt, as they also did to me. They also left a message on my cell phone ( all contacts were made to our cell phones. ) No one ever gave them permission to contact us, especially on our cell phones. The caller was deceptive as he asked " who is this? '' When neither of us would disclose our names, he gave out the information that they were a debt collector and the name of the person involved in the collection.
I have an auto payment with Honda Financial Services. I am not late. I have never been late. I have a 15 day window to make a payment after the due date and utilize this occasionally. I always pay before the 15 day window. I scheduled a payment with a representative for my XX/XX/XXXX payment to be paid ( withdrawn from my bank acct ) on XX/XX/XXXX which is within my window. I have received XXXX calls since XX/XX/XXXX. XXXX phone calls just today. It is harassing and I've asked HFS to stop this. I can not sit on hold upwards of 20 minutes over and over again. I am thoroughly disgusted. I would appreciate any assistance with putting an end to this constant unwarranted harassment. All they have to do is check and will see my payment is scheduled. This is every month for 2 years. I can provide a copy of my credit report as proof I've never once been late paying this account. 

Thank you. 
XXXX XXXX
On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX
Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.
My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site.
I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.
I submitted a payment on XXXX to pay off Loan XXXX Stafford - Subsidized with the amount of {$1300.00}. 

On XXXX, Navient attached an additional balance of {$430.00} to the loan amount with no explanation as to where the new balance is coming from.
I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.
Im trying to get to the bottom of why my Equifax score dropped 20 points over night back in XX/XX/2018, when everything is paid off and I have no hard inquiries or anything lik that. I requested my free credit reports on XXXX and successfully was able to view my XXXX and XXXX reports, but of course the only one I was trying to see ( the Equifax ) was the only one that mysteriously was unable to view online. Even after successfully passing my identity verification disclosures. Im unable to make any type of  dispute with Equifax unless I can see it online, and for some reason, or another, theyre essentially making it impossible to do so.
I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.
On or about XX/XX/2018 I was reviewing my Wells Fargo credit card account to make an additional payment besides the one that is automatically withdrawn from my checking account and noticed that my limit had been changed from {$11000.00} to {$7000.00} without notification. I finally received the notification 7 days later in the mail. I telephoned them to inquire why this had happened. I was told that Wells Fargo reviews their customers credit worthiness periodically. What I did not know was that they were all over my credit report not just their account my whole entire credit history. I feel that this is not fair. Wells Fargo should only be looking at the way I pay my Wells Fargo accounts. I have never been late, I have paid off my line of credit and credit card several times however, at this time I can only pay the minimum payments due to financial hardship although I am never late. The main reason for my frustration is that their decision has a negative affect on my credit score. I believe that it is unfair to review my credit history from other lenders Wells Fargo should only be concerned about how I repay them. Additionally, I never had a problem with Wells Fargo correctly regarding my payments to the credit reporting agencies I have a problem with them reducing my limit based on my overall history.
I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.
Experian has a Dismissed Bankruptcy on my credit report, which is a violation Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Additionally, the following accounts are still listed as a bankruptcy when there was no bankruptcy on my report. All these accounts are being reported inaccurately and need to be removed immediately : XXXX 
XXXX 
XXXX 
XXXX
I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.
In the XX/XX/XXXX I put in for my financial aid and was told everything was ok, only to find out that the financial aid office had messed up mine and several other students aid packages. The mistake left me owing approximately $ XXXX to the university. I started making payments to the university but was a student worker and was living on my own. This added a tremendous amount of XXXX to my life and then the university cut my hours. In the XX/XX/XXXX I stopped college due to the financial issues that I was having with the university. I had given Information about my issue with loan holders online, they told me that they would work with me. About 3-6 months later I found out that XXXX XXXX had my loan, I told them of my financial problems and started making small payments on my loans, then the job that I had cut my hours in half. I then contacted XXXX XXXX to explain my situation and then all of a sudden my loan is in the hands of Coast Professional Inc, and during the transfer they are charging an addition approximately {$8800.00} penalties and interest. It upsets me that my student loan went from about $ XXXX to now $ XXXX in less than 2 years. Now I finally started a decent job that I can afford to start paying on the loans again but I do n't like the fact that nearly $ XXXX was tacked onto my account. I was honest about my lack of ability to pay during a XXXX period of my life and feel that I ' ve been gouged by all the interest and penalties added to my account. Please let me know if I have a way to get a fair loan with more reasonable lenders.