WillisBack/dataset-financial-user-claim huggingface dataset:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .The lender is refusing to review the client file - the package for review has been faxed 2 times and they are stating it was never received - this has been faxed again today, but they are stating it is not 37 days prior to sale and a review can not be completed.
On XX/XX/XXXX, I called Equifax at XXXX at XXXXXXXX XXXX Central Time to request that they unfreeze my account so that XXXX XXXX   could check my credit score. After I gave my personal information I was asked about 10 verification questions, such as outstanding loans, etc. After answering the questions, I was told that I failed, but that they couldn't tell me why. The person asking the questions told me that I could fax them a copy of my driver 's license and social security card and they would mail me something that would allow me to unfreeze my account. I am applying for a home loan and I can't wait days for a response from Equifax. Equifax 's data security breach in XXXX was the reason that I placed the freeze in the first place, now I have been placed in this catch 22 because of Equifax 's incompetence.
Asked for verification of debt, received paperwork that does not constitute verification that the debt is mine ( ie just a print out with my name & PO Box on it, nothing to substantiate the debt belongs to me )
The fact that XXXX  is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX  and XXXX removed ALL fraud accounts, but XXXX   started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX   still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to XXXX.
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX  showing there no information to verify from there records
Hi, I started to having issues financially to paying my mortgage and i contact the bank mortgage and begins the process to the retention program HAMP, from XXXX or XXXX last year 2015, I was sending all documents its required and always they asking for more documents, for any X or checkmark they refuse to continue the process inclusive calling me over the phone and interviewing me for the little mistakes did on the all forms, I reviewed and sent it back, I agreed to cooperate with all documents in order to complete the hole process, but i think they were waisting my time and wait until a year to send me to the foreclosure process, my financial issues were verify in my documents summited on time every time they requested but now they put my house in foreclosure even did not have my process completed and with no additional or alternative options, i have my rights to receive all help from this process and to get my options to determine the better option to keep my home. my family are working hard to make this help happens, the mortgage company is not showing nothing and then now i have to find a lawyer on my expenses to help me and interfere for my home. We have only 15 days to find a lawyer before bad news coming from the court .I think this is a one way to avoid help family to save their home. I want you help me to get the HAMP program completed and have the mortgage bank approved my modification loan or retention home program either way keep what i paying to them. They did n't let me to continuing paying my loan until they finalized the process, that i gave them my consent and intention to reinstall my payments.
Date : XXXX/XXXX/2016 To : Consumer Financial Protection Bureau Summary - Approximately XXXX months ago, my ex-wife, who had been ordered to pay me {$2500.00} per month in maintenance support intentionally got herself fired from a very lucrative position with her prior employer, with an annual salary of over {$350000.00}, so my monthly maintenance support was reduced to {$500.00}. Over the course of the 3+ years she was dragging me through the courts, I was compelled to spend over {$150000.00} in legal fees, depleting my financial assets. My prior credit history has always been impeccable, but my current financial situation has been reduced to a point where I can no longer maintain most of my monthly obligations. 
I contacted Carrington mortgage ( my mortgage servicer ) to see if anything could be done to save my home. They were very vague, uncooperative, and rude. This has gone on for a few months and now I may be forced to consider Bankruptcy due to Carrington 's total lack of any type of dialog. Upon discussing this situation with my son, he stepped forward and offered to assume the mortgage. I contacted Carrington once again and explained the situation to them, and the stall tactics continued. Eventually I faxed them a permission document and password to deal with my son in the assumption process of the loan ; a copy of the faxed document available. At that point I reduced my involvement in the assumption process. From that point on, my son did everything possible to remedy the situation and get an understanding as to what he needed to do to assume my mortgage. Carrington was still unhelpful, in that, one representative hung-up on my son and was treated very disrespectfully and offered no cooperation from other Carrington staff. He was switched from one person to another and told to call this person, and then that one. At one point he was told he required a " password '' to which he replied that his father had already taken care of that issue, but was told that they had not received any faxed documentation from me. Not only did I verify that I had the correct fax number, but also 'confirmation ' of the transmittal. 
To summarize, my son is offering to assume my mortgage and I would live there rent free, especially with all of my medical expenses. I 'm asking for your assistance in this matter, and in the meantime I 'll continue to fight XXXX XXXX ( something I was recently diagnosed with ) from my home and not some 'shack ', which is where I 'll end up since my social security income is {$1900.00} per month and the miniscule maintenance support my ex-wife pays me, which is below the amount the court has ordered and in violation of the court settlement. There appears to be a solution to many issues and I do n't know why Carrington is being totally uncooperative. However, it became apparent very quickly that Carrington 's goal was to intimidate me into paying the monthly mortgage payment NOT to work out any type of reasonable solution. I can provide more details and proof upon your request. 
Thanking you in advance, XXXX XXXX XXXX
In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.
There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}
I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX  on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.
I am once again reaching out and requesting your immediate attention to yet another credit reporting problem. I stated reaching out again because it had been well documented from XX/XX/XXXX, to present date, I had to fill numerous complaints against Macy 's in regards to your discriminatory credit reporting practices. 

I am in receipt of the attached XXXX report number XXXX, dated XX/XX/XXXX, and discovered the following reporting problems which XXXX is placing the blame on Macy 's : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, Macy 's is listing on the report does not provide contact with Macy 's but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 



3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XX/XX/XXXX? Where is the data and why was this reporting information being withheld from XXXX? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the XXXX, credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from XXXX. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus? 

I would like for your credit reporting department, your new banking/credit card company and the Executive Office to take a very close look and fix the above-mentioned items immediately. 

I want Macy 's to make sure this information is corrected with all three credit bureaus within ( 30 ) days. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX
For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.
I asked GE Credit aka " Care ( sic ) Credit '' to set up my autodraft payments to avoid all interest payments under 0 % offer so that my XXXX would be paid in full within the 24 month offer. Instead, it was set up as " minimum payments '' drafted out of my checking account and now I have just discovered I 've paid over {$2000.00} in interest with a balance due of $ {$2900.00} on an original debt of {$3500.00}! When I spoke today with Synchrony Bank manager XXXX # XXXX she said the only way I could get a copy of my original instructions was to " subpoena them ''.
On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.
On XXXX XXXX I went to go purchase something at the store when my card was declined I went home check my bank account online stated that I have negative {$130.00} taken out of my account I contacted Santander Bank they told me courtesy of not having enough in my checking 's account they went upon themselves and paid for item I did not authorize them to pay for was so offended I contacted XXXX to find out when was the billing date that I was charged for the item XXXX XXXX told me they charge me on the XXXX of XXXX santandera is saying that they charged me on the XXXX of XXXX I would like my refund of {$130.00} I also have the voice recordings of both statements of each company
RACIAL DISCRIMINATION AND RUDE CUSTOMER SERVICE : On XX/XX/18 I called Citibank to tell them my wife ( XXXX ) will go to a Bank to get cash advances on our cards. I was told them amounts which were available. My wife went to XXXX  XXXX XXXX and processed a cash advance with our Simplicity card without any probing questions. She also attempted to use the Double Cash ( D/S ) card she was told the system would not accept the D/S for cash advances. I found a nearby Citibank Branch at XXXX XXXX XXXX and told me wife to go there and use the D/S card. My wife approached the window with Citibank Teller XXXX XXXX to process her transaction. During the transaction a male interrupted them to have his transaction process. XXXX stopped handling my wife and processed the transaction with the male. My wife was surprised by the rudeness on both their parts and stepped by to let them complete the transaction. After the the transaction was completed my wife approached XXXX again to request a cash advance. To her dismay, XXXX started asking probing questions about her occupation which was not necessary for a cash advance according to Citibank Credit Card XXXX XXXX, employee number XXXX ( who refused to take my complaint because it was in regards to a branch ). I told my wife not to answer those probing questions and to request a Supervisor. The Citibank Supervisor XXXX XXXX told my wife she had to answer all those questions because she does not have a Citibank checking or savings account. Citibank Teller XXXX XXXX refused to process the cash advance unless my wife answered all of her probing question which are not required for cash advances. I told my wife to leave the bank and I would file this Federal Complaint.
I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX
I purchased my home in XXXX and fell behind in XXXX. I had requested a modification and was denied. In XXXX my home was in process of foreclosure. XX/XX/XXXX we had a hearing and thats when NationStar decided to allow me apply for a modification. I got approved in XX/XX/XXXX. My payments went from {$1300.00} to {$1200.00}. What does nt make sense it that after for 3 months they raised it to {$1300.00}. They added {$12000.00} to the principal and I had to start over with 30 years. Therefore the 10 years I did pay didnt make a difference. I feel I was scammed because how does a modification help me for 3 months. I have nt made a payment since XX/XX/XXXX because I can not pay {$1300.00}. I was adjusting the modification payment. I need help on keeping my house. Mortgage companies like NationStar/Mr Cooper only set up the customers to fail. Plus my payment included loan insurance so it a no lose for them. Therefore why should I lose my home. I called a few times left my # and no one has called me back as of yet.
Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,
on  XXXX / XXXX / XXXX , I requested  XXXX , Transunion and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So fa r Trans Union,  on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that  may  be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
I filed a complaint for their failure to file a writ of satisfaction and they began garnishing me again in retaliation.