WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan modification back in XXXX 2015 and submitted all the required documents timely. Called back every week and spoke with Seterus and documented each call. I was told that all my documents had been submitted and are in process. The Seterus representative told us that it was passed to the processor for final approval. In XXXX 2015 we received a letter stating that we were denied loan modification because we did not submit the requested documents timely. We called again, and was told that the letter was sent in error, and call back in 2-3 days for final approval. When we called back we were told that our application had expired and we needed to resubmit every document. It 's clear that they are running a scam with no intention of doing loan modifications.
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
This company has been repeatedly attempting to contact, me, my wife, and our extended family for a debt owed by a relative we have no contact with.
Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.
This company is trying to scam me out of {$480.00}. On XXXX XXXX, 2014 I made a payment of {$330.00} to XXXX County District Court as a part of settlement reached with presiding judge for a PARKING ticket. Now, TWO years later this company " Transworld Systems Inc. '' somehow got hold of my case number and is trying to scam me out of XXXX dollars.
Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.
I contacted Navient, formerly XXXX XXXX, several times from approximately XX/XX/XXXX- XX/XX/XXXX, due to my loan payments being extremely high. I was unable to make such a high payment at that time while working part- time ( payments were about {$600.00} a month and it increased overtime ). No one ever spoke to me about the different payment plan options that were available. I was told that I needed to go into deferment and forbearance each time. They never told me that I could choose an income based payment plan. I then defaulted on my loans because I did n't have the means to make such high payments once my loans were no longer eligible for forbearance. My loans were then put into a collection agency where I was charged ungodly fees. After going through the rehabilitation payment program through the collection agency, my loans were then sold from the Navient collection agency back to Navient in XX/XX/XXXX ( yes this sounds ridiculous since Navient sold the loans back to themselves ). I 'm filing this complaint because if someone told me about the available options to lower my monthly payments then I would n't have defaulted on my loans. I 'm extremely upset how Navient operates and treats their customers. Over the last 11 years, no one has ever explained the different payment options available or how to best manage my loans with my financial situation. I needed a family friend to help me navigate the federal loan system which has put my loans in good standing. Maybe Navient should hire my friend since they are unwilling to provide proper information to educate borrowers!
Company said they will remove all the negative info from my credit report and charged me $ 1000s but did not provide me with any update or improvement in credit score.
American Express has, for years, not applied payments over and above the minimum payments to my higher APR balances. Numerous attempts to deal with them on this situation ends with form letters sent to me and the complaint closed
This XXXX XXXX has called me at least twice - the last time at XXXX XXXX. on XX/XX/2018 and leaves a message that says " get a paper and pen to write down this code ''. And then repeats it several times. Today, XX/XX/XXXX, I called the XXXX and asked about their calls. I told them that I don't have a XX/XX/XXXX and they asked if I had a XXXX XXXX, XXXX XXXX or XXXX card. I told him that i have a XXXX card and he assured me that was why they were calling. He wanted the credit card number and when I won't give it to him, he asked for my social security number and I also WOULD NOT give it to him and hung up. I then called XXXX with the number on the back of my XXXX card, and they said that they would make a note of my call and they were glad that I didn't give them any information. I assume that it was a scam.
Sometime in XX/XX/XXXX, I received a notice from Pacific Union Financial , LLC asking me to provide proof of insurance coverage for the period between XX/XX/XXXX and XX/XX/XXXX. I was surprised by this notice because the premiums for the home owners insurance on my mortgage have always been paid out of my escrow. When I called the insurance company to find out what was going on, they told me that the premium had not been paid when it came up for renewal in XX/XX/XXXX. The insurance company says they sent the invoice to Pacific Union Financial but despite several attempts, they did not receive any payment and in the end they cancelled the policy. I asked them why they did not contact me and it turned out they sent a notice to a wrong address. As a result, I did not know that the policy had been cancelled due to non-payment until Pacific Union Financial sent me the notice inXX/XX/XXXX. After receiving the letter from Pacific Union Financial, I reinstated insurance with my provider and sent Pacific Union Financial a letter explaining what had happened. I did not receive an acknowledgement of my letter but soon after I sent my letter on XX/XX/XXXX, I received a notice in the mail from Pacific Union Financial stating that they were getting lender-placed insurance on my behalf for the period XX/XX/XXXX to XX/XX/XXXX. Having not heard anything from Pacific Union Financial, I figured the issue was resolved after I had sent the letter explaining the circumstances surrounding coverage lapse. However, in early XX/XX/XXXX, I received a notice from Pacific Union Financial stating that my escrow was in the negative and after further review, I discovered that Pacific Union Financial had charged {$1300.00} against my escrow account to pay for the lender-placed insurance.

I am filing a complaint against Pacific Union Financial for charging me the {$1300.00} for the lender insurance because : 1 ) it was their fault that they failed to pay the homeowners insurance when it was due and 2 ) they failed to notify me on time that the policy was not in place. By the time they notified me, it had been more than 10 months since the policy lapsed and it should not have taken them this long to let me know if they were acting in good faith ; 3 ) I sent them a letter explaining the circumstances which they ignored and went ahead and charged me the lender-placed insurance ; 4 ) when they notified me in XX/XX/XXXX, there was no way I would have been able to obtain an insurance policy retro-actively. 5 ) In XX/XX/XXXX, they claimed to have obtained a policy in my name for a period that had long passed. There can not be an insurance policy issued retro-actively and I find this action fraudulent.
XXXX has not responded to my debt validation letter they were reporting to my XXXX credit report that I owe {$330.00} but report to the collection agency that I owe {$960.00}. They will not settle for the original amount reported to my credit report and due to the fact that they are almost reached their 7 year mark they sold the debt to XXXX XXXX XXXX. It shows the debt was sold on XXXX XXXX, XXXX to a collection agency that is not license in Tennessee and they sold it for the incorrect amount. I was never notified that debt was sold and no letter has been sent with in their 30 day window. Attach is a copy of my XXXX credit report what XXXX has reported since XXXX and attach is my XXXX credit report that debt was sold in XXXX but never reported to credit report until XXXX XXXX. This a falsified credit reporting and abuse of collection law. State of Tennessee statue of limitations is 6 years. I nylon her owe this debt
The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship.
Sent verification of debt letter, within 30 days of receipt of original letters from Midland ( Credit ) Management ( ADBA Midland Funding ). Did not receive any type of verification or validation of the debt. In addition, after sending the request for verification and cease and desist, I have again been contacted via mail and by phone. 
I am requesting that all accounts with Midland Credit be removed from all three major credit bureaus account due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act.
I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA. 
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX The problem Im having, from the beginning of this loan, i have been told several different things, ok so, it was told to me on several occasions by the employee from XXXX that my daily interest was XXXX cents a day, but now that my loan as matured my account is occurring more fees and my payoff within XXXX weeks has occurred XXXX worth of fees and when i ask what was the other fees besides the daily occurrence fees they say its a computer generated fee they dont know the break down of to tell me exactly what Im been charged, can someone please email me at XXXX or called me at XXXX
Constant refusal of  XXXX   XXXX  to modify my loan to offer mortgage assistance to me.     I was told my  XXXX   XXXX  today conversation on  XXXX   XXXX ,  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX  of the President that no matter what income I submitted, documents I provided even if I qualified and no matter what I did that  XXXX   XXXX  would never review my documents nor approve me for a modification. This was all stemming from the time it took  XXXX   XXXX  too long to respond to my request for a modification I tried to accept the modification but it took so long that I had no alternative but to sell my house so by the time the modification went through, and I received the modification and tried to take back the offer the buyers began to sue me I was already in contract to sell my house and it was not until I resolved that lawsuit was I free to even take a modification or it would have wiped me out financially and I am a realtor and I could have lost my license. ( see case..  XXXX   XXXX   XXXX   was well aware of this. Either way there was no way to know if th is was even a true offer for a true modification and I have a letter from  XXXX  ells Fargo  stating that I have never been approved for a HAMP modification at this time. Then on  XXXX   XXXX  I applied for a HAMP modification and was denied again even if the reason for denial was the income $  XXXX /mo stated in their letter dated  XXXX   XXXX ,  XXXX  did qualify me for a more than 10 % reduction of my monthly payment ( current monthly payment {$2500.00}, according to the HAMP rules. It would have reduced my payment by 12 % which would allow me to start making payments on my loan which I currently am not allowed to make.
Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.
I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number.
XXXX says I already received a free credit report while I did not. I went through XXXX and their site gave an error, stating technical difficulties. I tried again and they say I already received it. FIX THIS and Give me my credit reports! 

Trans Union can not verify my identity. They ask what county I lived in in XXXX. They did not have the correct answer, though there was a county I lived before XXXX as one of the options. I picked None Of The Above. They did not accept it as the correct answer. But the correct answer was " None Of The Above '' as the only county I lived that showed up as an option was NOT the county I lived in in XXXX. Now they deny to give my free credit report. 
You can not ask me to take extra burden to receive my legal free credit report online. Fix this and Let me access my free credit report online ASAP. If you do not, I am taking all of you to Federal Court.
My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! 

I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. 

Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.
Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
On XXXX XXXX, 2017 I called Bank of America credit card Dispute and told them that XXXX have n't received a payment in the amount of XXXX and I told them I want open up a Dispute and they refused and told me once it cancelled I ca n't reopen it I received a call from XXXX rep today on XXXX XXXX2017 and they told me they have n't received XXXX from Bank of America and my service will be interrupted soon for non-payment so once again I called Bank of America again and ask to speak to supervisor and she was rude and told me they released the funds back to XXXX and until this day XXXX have n't got the money yet ... ...
This complaint is in regards to a previous complaint that needs follow up. 
Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX  that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. 

I did call Customer Service directly, as usual, they were absolutely no help!
I requested Wells Fargo to remove PMI when my mortgage reached 80 % LTV in the summer of XX/XX/XXXX. Wells Fargo declined saying that while I met all other requirements, I had to meet a 78 % LTV, not 80 %. When I met 78 % LTV in XX/XX/XXXX I  asked Wells Fargo once again to remove the PMI. They explained I need to pay another {$5000.00}. I asked that they explain the fee in writing. I purchased my house at {$150000.00} and my loan is now at {$110000.00}, I am within the 78

% LTV and I've never heard of a PMI waver fee. Wells Fargo keeps asking
for more time to review. I asked they quit stalling, because I am over paying while they stall. Wells Fargo responded that they needed 3 weeks and would have an answer for me by XX/XX/XXXX. So I held my XX/XX/XXXX payment and waited. 

It's now XX/XX/XXXX. I still haven't had the PMI removed or received an explanation as to why it hasn't been removed. I've already made one {$110.00} over-payment and will have to make another one on XX/XX/XXXX since Wells Fargo is purposefully dragging their feet. I can't pay late while I wait for their answer because it will give Wells Fargo grounds to deny PMI removal. 

Can you help me get an answer from Wells Fargo please?
I found out from my credit that there was XXXX hard inquiries on my credit. These are XXXX, Capital One, XXXX, and XXXX XXXX. I already talked with XXXX and Capital One they confirmed that somebody fill out an application. Please help me How to deal with this. 
Thanks
I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.