WillisBack/dataset-financial-user-claim huggingface dataset:
AES/XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information sinceXX/XX/XXXX2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, XXXX XXXX XXXX XXXX, and proof of identity to AES/XXXX back in XXXX 2017. After multiple calls I did n't receive an XX/XX/XXXX XXXX XXXX from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my XXXX XXXX XXXX. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from AES/XXXX  actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
In XX/XX/XXXX, I made an Agreement with XXXX Home loan for a {$40000.00} mortgage. Before I could pay the XXXX payment, the loan had been transferred to XXXX. XXXX held the mortgage briefly and then transferred it to XXXX XXXX XXXX, who transferred it to Green Tree Servicing. During the life of the loan, I paid approximately {$55.00}, XXXX toward the {$40000.00} loan, interest of {$15000.00} is not unreasonable. 
Recently, I inquired of Green Tree about the loan and the process. Green Tree responded that I agreed to pay XXXX 8.3750 % on the loan and that the 'Actuarial interest ' is calculated on a thirty day basis, marked as Ex. " A. '' The original note speaks of annual percentage not periodic as was being deducted from the payments. I consider this to be predatory lending and facts not revealed that should have been divulged during the time that the house was being purchased, marked as Ex. " B. '' Under the terms in which Green Tree speaks, at the end of the 30 years, I will have paid {$210000.00}. on a {$40000.00} loan. This is unacceptable. Green Tree advertise a 4 % interest rate, but failed to adjust or modify my rate to reflect today 's trend. 
On XX/XX/XXXX, Green Tree wrote me saying that on XX/XX/XXXX, an online payment of {$2500.00} was deducted from my account and applied toward the mortgage ; however, this was only a partial payment of {$2.00}, XXXX. XXXX XXXX monthly payment less escrow ), which was placed in the unapplied funds account, herein attached and marked Exhibit " C. '' Green Tree 's payment history does not show the XX/XX/XXXX payment, but, it does show that I owe a balance of {$36.00}, XXXX, marked as Ex. " D. '' The XXXX XXXX XXXX Office list the Assessed Value of the home at {$12.00}, XXXX, this would make the house {$27.00}, XXXX underwater. The same office places the Market value at {$35000.00} which is {$4.00}, XXXX under the loan amount, marked as Ex. " E. '' The difference between the Market Value and the Assessed Value is : $ XXXX {$23000.00}.
I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting Experian I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the Experian representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the Experian rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions.
The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.
Transunion experienced a computer glitch the early part of this year that deleted my inquiries off of my credit report. Transunion later added the inquiries back on to my credit report without giving me the legally required 5 day written notice prior the inquiries being added back on to my credit report. I called Transunion on  XXXX / XXXX /  XXXX   and spoke with a foreigner and I asked for the inquiries to be deleted, and I was denied. The rep stated that I was not a victim of identity theft, and that the inquiries would remain on my credit report. The rep hung up in my face. These inquiries add a hardship as I 'm constantly denied credit and my rights were violated by TransUnion.
There recently was a large security breach at Equifax. From my understanding, intruders accessed names, social security numbers, birth dates, addresses, and driver license numbers of those who used their service from midXXXX through XXXX of XXXX. I have been looking for a home in the past 3 months and in order to be approved for a loan, have had my credit pulled. Being a first time home owner has been stressful and exciting but learning that I may be at risk of identity theft has put a large cloud over the experience. Furthermore, I may be at risk for identity theft for my entire life with this information stolen.
I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.
In XXXX I noticed my payment increased by roughly {$100.00}. When I enquired with Nation-star, they advised I had an escrow shortage on my account for the XX/XX/XXXX taxes. Furthermore they anticipated taxes to increase in XX/XX/XXXX, thus they needed to build up the escrow balance. I 've made all of my payments since origination and there is no reason that there should have been a shortage on my Escrow account. During the year of XX/XX/XXXX my loan was being serviced by XXXX financial services. XXXX was purchased by Nation-star thus my loan transferred under their servicing umbrella. I informed Nation-star should have provided me a notice informing me my payment was going to increase. They advised they sent a letter informing me. I requested they send again so I could have for my records and I still have not received the notice. I also requested a full escrow analysis to be completed on my account. My understanding is they have 30 days to send this information. As of today, I am yet to receive any information. I requested this information in early XX/XX/XXXX. Nation-star has been unable to provide sufficient documentation supporting why their was an escrow shortage. I believe there was a miscommunication between XXXX and Nation-star and now I 'm paying extra due to their lack of detail during the service transfer. 

I 'm helping the CFPB can help me gain a full understanding as to why their was an escrow shortage and why i 'm being asked to pay an additional monthly fee to compensate. 

I would also like to understand why I have not heard anything regarding my dispute since XXXX. 

Sincerely, XXXX
I closed on my CitiMortgage home loan in XXXX XXXX. In XX/XX/XXXX, I lost my job, and filed for bankruptcy in XXXX XXXX. I continued to make my mortgage payments. Since that time, I have been unable to access my loan online, create auto-payments, check my balance, escrow, etc. CitiMortgage regularly sends out someone to 'check occupancy ' and charges me for this. In XXXX XXXX, CitiMortgage notified my home owners insurance company that I no longer lived and the house was vacant. I have lived in my house continuously since the day I moved in, and I make my house payments. CitiMortgage sends me XXXX letters and XXXX envelopes a week. When I call to get this cleared up, I am told : 1. I owe thousands in fees and charges 2. No one can help me. 
3. I failed to 're-affirm the mortgage when my bankruptcy closed and the only way to do that now is to file bankruptcy again. ( I am financially solid now ) 4. My attorney tells me that CitiMortgage ( like XXXX -my auto loan company did ) was responsible for sending out the re-affirmation. 
I am caught in a viscous circle of everyone pointing fingers, charging me thousands in fees, sending me a demoralizing amount of mail all saying the same thing [ if you need help, call HUD. I do n't need help with paying my mortgage..I need help accessing my mortgage and getting the fees removed ]. I need help stopping the occupancy inspections and false notifications to my insurance company of abandonment. 
I want my mortgage cleared of all fines, and released to my access.
In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.
Summary : We went to Citizens ' Bank for a mortgage to buy our first home. The Mortgage Loan Officer initially promised us a 4 % mortgage rate. After we agreed to it, he later said the best he could get was a 4.125 % rate and that he would lock us in at that rate. After that, less than 4 weeks before the closing date, he said that he had not locked us in at 4.125 % and that he could only get us a 4.25 % rate.
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This was a bait-and-switch, as he twice clearly promised us a lower rate only to re-neg on it as we got closer to the closing date of the home purchase.
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Chain of events ( all dates in 2017 ) :  XX/XX/XXXX  - My wife and I get a pre-approval from a Citizens ' Bank Mortgage Loan Officer ( MLO ) to make an offer to purchase a home. The pre-approval rate is 4.125 %, but the officer says he is sure he can get us 4 %.
3/6 - Our offer is accepted.
 XX/XX/XXXX  - We send the MLO all requested documents to process the loan.
 XX/XX/XXXX  - MLO calls and informs me that he could not get the 4 % rate he said he was sure he could get, and that he could get us a 4.125 % rate with some lender credits to make up some of the difference. We decide to continue with the mortgage process. XX/XX/XXXX  - Bank sends us a letter stating that our rate will be 4.25 %. I emailed the MLO to ask what happened, as he had previously said he had locked us in at 4.125 %. He said that he had been unable to get the 4.125 % with my credit history ( which is excellent, my credit score is 750+ ).
 XX/XX/XXXX  - MLO asked for my wife 's credit history to see if that would get us the lower rate. He later emailed saying that her credit history would definitely get us the 4.125 % mortgage.
- This should n't have been necessary, as he told us that he had locked us at 4.125 % without my wife 's credit history, but we continued because the closing date (  XX/XX/XXXX  ) was approaching soon and we did n't want to switch banks.
 XX/XX/XXXX  - Over email, MLO again confirms that we would be getting the 4.125 % rate.
 XX/XX/XXXX  - MLO asks me to change my wife 's status on our credit card from " Authorized '' to " Joint ''.
 XX/XX/XXXX  - MLO asks for my wife 's   XXXX   and  XXXX  W2s. We provide them.
 XX/XX/XXXX  - MLO emails and says that he was unable to get the 4.125 % rate that he had promised and that we would have to take a 4.25 % rate. The closing date was scheduled for  XX/XX/XXXX , so this was just under 4 weeks before the closing date.
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After this, I complained to the branch manager, asked the seller to move the closing date back and began negotiating with other banks. Based on the above chain of events, I did not trust the Citizens MLO to accurately give me a loan rate, and we finished the mortgage with a different bank.
I transferred my federal loans from XXXX to XXXX XXXX, so that I could be apart of the Public Service Loan Forgiveness Program ( PSLF ). Under my older servicer, I made payments that would count for PSLF. XXXX was supposed to look at my account history from my older servicer to current and calculate the number of payments that I had already made that counted toward PSLF. Months after I transfered my loans, XXXX notified me that none of my payments that I had previously made counted, and that I had no payments toward PSLF except for the two I had made to XXXX. I called my old servicer and asked for my loan history and they showed that I had made payments for the past 6 years, and they said that those payments should qualify because I was in the proper payment plan and paid on time. I have tried to work with XXXX and a customer rep said they had actually not looked at all my account and she added a note asking that they finish and that they would be back to me by end of XXXX. It is XXXX and there is no change and Fedloans is not working with me.
COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.
I am trying to sell and close on my property and and contacted Loan Care for my payoff. I contacted them as well as the title company on XX/XX/2018. It is not XX/XX/2018 and they still have not provided the payoff information and after numerous attempts in contacting I keep getting the run around and no one seems to know why they can not generate the payoff information. Every person I speak to at Loan Care seems oblivious to the process and provides various answers as to why they do not have the payoff. I have already missed one closing date on a cash sale and about to lose another because of their incompetence. I have never had such a hard time requesting a payoff from a loan provider.
I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My Experian shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit.  Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.
My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.
My account is reporting a debt with the defense finance and accounting services and the is no debt I have called XXXX and they have verified there is no account
Was hospitalized for an extended period in late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. Creditors affected agreed that card was used fraudulently and charged-off balances as not belonging to me. Other creditors deleted any mention of the fraudulent account and issued me a new account.
I fell behind XXXX car payments with Chase Auto Finance on my 2011 XXXX XXXX due to temporary hardship. I was forced to authorize automatic payments from my checking account in order to show my efforts. 

As a scheduled payment was attempted, I realized that my bank rejected the request due to non-sufficient funds to cover the full payment of {$320.00} ( approximate ). I immediately contacted Chase to stop ALL checks from going to my bank and set up weekly payments until I 'm current on my loan. 

The agent advised that NO OTHER PAYMENTS would be requested understanding that the most recent request was being rejected. She advised my account would be noted regarding WEEKLY payments to bring my account current. 

During the work week, Chase called me and left a voicemail. As I was unable to take time from working, I did not receive the message. On Friday, the XXXX, the repossession company collected my vehicle approximately XXXX. 

I was caught off guard due to the arrangements set up with Chase the week prior, which I maid the first week 's {$100.00} payment and the following week would bring the account only 30 days behind. There was not an email sent ( my preferred contact method ) about my loan being at the point of potential repossession. 

Though I have asked for my communications to be reviewed to correct the errors, Chase insists that it is a valid repossession and the full amount, nearly {$14000.00}, will be needed in order to reinstate my loan and reclaim my vehicle. 

I 've offered to catch up all my payments ( {$300.00} x XXXX payments ) within one month 's time to bring my account back in good standing as my financial status has improved. However, without a vehicle, my efforts are hindered. 

Every day my payments get further behind, my credit score worsens, plus I now owe the repo company storage fees unless I alow the vehicle to stay beyond 10 days, leaving redemption into repossession status. 

No one at Chase is working with me to get me back on track from a bump in the road followed by an employees lack of training on my account status and possible effects. 

Please help protect me and my daughter from being without reliable transportation to her school and my work. 

My car payment history is not perfect, but I 've always had the ability to pay on them. Due to a divorce and unforeseen economy, my payments became an issue, but never neglected. I would always communicate this.
Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.
XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.
Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.