WillisBack/dataset-financial-user-claim huggingface dataset:
Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede
I 've been trying for weeks to understand how many payments I have left to payoff my loan. No one has been able to provide a response. They 're representatives all give the same response about not being able to calculate this due to daily interest charges. It almost seems like my loan has no end date unless I pay in full all at once and I do n't have the money to do so. Also, payments made whether by debit card or bank account are n't credited to your account until days later making you accrue more interest.
I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a physical therapist. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ XXXX. The XXXX other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX Bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an XXXX of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.
I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.
I am filing a complaint about Loan Depot. I love in XXXX  Florida and was affected by Hurricane Irma. I had to make major home repairs that my home owners insurance did not cover. At the time Loan Depot was nice when I called about making the repairs and paying my mortgage. They offfered me a forbarance plan that began on 1XX/XX/XXXX to XX/XX/XXXX. Loan Depot said that my plan will end on XX/XX/XXXX and that I would be contacted to reasses my current circumstances and be given alternatives that may be availble to me. So, I stated making my regular mortgage payments starting on JXX/XX/XXXX. I have made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments while they work on some kind of plan. I have sent them pages of documents, taxes, personal statements, pay check stubs ... etc. I call every week to check on the progress and during these past few months each time I all they need something else. In my forbearance letter it clearly states by Loan Depot that during the forebearance and loss mitigation process that they, and I quote, will not be reporting the delinquency status or the entry into a forebearance plan to credit reporting agencies. This was a lie as on XX/XX/XXXX Loan Depot reported that I am 60 days past due on my mortgage payments, on XX/XX/XXXX they reported to XXXX that I am 60 days past due, and on XX/XX/XXXX they reported to XXXX   that I am 60 days past due. On XX/XX/XXXX when I got an alert on my credit report I called Loan Depots loan servicing department and explained what happened. The person on the phone was a bit rude, and did tell me that she was sorry and that it was a mistake and they would fix it and stop the reporting. Well, that did not happen and on XX/XX/XXXX and XX/XX/XXXX Loan Depot continued to report late payments on the credit bureau sites. I have never been late with any payments, and just needed a three month break while I made home repairs. I am a widow and live in my house XXXX XXXX  and had to pay to get the repairs done. When I called about this issue, they also told me I need to start making XXXX a month payments for the next four months to catch up with the payments I missed during forebearance. I will pay this on XX/XX/XXXX, however Loan Depot has not sent me any kind of package as promised telling me this new payment schedule, and why I was not approved for a loan mitigation. At this point I just want to pay what I have to, however I want my credit report fixed. I have the letter Loan Depot sent that clearly states they would not report me to the credit bureaus. I need to do a new lease for my car and I know the car company will not approve a new lease with my credit score down now by 70 points. This is a horrible way to treat a customer, someone who lost their husband and then went through a hurricane. I am hoping CFPB can help me get this resolved as I am losing sleep that I will not quality for anything with my score so adversely affected.
I am beyond furious with Ditech. I called my insurance agency per your information to inform them that my homeowners insurance would be escrowed going forward. My insurance company informed me that my policy needs to be paid in full ( {$550.00} ) by XXXX/XXXX/16 or they will cancel my coverage. When I called in to speak with my account rep I was put to voicemail both times. I called in and went to customer service XXXX/XXXX/16 and was informed that everything was set up and both insurance and taxes were escrowed. I called yesterday XX/XX/XXXX to verify this when I did not hear anything from either my agent or Ditech and was told by a customer service rep at Ditech that my insurance was NOT escrowed and I would need to upload or fax in the HOI bill to you for payment. I called back today to verify that the HOI bill/dec page was received and XXXX told me that no, my insurance was not set up to be escrowed. She told me that there was nothing Ditech could do regarding the pending cancellation. She implied that I had not kept up with payments on my insurance and none of this was the responsibility of Ditech. I asked to speak with a supervisor and she said she would 'transfer me to the Insurance Department where someone would tell me exactly what I just told you. '' When she came back on the line after a 5 minute hold she told me that the insurance department said they would not make payment to my insurance company and it was my responsibility. I asked for a supervisor and she said she did not have a supervisor available. I asked to hold and she said she could not put me on hold for a supervisor as she had no supervisor available. I told her that was " XXXX '' and she said she would have to disconnect the call for my using profanity. 

Correct me if I 'm wrong, but the Customer Service department does have supervisors, right? They do answer escalated customer calls, right? And pending insurance cancellation is a serious issue for a customer, correct? 

I work in the mortgage industry and I have made EVERY attempt to resolve this in a professional manner. I am forwarding this message to anyone higher up at Ditech that I can reach and to the CFPB as well as my insurance agent. Please respond to me BY PHONE at XXXX within 24 hours.
I have submitted twice to Experian to have a closed XXXX XXXX account updated to show it closed in XX/XX/2018. Both times they updated it to show charged off at a later date. This account should show closed and no further activity after XX/XX/2018 when it was paid in full and closed. Experian has failed to update this account properly and continues to make errors on my report.
Experian report number XXXX, dated XX/XX/17 shows a recently added collection account that is not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.
XXXX customer representative invited me to apply for one of their credit  cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX '' stating that I was denied due to what XXXX   reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.
Attention Consumer Financial Protection Bureau, now this is the way will do this, your role is to investigate Fraud. Ok here we go, Transunion is committing Fraud, there 's an account XXXX XXXX XXXX XXXX showing an balance of {$26000.00}, acct number XXXX ... ... ... .Auto Loan. XXXX XXXX XXXX XXXX mailed me a XXXX copy of the submission date of this Pay-off, XX/XX/XXXX. What Transunion is TRYING to do, and notice I said Trying to do is sabotage my Credit Score, and show high Debt-to-Income Ratios that effects Adjusted Gross Income PERCENTAGES, I 'm not a XXXX, Transunion is committing FRAUD. Now if you, CFPB are refusing to investigate, I will call, and call the Director XXXX XXXX XXXX office as an advocate for Consumer Justice for XXXX AMERICANS. I 'm certain that the Consumer Financial Protection Bureau is n't participating in this FRAUDULENT effort by Transunion. A lot folks seem jealous, XXXX I brought a new truck, the XX/XX/XXXX XXXX was paid off, real Real simple XXXX XXXX XXXX paid TRUCK off, there is a XXXX Balance, TRANSUNION IS COMMITTINGFRAUD, and I would ask that the Consumer Financial Protection Bureau step in " NOW ''! 
Also these XXXX have created a XXXX account that showing twice, they 've closed this CREDIT CARD account and this is hurting my credit score by XXXX to XXXX points. 
I 've contacted XXXX and they are sending me a letter stating that they are only reporting XXXX XXXX account, period, these XXXX XXXX are again attempting to sabotage my credit report, credit score to STOP THE FLOW OF CREDIT, FOR WHICH THEY WO N'T STOP! Listen up CFPB, I will continue to contact you via complaint internet until you folks investigate and I will starting calling XXXX office for assistance. I called XXXX office x-President of XXXX XXXX XXXX and it yielded2 % mortgage, XXXX Principle FORGIVENESS, I 'm an ADVOCATE FOR XXXX XXXX XXXX and I want stop Fighting, never will I allow Creditors to undo what XXXX XXXX, Congressman and Senator XXXX did for Consumers, NO NONOT ON MY WATCH, again I 'm a FIGHTER. Oh and Tell Transunion I 've just done another EQUITY Loan with XXXX to PAY OFF all credit cards, I 'm bring them down to a XXXX BALANCE AND THERE IS NOTHING, NOTHING THAT THEY CAN DO ABOUT! 
THIS will decrease DTI do to 17 %, WOW, WOW! 
Calling on you folks at the Consumer Financial Protection Bureau, let 's FINE these CROOKS TRANSUNION, Calling on your HELP! 
Bottomline CFPB, next response is that you folks have evidence from Transunion stating that ... ... ... XXXX XXXX XXXX XXXX states that this Auto/Truck is n't PAID-OUT realreal simple, the Question will be, does CFPB have evidence from TRANSUNION showing BALANCE NOT PAID OFF YES OR NO, Real simple! Also have them to submit to you CFPB DOCUMENTS showing that I have XXXX ... ... ... ... XXXX, Real simple HAVE TRANSUNION produce XXXX XXXX XXXX reporting. I 've not close my XXXX account these XXXX are hurting my credit score by about XXXX to XXXX spread points give or take XXXX to XXXX points calculations.
Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX.
In XX/XX/XXXX I fell very ill, I defaulted on a Capital One personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, Capital one sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue Capital One and XXXX XXXX for what was being done to me. I called Capital One, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by Capital One or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT. 
-PERSONAL INFORMATION - MY NAME IS XXXX XXXX XXXX XXXX I HAVE SENT THE CREDIT BUREAU MY DRIVER 'S LICENSE AND SS CARD AND THEY HAVE NOT CORRECTED THIS INFORMATION ON MY REPORT. THEY HAVE XXXX NAMES ON MY REPORTS WHICH SETS ME UP FOR IDENTITY THEFT. 
-STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).
On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to Transunion according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to Transunion.
My wife and I have an account with Capitol One. Recently we are receiving unknown -- caller ID number calls ... XXXX. A recording states to call Capitol One. No names or reason. When called, was told wifes account was late. We said OK, but stop the collection calls. Capitol One refused to stop calls till account is current. These calls start around XXXX XXXX till XXXX XXXX. Weekends and holidays when their office is closed. This harressment will NOT help our finances pay faster, and only adds to our frustration.
I am a victim of identity theft, I had 39 applications in XXXX and XXXX from Synchrony Bank for store retail cards, credit cards, balance transfer credit card, gas credit card, I followed the list from FTC for victims of identity theft and I filled 2 police reports in XXXX for identity theft with the local police department, 1 report for stalking, 1 report for harassment by phone, 4 identity theft reports with FTC for every time the cards were used and a billing statement would appear in my mail box. 
It became worst when the identity theft escalated to mail theft, most cards applied for and issued by Synchrony Bank were either forwarded to a clandestine address and never received or stolen on the mail without a trace. When contacting the bank in XX/XX/XXXX I was assured that every account would be closed and removed from my credit without hurting my credit score. 
48 hours later I called to follow up on XX/XX/XXXX and the Synchrony Bank associate had no history of my phone call, I took 28 phone calls to every department store working with Synchrony Bank to receive a letter in the mail from their fraud department to fill it up the fraud forms and provide the police reports. My credit went from XXXX credit score to XXXX and still dropping, a year has passed and every month an account from Synchrony Bank shows up in my credit report and a letter from the bank stating that I am benefiting from an account that I don't even have the credit card. 
In XX/XX/XXXX I was robbed in my office/work at XXXX XXXX XXXX, at XXXX, MD, whereas my driver 's license, my paycheck, my cash, my house keys all were stolen from my desk but I took the necessary measurement at the time and filled a police report at the scene. 
I am a victim of a crime, I even involved the State Attorney of Illinois which she provided a letter stating that no reporting to the credit report should be allowed under Federal Law resulted from a crime investigated by its office.

Just to resume : 5 police reports, letter from FTC for Identity Theft, letter from the State Attorney of Illinois for Victim of Crime ; It is not only illegal to collect the theft but the points lost every month of XXXX points for an account pass due or maxed out that I have no ownership of the shopping spree.
I have disputed with AMEX the negative information they report on my credit report. AMEX signed for receipt of dispute on XXXX/XXXX/2016. According to the FCRA 623 ( a ) ( 3 ) - AMEX was required to add a statement of dispute within 30 days of receipt of dispute. However on XXXX/XXXX/2016 I checked one of reports and i saw that they failed to add this notice of dispute. i have sent AMEX a letter and proof ( see attached ) regarding this violation of my rights and not being compliant with the FRCA however currently I have n't yet received a response from them regarding their violation nor have they removed the negative information from my reports. 

This is my final goodwill attempt to allow AMEX to clear up this issue and remove all negative information [ in a timely manner ] from my account. Otherwise I will be suing AMEX in small claims court closest to me. I will request {$5000.00} as i have outlined in my letter.
This is a simple request. I want Wells Fargo Home Equity Loan to report the correct Balance and monthly payment amount to the credit reporting agencies. Specifically, HELOC # XXXX was reported XX/XX/2017 ( see attached ), after filing a dispute with all three credit reporting agencies one month ago, that the monthly payment was NOT {$11000.00}. The current monthly payment amount is {$1200.00} as of XX/XX/2017. The principal balance on XX/XX/2017 was {$410000.00}. Please report the XX/XX/2017 monthly amount due and the principal balance on that date. 
This issue of incorrect balance reporting and incorrect monthly amount due has unfairly raised my monthly expense profile for Debt To Income ratio calculations. It creates unnecessary confusion for lending requests resulting in denials of credit and depresses my FICO score unfairly.
I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment
I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.