WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan company ( XXXX ) reported I was late with my payments XXXX times back XX/XX/XXXX, XX/XX/XXXX. At that time I had several XXXX, was not working, no money coming in. I called my student loan up & they granted me a temporary medical forbearance ( unsure what it was called ) good for 6 months which I renewed several times since I ended up having XXXX XXXX & not working almost 2 years. They were aware of the situation-I even offered a doctor 's letter, which they refused. Since then I have recovered, went back to work and have not missed a payment but this is impacting my credit score ( along with medical bills that were to be paid by the fault of the other insurance ) & I can not get a loan anywhere at a decent rate.
Key bank, XXXX & XXXX are reporting incorrect : 1 ) That my last payment to Key bank is XXXX XXXX, and is not, my last payment is XXXX XXXX. 
2 ) I paid late fees in XXXX I was never late. Please have bank credit back fees. 
3 ) They show 30 days late XXXX, XXXX XXXX was not 30 days late please have them correct this is affecting me
I have put in disputes to XXXX, Experian and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
Continuation of Case No : XXXX-Ditech Financial LLC Ditech did not honestly address the issues in my original complain beginning with the charges added to my bill for " repairs '' and they continue to fraudulently add charges each month for " repairs '' and/or " utilities '' that are not actual charges incurred on the property. I have attached my billing invoices from Ditech to show the charges each month starting with the XXXX statement showing the charges to prove the amounts they have charged. I have also attached a copy of my Alabama XXXX billing statement to show a complete summary of how much my monthly charges have been up through XXXX when Ditech called them and took over billing for the power on the property. My Alabama XXXX monthly charge has not been over {$39.00} since the home has been vacant. You can see that on this invoice beginning in XX/XX/2016. Ditech has NEVER paid for the Water/garbage on the property and I recently had the water turned off to the property and closed that account when Ditech informed me that they had the property winterized. I do n't know if they have actually winterized the property or not because I am 3000 miles away but since I have been told by a neighbor that there was a sign on my door that it had been winterized I am assuming it has. ( Although XXXX informed me that they were never contacted by anyone to winterize the property or turn off the water to the property by anyone other than me ). As you can see by the Ditech statements beginning with the XXXX statement and ending with the XXXX statement, I have been charged a total of {$1600.00} in additional charges labeled as " repairs '' and/or utility fees. I still have not received any invoices for these charges and I have asked for them several times. 
Also my deed in lieu has been approved and all additional liens that were showing on my home were cleared up within 1 day by me once I was informed that they were showing on my title. I also had all remaining articles removed from my home that Ditech stated they would charge me {$250.00} to remove at closing which was supposed to be on XX/XX/2016. The only thing I have heard from Ditech was that they were having trouble with XXXX and the negotiation of my second loan because they would not accept the {$2000.00} that they were offering them to settle their $ XXXX loan. I have been given no other alternatives and I have been told by XXXX ( the loan company for my second mortgage ) that the representative from Ditech has only called them 1X to discuss any type of settlement. Again, the communication with the mitigation representative ( XXXX ) at Ditech is unacceptable. I only received call backs the first week after my first complaint to CFPB. I need this resolved. I demand a NEW mitigation representative who is dedicated to resolving my deed in lieu and my negotiations with my second mortgage company. I demand answers. I demand integrity. These additional charges on my account are fraudulent and need to be investigated!
Suntrust Mortage is not giving me my interest tax statement for XX/XX/XXXX. I have requested why it was not sent by XX/XX/XXXX, and I was told they did not " process it. '' They are trying to force me to change a permanent loan modification granted in XX/XX/XXXX. I told them they can not keep my mortgage interest hostage to try to make me change a permanent loan modification.
On XXXX XXXX, 2015, and by certified mail, as noted above to the XXXX major credit reporting agencies, and as documented via uploaded signed certified receipt green card, with my complaint. As per the Fair Credit Reporting Laws, the XXXX listed credit reporting agencies failed to respond within thirty ( 30 ) days. Credit Agencies have listed the account with account number XXXX. The account number is NOT 100 % correct, by law if the information is not 100 % correct namely the account #. IT MUST BE REMOVED!
I contacted XXXX in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX
I have received numerous calls before XXXX Pacific time from this agency. Some calls are as early as XXXX Pacific time even though I instructed them that I am on the XXXX and calls this early are not appropriate.
I took out a loan thru Navient formerly XXXX XXXX and I have tried relentlessly to ask them to adjust my payment so that I can afford it. This has happened over many years. There working with loan holders is non-existent. At first my payments were manageable They started at around XXXX and I paid that for a year or so. Than they want XXXX and so on and so on. I have tried working with them and they say well lets do a break down of what you can pay and we see you qualify for those payments and so we did that more than once and then they come back and say well we can not do that because you do n't have enough money to pay that payment. I know they need to get paid I have no problem in that. If I could have paid more I would have but I have other student loans. I have XXXX and I do not know how many times that they made me so mad and XXXX out that I would XXXX. XXXX can lead to XXXX. I gave the phone to my wife and I can remember many times that they made her cry and did n't care as long as they got there money. Now they threaten me with going into default. My credit was good and now I do not even care about it anymore. They want us to commit to a payment I can not afford and so I pay just enough to get by. If we lose the trailer I live in cause I pay them then they will eventually get nothing because I will not have a home to go to. They have also asked at times if I could have a family member pay my payment. I hate talking to them because they just want more and more. I would like nothing more than to have the payment at a XXXX a month. It has tripled and is on the way to quadrupling since I started paying them. Sincerely Yours, XXXX XXXX XXXX
They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here
A IRA account was transferred to Bank of America. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Bank of America reading Pay to the order of B of A Cust for husband. Bank of America issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Bank of America as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Bank of America claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Bank of America in the name of Bank of America cust for husband. Wife can not secure information regarding the check since she is not named on the check. Bank of America was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Bank of America on XXXX XXXX, 2014.
I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.
I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.
I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!
I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.
Attached is XXXX ( " XXXX '' ) XXXX fax to Ocwen 's research department. 

We've sent to the servicer to explain the accounting errors she strongly believes took place that caused this mortgage to default and then to spiral out of control. The delinquency is now in the thousands, but she's had hundreds of attempts to resolve this. 

She has written out a letter that explains what happened and everything shes gone thru to try to fix it. 

She also has provided documentation from years XX/XX/XXXX-XX/XX/XXXX regarding this property tax issue. Please see attached. And proof that KC Treasurer has tried to contact Ocwen that she DID pay her taxes, and they fixed issue on their end, and was hoping that Ocwen would too. 

I have faxed this to the Ocwen Research Department today, and she's been trying to get this resolved since XX/XX/XXXX- now.
I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX  and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX  ). I am trying to clean my credit up to buy a house and I cant when these people keep  adding them after theyve been closed and deleted! Please help!
I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance.
Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.
XXXX XXXX XXXX and XXXX submitted a credit report adjustment to XXXX, XXXX and Equifax in order for them to remove the negative report. XXXX and XXXX did just that. However, Equifax did not.
XXXX sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency get together and research the information once one disputes. XXXX claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. XXXX claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. XXXX claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because I have tried to rectify this erroneous account with XXXX several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete.
Thank you