WillisBack/dataset-financial-user-claim huggingface dataset:
I got approved for HAmp modification and partial claim. 
XXXX trial period they stated was for 4 months from XXXX/XXXX/2015 thru XXXX/XXXX/2015 but, pmnt wa XXXX $ XXXXper month. problem was they continued to leave the normal pmnt of {$1400.00} per month and this diference of {$220.00} was going to be put on my credit as 30 days late based on the 4 months trial period I would have been late 120 days late. I discussed it with loss mitigation and they stated I could pay for the trial period up front and thee would not be any latenesses. 
Unfortunately Nations Star has done this to thousands of persons. I you are XXXX pmnt behind on your mortgage and request a modification under hamp that means your credit will reflect anywhere between XXXX pmnts late and that will result in a foreclosure plus all legal cost among other things. heavens knows how many forclosure they have created. nations Star is a servicer/collector and has been scaming people. 
They took my 4 months pmnt and never added my XXXX scrows to my account. then they added a interest of {$2000.00} XXXX and reverse it same date. 

My Hamo modification was approved in XXXX I paid trial period XXXX/XXXX/2015. 
I started so many emails to no avail same response and lies from the personel as well sttaing that they were part of scrow dept/lossmitigatiom/socialmedia/insurance/modification and mad ebeleive they would transfer you. 
On yanuary I even got anotgher Hamp modfication with a trial period from XXXX and interest of the same amount as the {$2000.00} that wa sreverse and added to my partial claim.
I went to XXXX College in XX/XX/XXXX - XX/XX/XXXX. I took out two loans, one for {$18000.00} that is now {$33000.00} and another for {$8900.00} that is now {$17000.00}. After taking out these loans i was unable to get anymore financing through anyone, so I joined the military. I was in the XXXX XXXX for four years. These loans should have been locked at a certain percentage due to my service, but they are now over 9 % each. The interest is absolutely absurd. I have one semester left in school and they are denying my in school deferment. Which for some reason they always put under forbearance instead of deferment. I do not have the funds to pay these outrageous loans while I am in school. I have been pushed around enough, now I am being hounded by debt collectors. This company is trying to ruin me before I even graduate. I would like someone to reach out to me and talk about this. Thank You
Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.
Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.
In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen.

I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay.

XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}
In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with XXXX XXXX XXXX ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from Nationstar ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with XXXX XXXX XXXX ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.
XXXX -  XXXX   XXXX   Ran a credit report for myself. Buying a house. We noticed that Chase card services has reported a late payment on my account. The missed payment was their fault or the fault of my bank ( FirstBank ) that they contracted the ebill service with. The event occurred in   XXXX   XXXX  . A payment " due date '' was missed, because they did not send an e-bill to my bank, and thus it was not automatically paid as usual. A series of phone calls from unknown numbers, at strange times of day began, where no one left a message. I was finally available to answer one, spoke to the person on the other end who was apparently an agent of chase, and was completely unaware of the missed payment until that point. I made up the missed payment right there on the spot, and the account has been current since, and it was current for at least 5 years prior to that. Never late, once, never, ever. Now we manually make every payment out of fear that something like this will occur again. Chase made a mistake. They changed something that prevented the ebill, and did n't notify us in an electronic manner that anything was late or missed. The account was current, and I 'd assumed all was good at that point.
 XXXX - XXXX  Ran a credit report again. See they have reported this event as my fault to the credit reporting agencies. This demerit mark on my account history has potential to cause future problems, so I submit a dispute to get the incorrect negative information removed.   XXXX   was the only company who I was able to do so.   XXXX    I tried to submit a dispute and the web page code was broken.   XXXX    I could not even find out where to dispute it. Once you close the web page it is gone forever.
 XX/XX/XXXX  I receive a notice from  XXXX  that the item in question was " updated '' as a result of my dispute. I look at the " updated '' report today, and I see the " 30 days '' item remains. From looking at this report, I ca n't tell what was updated, and I have concerns that something was made further negative. It is of concern that they ca n't just tell me the exact action that was taken, even if the action was " no action ''. I have to assume " no action '' based on what I see, so I 'm escalating this complaint.
My complaint is primarily against chase card services. Also  XXXX ,  XXXX , and  XXXX  provided no tools to incite the proper correction
XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS
I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.
A levy was put against my account for child support but barred the first XXXX dollars in the account from the levy. Wellsfargo took XXXX dollars out of the account that they say they are holding for me until the account reaches XXXX dollars then they will send me a check for the money. The levy does not give them the power to manage my money and not give me axcess to the funds not covered by the levy. The account also has XXXX dollars in it that they will not give me access to. They continue to take their fees from my account but I do n't have access
They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX the debt was discharged in XX/XX/XXXX and sold to a different bank. the original owner of the debt was XXXX they sold this debt to seterus and they collecting and misrepresenting on my credit report.
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B RENT RECOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, XXXX, and Trans Union. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union.
My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.
I am the executor of my Aunt 's estate and have submitted all necessary paperwork to close her Paypal account numerous times but even though they say the account will be closed in 1-2 business days it has been over a month. I have talked to many supervisors there a number of times with no progress. Since there is no office I can go to in person, I need your help to close this account.
XXXXXXXX XXXXCalled my job @ XXXX on XX/XX/18. Harassing : Rude, Hung up on me several times. Threatening to sue me and garnish wages. I am not allowed personal phone calls.Never discussed any other option. Just very rude and yelling.

Spoke to D Scott Carruthers : XXXX
XXXX is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
I have written three previous times about an account on my credit file that has been inaccurately reporting and still reporting. According to the FCRA you are required to verify this information yet you have not verified it and you are still reporting this damaging information. You keep saying it 's correct and it 's mine so inform me on WHO verified it. I want the name and number of the person of verified this information on my account.This is becoming very distasteful that your company would allow something so damaging to remain on someone 's report. I 'm unable to obtain credit due to your inaccurate information
Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.
I applied for a loan modification with Shellpoint mortgage on or about XXXX XXXX After a devastating inheritance court matter challenging my inheritance, I experienced a hardship and my credit score was affected negatively - I now have new income and family members who are contributors, certainly sufficient income - in a letter dated XXXX XXXX XXXX, Shellpoint denied the modification - I had questions and contacted Shellpoint - I was told that my home had " a lot of equity, and could I not get a loan on the equity to take care of the arrearages? '' Following the inheritance matter, my excellent credit score was now very low - I am not able to get an equity line until my credit is higher - that is why I need assistance - In this same letter Shellpoint stated that the the payment- to- income ratio is out of the acceptable range - I have not been given any targeted numbers but just this vague statement - I now have a new modification with XXXX XXXX loans on another property with no arrearages and payments in the amount of {$1600.00} are current, This should now be reflected on the credit bureau raising my score also - My land is paid for. - my car is paid for - I have minimal bills. - I am in the process of beginning to clean up my credit and would like a new start - I appealed this decision and have not yet heard from Shellpoint - Meanwhile I was told by Shellpoint to re-file another modification application whic I have done. I understand that it is complete and " in review '' presently. - I hope that Shellpoint will consider my hardship, see that I have turned around things and not base another decision on my credit score - many items on the credit bureau I will dispute - they are residue of the inheritance matter and old debts ( beyond the 4 yr statute in Georgia ).
I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of  XXXX  and a divorce.
I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...
I have disputed an account for several months and requested verification documents from both the creditor and the credit agency. I have sent letters and placed several phone calls. Neither has provided any documents signed or authorized by me as verification for this account. Equifax has informed me that my file is mixed but still Equifax continues to report this erroneous account on my file. I want the account deleted and suppressed immediately since it has not been verified under the guidelines of the FCRA
We want to file a complaint against Chase Home Financial , Inc. 
Chase, against our will, paid our property tax ( XX/XX/XXXX-XX/XX/XXXX ) in XXXX, XXXX, and put it in escrow. Ever since Chase has been adding late fees and threatening to foreclose us. By foreclosing, Chase intends to steal XXXX {$300000.00} ( equity ) from us. 
This is absolutely absurd. although we have been making mortgage payment every month, we have n't paid the escrow because Chase already took more than {$6000.00} from us within the past three years ( XX/XX/XXXX-XX/XX/XXXX ) in escrow-related matters, and & gt ; {$6000.00} pretty much pays for the XX/XX/XXXX-XX/XX/XXXX property tax. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

We sent a following letter to Chase on XXXX XXXX, XXXX. 
Dear Chase : We have got {$10000.00} in hand, but we are not paying the escrow as you claim at this time. After thinking about the problem we have with our mortgage payments over the last eight months, we have come to think that we already paid the escrow and do not owe it ; or, in another word, you already took the money from us, saying that we owed you the monies for home insurance ( {$2600.00} for eight months ) in XX/XX/XXXX and numerous late fees since XX/XX/XXXX to this days. If you foreclose us as you are threatening us, you are going to steal our equity of ~ {$300000.00} in the house as well. 
Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

Sincerely XXXX & XXXX XXXX XXXX XXXX, MD XXXX : Chase Home Loan # XXXX : CFPB Case # XXXX ( continued )