WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX our family was relocated to XXXX for my husband new job. During this period we was already beware a loan modification process of our house in Puerto Rico with XXXX XX/XX/XXXX. On XX/XX/XXXX SPS the organization that XXXX XXXX  use to manage their mortgage accounts finally approved our loan modification. We signed it on XX/XX/XXXX. On XX/XX/XXXX our realtor recommend us the short sale option to sale our house because Puerto Ric 's economy situation was too unstable and this option give us a better opportunity to sale. The agent also told us about a client who was interesting in the property. Immediately we call to SPS to expose our opportunity to sell with a pre-approved loan of our recommended agent 's client. SPS told us that to use this method our loan need to be late on payments. They also told us that they can consider the proposal and that during the proposal examination process ( 90 days ), we do not have to make payments. After that they accept the short sale proposal examination process, but they also delete our loan modification unilaterally, even when this was already done. This first short sale process never finish because SPS was very slow in the entire application review ( almost 4 month ) and our client just denied. After the process with our first client we start over again to make payments as they told us, in XX/XX/XXXX and for a regular quantity, {$1100.00}, without modification plan payment as SPS tell us. In XX/XX/XXXX another client was presented to the SPS with a new proposal. SPS accept the analysis to this new proposal and told us about the new 90 days period, stopping our payments during this period again. After almost four month, during the first week of XX/XX/XXXX, SPS sent a letter rejecting the proposal again without any explanation. They just said that the lender did n't accept the quantity and never told us who is the lender of the mortgage. So until today we did n't know who is the investor of our mortgage and what they expect as a reasonable price for the properties. The quantity submitted in the proposal was the recommendation of the realtor using the sold properties around our community.The same client that is very interesting in the property and have a approved loan increase the quantity of the proposal and the realtor decrease her commission and in XX/XX/XXXX their new proposal was send to SPS again. XXXX  this organization until today XX/XX/XXXX did  n't give us a respond and our client is getting tired to wait again. SPS even when stop our payments during their Short Sale verification processes report " our delay '', to the credit bureau. Please help us!
I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.
I've been sending letters to Experian about items that are listed on my credit report that aren't mine. Dating back to XX/XX/2018, I've reached out to Experian 8 times ( once every 30 days ) just to get a generated response that doesn't address my complaints. Experian keeps telling me that the creditors verified the account, how is that possible if I can't even get in contact with the original creditor?

XXXX   and XXXX  couldn't get in contact with the creditors either, which is why they removed the invalid accounts from my report.

I have copies of every letter and the certified tracking numbers that are associated.

Hopefully, I can fully resolve this matter once and for all.
i have been dealing with bank america despute resolution services located at XXXX  arizona everything came from them and never was this persons at bank america ncXXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX never were involved at all. letters dated XX/XX/XXXX from them state on XX/XX/XXXX the desicion was made and approved the claim. letter dated XX/XX/XXXX stated that the debit card ending on XXXX was closed and that th eaccount ending on XXXX was closed on XX/XX/XXXX. now here is the mistake or lies they have made. they stated that the withdrawls on XX/XX/XXXX of {$600.00} and the other s on XX/XX/XXXX for {$2100.00} and {$1.00} the stated they confirmed that my drivers license was used and as identification that a debit card ending on XXXX was used as identification for the transactions. 
NOW I RECIEVED THE FRAUD STATEMENT ON XX/XX/XXXX AND FILLED IT AND SIGNED IT ON XX/XX/XXXX - THANK XXXX I FOUND THE COPY I HAVE ATTACHED IT I EXPLAINED THAT WHOM EVER DID ALLTHIS FRAUDS WAS THE SAME PERSON WHO MADE THE WITHDRAWLS ON XX/XX/XXXX AND XX/XX/XXXX. THE SIGNED FRAUD STATEMENT I SENT ONXX/XX/XXXX AD FAXED AS WELL ALONG WITH OTHER INFORMATION WAS THE RESULT OF THE DECISION THAT WAS MADE ON XX/XX/XXXX BUT THEY NEVER BOTHER WITH THE OTHER FRAUD THAT TOOK PLACE. 
NOW I HAVE CALLED THE ATM/DEBIT CARD OPERATIONS XXXX AND THERE WAS NEVER A DEBIT CARD ENDING ON XXXX ISSUED AT A NO INFORMATION WHATSOEVER. I ALSO CONTACTED THE DESPUTE RESOLUTION IN ARIZONA AND THEY FOUND NO DEBIT CARD ISSUED ON XXXX AT ALL. 
NOW I SEND COPY OF THE STATEMENT SHOWING THE WITHDRAWLS AND HERE IS THE MISTAKE OR LIES THE STATEMENT ON SHOWS THE GA TLR CASH WITHDRAWL FROM CHKING XXXX AND NO BANKIG CENTER # AND NO CONFIRMATION NUMBER AND THAT IS THE FRAUD THAT TOOK PLACE BY THE SAME PERSONS OR BANK PERSONNEL. 
NOW I WENT TO THE BANK AND WITHDREW {$200.00} YESTERDAYXX/XX/XXXX AND GUESS WHAT IT SHOWS TYPE : DEBIT CASH WITHDRAW AT BANKING CENTER # AS WELL AS CONFIRMATION # AND THAT IS MY PROOF THAT WHAT TOOK PLACE WAS PART OF ALL THE FRAUDS IDENTITY THEFT THAT TOOK PLACE. 
I HAVE SENT COPIES OF EVERYTHING ALL LETTERS FROM ARIZONA FRAUD AS WELLS AS FRAUD CLAIMS AS WELL AS ATM/DEBIT OPERATIONS.AND A COPY OF THE FRAUD STATEMENT WITH MY SIGNATURE AND EXPLANATIONS INCLUDING THE POLICE DETECTIVE NAME DATE REPORT # PHONE AND BADGE AS WELL AND I ALSO HAD FAX IT TO AS WELL XXXX.
This is reporting on my credit bureau file with XXXX and I need it removed immediately. I do not have a contract with this company nor have I ever had a contract with this company. Under the FCRA this company has to validate ( provide proof of my contract with them to the credit bureaus ) which they have not complied with.
I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.
I couldnt recieve my credit scores or info from 2 credit agencies XXXX or XXXX and i on the one i did get it said something about auto financing loan and mortgage loan so i dont know what those are i dont own either of the 2 a house or a car
I ha d a Prime loan with LendUp. I got a loan from my credit union and they sent a check to LendU p to pay off my loan in mid  XXXX . The amount they sent was more than the pay off. I 'm not sure the amount of the overage, but probably $  XXXX .     I have contacted LendUp repeatedly and they take days to answer messages. All I have received from them is that my refund " is in process ''. I can not reach anyone by phone. Their phone system directs me to utilize the message portal on their website.  XXXX  messages me back sometimes, but I still do n't have my money.     I started contacting them over 30 days ago and nothing has been resolved.     Horrible customer service.
One year ago I applied for and was approved for Income Based Repayment plan. You can see the approval on my website : XXXX XXXX XXXX has split into Navient, and they began harassing me about making additional payments. I wrote to them many times, sending copies of the IBR approval, but they never responded in writing. It is time to renew my repayment plan but they 're always changing their websites and making then worse, and eliminating any means of sending them communication by e-mail. I have tried to complete the renewal process online but they make it either very difficult or impossible. Really since it became Navient, it became a nightmare! I want to repay my student loans, and now I have a good job, but dealing with Navient is extremely unpleasant and they do n't respond to my written letters, which I sent with a confirmation of mailing. Now it is somehow become impossible for me to submit my Income Based Renewal, their website just says " Your identity is not yet confirmed by the Social Security Administration ( SSA ). To complete processes on XXXX requires SSA identity confirmation. '' It is just another instance of a consumer credit organization that has become unhinged and begun trampling upon the rights of those whom they were designed to serve. I spent several years XXXX here in the USA, but after enjoying this success, I felt the need to give back, so I moved to the XXXX, where I XXXX for 5 years. This culminated in my XXXX there. Upon my return to the USA, I experienced a period of low income. You can understand how I was hard pressed to make student loan payments during these periods, and I was able to get Income Based Repayment plans during those times, right up to the present. Now I have a good job and I have been trying to get Navient to update my Income Based Repayment Plan but they just will not respond to my written letters. I finally went online, although I find it extremely distasteful to do so, and still it is like trying to deal with XXXX XXXX, Although I now have a good income, I am living in XXXX, where I pay {$2800.00} a month for housing. This is in fact the average cost of housing in this area at this time. So I will still need to use an Income Based Repayment plan for a while. I will get XXXX raises next calendar year, due to successful union negotiations and my completing required certifications in automated train control systems, so the future will bring increased ability to make repayments on my student loans. It appears that none of this is of any interest to Navient. They just want to dictate terms in violation of my rights under the IBR approval they granted me last year ( see XXXX ). Please help me to deal with the 'Navient Monster '. I have tried in good faith to get them to communicate with me in writing by US mail at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX without any success. I need to get assistance with this out-of-control organization. Thank you for your time. 
yours in prayer - XXXX XXXX
I disputed an item to be removed ; being   XXXX   removed item from my report as a result of their investigation.
XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.
second time writing in. first " Resolution '' was garbage. i am done with this company unless an until this is handled right. i been here 25 years no cards being used til this is resolved right. it has not been. they say they stand behind you nothing is further from the truth. i bought tickets to a show XXXX  XXXX XXXX due to a security issue i missed the entire show. not my problem. i keep callling aAm ex who says they back you up and they keep telling me they should be able to help me at least get a credit from XXXX and it keeps as a matter of bureacracy getting closed. they keep submitting thei refund policy which in this case resolves nothing. It is not my fault i missed the show and there can be no proof from XXXX that there was not a security issue at the theater there was. This falls way short of what Am ex promises they have lost my business. this is not right. i want at moinimum a credit from XXXX and to be backed by Am ex who promises this in their marketing.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 and 60 days late in XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax
I am XXXX years old. I have been in the hospital and XXXX for the past 10 months. I XXXX XXXX XXXX XXXX XXXX and have been away from my home for more than that period of time. I received a bill from Charter Bank for {$50.00} in XXXX 2017. I did not apply for this credit. I have never received or used a credit card from this company. I was in the hospital and my daughter called and was told this was a fee for the line of credit. She explained the situation and was told she needed to send power of attorney to speak with them. She sent it and said it was insufficient they wanted her social security number. she did not provide it to them. She told them that I never ordered this credit. Faxed them the invoice and letter to their fraud department to cancel and remove these charges. They did not respond. Since the first bill two other bills have processed and each time we fax a letter stating I did not request this and to delete the charge and remove this from my name. I feel this is a scam and they are preying on old people all the charges will add up to alot and they will get from my estate if they do n't get it from me. I did not ask for this to be opened at all ... please help.
I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.
In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.
I requested a change in repayment plans. Apparently, MOHELA lacks the ability to process these requests efficiently. As such, it places the account on a " processing forbearance '', in which it unilaterally delays payment for a month and capitalizes the interest ( referencing the right to do so under the master promisory note ). At no time did I authorize this or accept this. Nonetheless, MOHELA continues to forward me mail indicating its intent to capitalize interest. This is unacceptable without additional information and/or a refusal to cite to the provision in my master promissory note that authorizes such behavior ( i.e., at no time have I authorized MOHELA the right to capitalize interest on my account ( s ) ). 
MOHELA 's forced forbearance and capitalization is a MASSIVE class-action lawsuit waiting to happen. Damages are calculable. Good luck! 
Do n't capitalize my interest ( or my wife 's interest for that mater ). 
What MOHELA is doing is the exact type of behavior the CFPB is trying to prevent.
Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX. 

Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent. 

If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day. 
Im having a very difficult time managing the XXXX this is causing.
-Refuse to modify or consider me for a loan modification. 
-Claim that XXXX XXXX  is the owner of the Note but XXXX XXXX  Denied ownership. 
-Mr. Cooper Claim they have the right to forclose but have not shown proof of that right. 
-A ledger from inception of the loan have not been provided as requested
In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.