WillisBack/dataset-financial-user-claim huggingface dataset:
If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.
Upon checking my credit, I have an open collection for rentdebt, I have never received any documentation of a debt owe, I would like a debt validation notice, verifying this is my responsibility also the proof they are able to collect debt in the state of Texas, I would like the surety bond information as well.
After almost 4 weeks of trying to reach XXXX from cascade collections. She finally emailed me and told me to call her as she has very little options for payment plans. I called her and she started to tell me I need to get a loan or a family member to lend me {$5000.00} to payoff this debt as my {$100.00} set up payments are no longer allowed she also said if I disagree there will be a judgement against me told me she knows I never had any and I should try to get the money before it happens she asked me what else do I pay and to provide 3 months worth of paystubs than her and her manager can look over. I told her I have XXXX kids and the father of my kids is not with me. I told her I can not afford a lot. I really cant. She told me since there has been a retuned check she can not accept payment with checks I advised I can pay with debit card she said first I need to see if I can get a loan even from my XXXX and she asked what loan places I have used and I did tell her I have tried but I can not get approved I told her if when I get my taxes I would clear the balance she said with all those kids you get a good refund. She also stated if I can not do {$300.00} a month she is not going to accept payments and will sent to involuntary collections where my credit will be affected. I asked why if for the past weeks I have attempted to satisfy my delinquency? She didn't address that question and told me to send her 3 months worth paystubs. We have never had a written agreement she always was helpful up until now she did state her manager is the one telling her to not accept payments. She also asked if the father of my children pays child support I said no that I am currently working on taking it to court she asked how much you asking for child support I told her {$500.00} and she said I could use that once it starts. I am pressured and scared for my livelihood I pay XXXX of rent and my car and insurance is almost {$1000.00}. She and I had an agreement that they would wait for my taxes to payoff now they want the full balance and said her client ( XXXX XXXX XXXX ) Comes first
XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.
I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a collection and late payment on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, this collection would have fallen off due to inability to validate, and the late payment would have come off as I was never late on this account. I am not receiving proper correspondence from the bureaus and at no time have I received proof of ownership for the collection account that is reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.
Experian is reporting inquiries that are greater than XXXX XXXX XXXX.
Hello, Collection Consultants shows up on my XXXX report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : Capital One Bank : Account Balance- {$1000.00} sold to XXXX XXXX Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX  : Account Balance- {$910.00} sold to XXXX XXXX XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX
Nationstar mortgage company purchased my mortgage from XXXX in XXXX of XXXX. Since I had a conventional loan originally, I qualified to have my PMI removed after 2 years. I submitted the PMI removal request to Nationstar officially on XXXX XXXX, XXXX. They initially tried to tell me that I could not have it removed because of a late payment on the account, which happened only at the time that Nationstar initially transferred the loan over from XXXX, which happened without my knowledge. I made the XXXX payment to XXXX, they never cashed it, and the payment was never sent to Nationstar. I had been in communication with Nationstar all along about this, and even though the " official '' payment was a few days late, they agreed to not charge any late fees because they were aware of the miscommunication between the XXXX mortgage companies and I. Regardless, I waited until the official " wait time '' of 1 year with no delayed payments to check on the status, and after I called them today, they stated that my current Loan to Value ratio is at 90 %. When I asked them how they got to this figure, no one was able to answer that question for me. One person was able to give me the initial appraised value of my home at the time of purchase in XXXX, which placed my LTV ratio at 78 %, but still, no one could answer that 90 % amount, and they stated that if I wanted to remove the PMI, then all I needed to do was pay {$60000.00} toward my loan and then it might be removed. After going through XXXX different departments, I was finally told that I now need to re-submit the PMI removal request, and that they would send me a new form ( which i still have not received ) and start the entire process all over again. At this point, it is clear that they have no intention of removing the PMI from my account.
On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files. Under the Fair Reporting Credit Act, the Creditor and Credit Agency are required to notify me within 5 days of re-inserting the previously deleted items. Also, the creditor is reporting inaccurate information. 

Agency Creditor Account Equifax XXXX XXXX Item Status XX/XX/XXXX ( Item was removed and latest credit file showing item re-inserted and with inaccurate information ) ( View Attachment ) As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately.
My name is XXXX. I took a FHA loan with XXXX XXXX and the co-signer is XXXX XXXX through Wells Fargo Bank. Around 2009 we had a financial hardship and started a short sale. Every 3 months Wells Fargo asks us to submit paperwork including tax forms, pay stubs and bank statements. Then they do nothing. We have had many buyers and still have a buyer now. The bank is very slow and does n't do anything with the paperwork. They wait until the 3 months is up then tells us it 's expired and asks for us to submit everything again. This has been going on for seven years. Every time we call them to check on the status all we are told is that it is in process. Now we received notice that a sheriff sale is scheduled. We postpone it twice already and will end up having to go to court to fight it. This is extremely frustrating. Wells Fargo is the worst bank I have ever dealt with. I continue to get calls from them trying to collect a debt and when I explain we are in the process of a short sale I am transferred several times and the outcome is always the same. I need help getting them to actually do their job. The sad part of this whole situation is the reason we fell short on the mortgage. I had to shut down my checking account for fraudulent activity. Because my account was frozen I mailed money orders to Wells Fargo for the mortgage payment. Money orders do n't exceed {$500.00}. so I had to send XXXX money orders. A few weeks later Wells Fargo sent the money orders back in the mail and charged a XXXX late fee. I contacted them and was told that a machine opens the letters and because I had more then XXXX money order in a envelope the machine could n't process it and they had to charge a late fee. We were living paycheck to paycheck and were unable to pay the late fee in full. So every month after Wells Fargo charged another late fee onto the mortgage. We could n't afford it. Eventually we stopped paying and started the process of a short sale. Please contact me if you need proof of documents of the short sale process.
EQUIFAX is not letting me put a FREEZE or ALERT on my account. I have been trying over one week online to do so. Conveniently, they say can not find my record. Particularly odd since I downloaded my free credit report last week and I was easily able put freezes on at XXXX and XXXX. I know my information ( name, SSN, ... ).
Consumers should NOT HAVE TO PAY for the freeze for at least 5 years. I never authorized them to collect and aggregate my information. They caused the problem. They need to cover the cost of freezing/unfreezing and any lost time/money/funds should nefarious actors get my account. PLEASE JUMP ON THIS! I have a right to immediate protections and that 's today - not next week, or next month.
When I say I want a freeze, I get the screen shot attached that does n't offer me an opportunity to put a FREEZE on. Can not proceed past this screen.
it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Several years ago, we were granted a loan mod by Bayview Loan, who are servicing our XXXX XXXX XXXX mortgage. There have been no issues inasmuch as we have never missed or been late with a payment. But suddenly, in true form, theyve decided that our loan mod is no longer viable! No reason! If you check your database, youll see that I started reporting my findings about XXXX many years ago, and my findings were accurate inasmuch as the CFPB fined them. ( For which Ive received no restitution from their fine. ) Now Im dealing with Bayview, and here we go with their shenanigans. HELP!
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/2018.
Lexis nexis is reporting the folling cases XXXX under a XXXX XXXX case XXXX under a XXXX XXXX and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX I have had only 2 names my whole life. I spoke to XXXX at lexis nexis his # is XXXX ext XXXX he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
On about XXXX XXXX I ordered a XXXX/XXXX XXXX XXXX XXXX, through Barclays Bank. 
I was accepted. Apparently the offer resulted from a cruise I bought. My troubles began when without permission, before I got a chance to pay my down payment my card was charged {$580.00}. I told the bank that I would rather pay with another credit card that had a lower interest rate. They denied me that opportunity. I filed an unauthorized claim with Barclays and they ignored until today that request and not even sent me a letter considering the unauthorized charges. I paid the unauthorized charges with another credit card whit a lower interest rate. 
I got sick of their rude customer service, and at times I felt that the XXXX XXXX line was answering, since they are colluded somehow with them, to the point that i was in disbelief of the offensive treatment towards me. 

My new set of troubles continued when around XXXX XXXX or XXXX XXXX, I tried to cancel my credit card. I called one afternoon around XXXX, XXXX, XXXX, XXXX, and all those times they told me that " the system was updating and they could not cancel my card '' .I was told to call next day.. At the XXXX call, I asked for a supervisor, and was on hold for about 33 minutes, but one never came on the line. Next day I started calling from the morning and each time the question came up : " what is the reason you want to cancel your card or close it '' I told them that I would pay my cruise with another card, cash or debit. ( the remaining balance of the cruise ). They felt offended and kept telling me that " their system was updating '' and " can not close the account right now ''. This went on for another three clerks that I called. Every one of those clerks hesitated or did not want to transfer me to a supervisor until finally one came on the line by the name XXXX? XXXX? and told me the same story of the system updating updating. I asked her if I could close the account via fax, and finally she said, after all this harassment, she would close it. It took many hours of precious time, arguments for a simple transaction. I got sick to my stomach with this customer service treatment. My account was paid and up to date and even got a {$19.00} refund in over payment. Please find a way to fine or sanction this company.
I was hired by XXXX, XXXX in XX/XX/XXXX. I was provided a corporate credit card ( XXXX ) to which I should apply all work-related travel expenses as well as expenses incurred as a remote employee. 

I was laid off by the company in XX/XX/XXXX. At the time, there were outstanding expense reports that I had submitted, but had not been approved. With the layoff, I lost the ability to sign in to XXXX XXXX and so was unable to view my submitted reports. 

I started receiving calls from XXXX shortly after being laid off stating I needed to work with XXXX  to have the balance paid. I attempted to do so, and after several emails ( email thread will be submitted as part of this complaint ), a company representative responded that, " As of XX/XX/XXXX all items on XXXX 's account have been submitted, approved and sent for payment. '' I received another call from XXXX on XX/XX/XXXX about a remaining balance of {$680.00} and contacted XXXX by email again to say that XXXX was expecting payment from XXXX by XX/XX/XXXX, and if XXXX  expected me to pay the outstanding charge, it would need to provide me documentation of what they were claiming was my responsibility. 

I heard nothing further from the company nor from XXXX so I assumed the matter closed ... until this morning, XX/XX/XXXX when I received a call from XXXX XXXX XXXX ( XXXX XXXX ) stating I owed XXXX $ XXXX and that a XXXX representative stated I was responsible for the charges. I told the agency that I am not responsible for the charges and that they would need to provide documentation of any outstanding charges XXXX deemed " personal '' in nature. The agency rep responded that XXXX XXXX, XXXX 's Assistant Treasurer, told them I am responsible, but did not provide any further documentation about the case. 

I am unable to access XXXX systems, nor can I access transaction info on the XXXX site since the card is cancelled and has been sent to collections.
i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive
Around mid XX/XX/XXXX I starting getting calls from XXXX XXXX since my wireless provider flagged the number as suspected SPAM/Fraud. I refused to answer the number. The calls keep coming daily and multiple times per day. I finally out of curiosity answered the a call later in the month XX/XX/XXXX around XX/XX/XXXX of the month. I asked who they were and why were they calling me. They refused to id themselves and asked for my birthday social security number to id me before they would tell who they were and why they were calling. I told them I would never provide sensitive information that could result in ID theft to unidentified caller id as SPAM suspected Fraud by my wireless provider. They still refused to say who they were and demanded my personal info again. I hung up on them. The calls kept coming and I decided this time to co call back around the end of XXXX hoping to hear a company name or information. None was provided Rep picked up refused to say who they were. Again demanded my personal information before they would provide who they were and why they were calling. On XX/XX/XXXX I got letter dated XX/XX/XXXX from State collections Service Inc with XXXX number listed that was calling me. I proceeded to call and asked why? the couldn't have said I'm with State Collections Service Inc and I'm debt collector attempting to collect a debt? The person said we don't do that until we verify we have the correct person. This is appalling a debt collection company will not at least say who they are. How is that in line with FDCA orr ACA  practices? I settlement the final amount owing to the Hospital and bill is not paid in full. But, I wanted this complaint noted as I don't see how the XXXX gives this company A+ with all the negative complaints. How is anyone raving about debt collection company that calls you for weeks before sending the letter on the debt. In this day and age of rampant ID theft how is it fair practice to call people and not at least saying your company name and your debt collector? Where is that problem you're not discussing the account they're calling on or any other information.
OnXX/XX/XXXX, I received notification that 4 inquiries were reinserted into my transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

These are all old inquiries that were already on my account, but had since been removed.

Transunion reinserted them, hurt my credit score and failed to notify me in writing of these changes.

I called transunion today to request they remove these inquiries, and they claimed that I was not affected by the transunion inquiries glitch and that there was nothing they could.

I saw a hit to my TU credit score from them reinserting these old inquiries, and would like them to be removed, as transunion is violating section 611 of the fair credit reporting act via their failure to notify me in writing of the reinsertion of these inquiries. Attached is a copy of my inquiries from my official credit report from XXXX showing that the aforementioned inquiries are not showing up anywhere but TU. also attached is the notification I received showing the reinsertion of the scores, and that they were reinserted this past XX/XX/XXXX. these inquiries were made back in XX/XX/XXXX, and should not be reinserted.