WillisBack/dataset-financial-user-claim huggingface dataset:
My home was foreclosed, and the servicer Select Portfolio Servicing ( SPS ) out of Utah, did not adhere to the homeowners bill of rights. It is as if it does n't matter to them. I never spoke to the point person that you are entitled to have. The servicer never tried to work something out with me. 
Additionally, ( SPS ) engages in dual tracking, which is another violation of the Homeowners bill of rights. I have an inherited property that ( SPS ) is now trying to foreclose on. They are not specific with their instructions when they send out a modification packet, however, when you send the required documentation, they become specific, and document it as they did n't receive it, but the truth is, they would not accept it. By the time you send the documentation the way they want it, other documentation has expired, causing you to have to resend it. This is a trick, because they will place a sale date on your property in the process, and say if they do n't receive the documentation your property will go to auction. They then sell it to a XXXX party to clear their books. Now your recourse is not with the servicer but the third party, that may or may not know what is going on. When my primary residence was sold, I discovered that XXXX actually held the note. When my primary residence went to auction, it did n't sell and became an XXXX and from XXXX to XXXX I was going into XXXX asking them to reconsider what had been done, except, XXXX could not identify me either by Social Security number or Loan number, I spoke with the branch manager, by the name of XXXX XXXX and he called his back office. I had been fighting XXXX for 6 years because they created the default, and for 6 years they were unable to foreclose on my home legally, so XXXX simply sold the loan to ( SPS ) and it is clear their only goal was to foreclose on my properties, and decided to engage in illegal activity, as well as ignoring the homeowners bill of rights, because nobody is regulating it. I would like to see this illegal foreclosure reversed and my property returned to me. My case is further complicated because my properties are in private label security loans ( PLS ). the financial institutions have no intention of working with homeowners with principal reduction, however, are willing to sell them to speculators at a discount and displacing the homeowner, I have information that the speculator that purchased my home, has a non-profit in XXXX XXXX CA, and yet between he and his wife have recently purchased XXXX properties in XXXX XXXX CA, in XXXX zip code, XXXX of them on my same block, he has no desire to live in these properties, just wants to flip them to make money, this is not fair to homeowners. When I was notified that ( SPS ) was the new servicer, I informed them that their were unresolved issues with another financial institution, they replied, they have no say so on which loans they service.
Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
This is for XXXX, Transunion and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, Transunion could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} , XXXX XXXX  showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
I have a Wells Fargo Credit card that went into collection & now have a judgement against me. Which I just found out. 

On XXXX XXXX, 2017 Wells Fargo legal recovery set-off went into my checking & savings account. Took all my money leaving {$100.00} to live on. 
Totaling {$5800.00} gone! 

Can they do that?
My loan started to adjust in XX/XX/XXXX, it has continued to adjust. My payments were about {$1300.00} a month and now they are {$3700.00} a month. They forced an impound on my account when they paid for back taxes when I was in BK. I was in a repayment program with the county during the BK and had done exactly what they county advised me to do.

I have been trying to get a modification since XX/XX/XXXX, every time I send the documentation they request they ask for something else. By the time they get back to me it is 3 months and they want more updated documentation or they turn me down with no explanation. It has become a vicious cycle. I live in a beach community, I purchased my home in XX/XX/XXXX. In XX/XX/XXXXwe found a builder, constructor defect that had caused massive mold in my home. I eventually had to file chapter XXXX  BK. It had to be torn down to the studs. After having to sue the builder I barely had enough to rebuild. It still didn't fix the problem and I have found leaks each year when we have bad storms. Hopefully I have finally fixed the leaks, it has not leaked in 3 years. When I had to rebuild my home we turned the back bedroom into a studio apartment that I could get {$2000.00} a month income from if and when I choose to rent it out for extra income. I have struggled to keep my home all this time. I rented out my house as a vacation rental a few months of the year to pay my property taxes. Currently I have been forced to rent out my home on a regular basis in order to pay this huge mortgage payment to avoid losing all the equity in my home. I stay with my boyfriend and my children when it is rented out. I have tried to get a reverse mortgage and don't qualify. I don't qualify for a refinance, I am XXXX  and have been since I was XXXX  years old, I am now XXXX  years old and on a fixed income. My home is all I have, all the equity is my retirement, which I can't access. The lender has now stated that they are sending the loan back to the original lender BofA to approve. My loan has been sold 4 or 5 times since the original loan, I don't understand why it would be going to BofA for modification approval.

I have tried to sell the home with no success. I owe {$520000.00} on my home, it is worth at least {>= $1,000,000}. After I sell my home with all the realtor and other fees and taxes I won't even be able to purchase another home in the area I have lived at for the past 30+ years. Since I have had to rent out my home on a regular basis I no longer qualify for the {$250000.00} tax credit when I sell it. I love my home, I want to keep my home. I am in desperate of help. I no longer have a savings, everything I have goes to making the {$3700.00} house payment. PLEASE HELP ME The stress of this nightmare is killing me physically and emotionally. My health is worse than it has been in years.

I applied for save your home CA, was told I had to take my house off the real estate market, and had to be off at least 2 months. When I called back in XXXX XXXX  they were out of money. HARP turned me down because I had too much equity.
Disputed a duplicate charge on my Capital One credit card. After receiving acknowledgement and a credit from them, the charge was later debited to my account with a follow-up letter telling to work it out with the merchant and that the case was closed.
There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.
After contacting Equifax to get a dispute taken care of, my name was changed by them because a collection agency told them the name on the account was wrong. They sent them no proof, just said that they knew it was wrong because of the account name they had. When I received the results from Equifax and noticed this, I called Equifax to try to get the name put back on there correctly. They stated that they had to have proof from me ( copy of driver 's license, social security card, passport, etc. ) before they could changed the name. I asked them if they had proof from the collection agency that my name was what they changed it to and they said no but that they had to have the correct name to report to them. When I called back in XXXX, 2015 they had XXXX separate names listed. I told them then that XXXX of the names was wrong and was never my name. They said ok, XXXX names would stay. I accepted that because I was n't sending them anything through the mail for proof. When I received this new information on XXXX/XXXX/15, the other name ( which was the correct name ) had been taken off entirely. I requested that Equifax put the correct name back on there and they said they could not do so without sending the proof mentioned above. Again, I asked how a collection agency could change my name without this information when, I, the account holder could not change it without this information. They said they must have proof from information they had. I stated then they did n't have proof or they should have shown it to them ( Equifax ) as well. They refuse to change my name without these copies and I refuse to send it to them because I do n't want it falling into the wrong hands. 

It is up to them to prove why they changed my name. I have had no problems with any other credit reporting agency. I have no problem sending this information to a legitimate company but do not know why I should have to prove who I am when the collection agency had NO RIGHT to change my name in the first place. They had the correct name on the account when I called in to dispute the last problem. They should have NEVER taken it off without contacting me, either by mail or e-mail. 

I would like to have the correct name put on there and the other removed in its entirety. Please advise what my options are. Like I said earlier, they are the ones that removed the name WITHOUT MY PERMISSION and without any proof.
I had a car that I was paying on that I purchased at  XXXX  and financed through Santander Consumer USA that I could not for a couple months due to being sick and needing  XXXX  which I got fired for, lost my job and said I could n't pay on it due to this but as soon as I can ill pay the remaining balance. and continue paying. I was n't given that chance they sent a tow truck at  XXXX  to get the car and then said the only way to get the car back was pay the full amount of the vehicle. which no one can do. then the nex t 2  weeks sold the car for  XXXX  and wanted me pay back  XXXX  and I only got the loan for  XXXX  I also tried to sell back the insurance to  XXXX  but  XXXX  needed the millage from the vehicle and a document from Santander stating it was no longer in my position with the mileage so they would cancel the extended warranty. Santander  Consumer USA  does not try to help and wont release me any information only wants me to pay  XXXX  and I should n't owe this as they came took the car and sold it without question or allowing me to catch up on what I owe. and sai d one  month on credit report I owe  XXXX  and the next  XXXX  so which is it really?
When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.
Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX
This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to my report.
XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.
this complaint is about chase bank confiscating my excess escrow payments during XXXX while not properly accounting for those payments from me and payments made from my escrow account during the period XXXX thru XXXX that violates the cfpb consumer protection regulations and the federal law known Mortgage escrow accounting act. this act allows for chase to provide an auditable escrow statement at least once a year that can be verified by the same information that appears on a mortgage statement. 
in my case chase has been making false charges to my escrow account that include a transaction known as escrow advance recovery of {$370.00} a month for the last two years. meanwhile I am paying at least a XXXX dollars higher escrow payments than is paid out for insurance and property taxes. 

if we look at this practice for chase XXXX XXXX mortgage loans being serviced by XXXX in XXXX ohio the figure amounts to over a $ XXXX dollars a year that is not accounted for or as in my case may not being retured to the homeowner and mortgagor. 

chase has continue to stonewall me on this issue and I have received documents from XXXX that show these discrepancies in detail that indicate that chase uses two sets of books to service mortgages. one set for financial reporting and one using allegedly the XXXX platform on a desktop pc. the XXXX systems are not compatible and put out false information. chase sent me a escrow refund check when I refinanced my home at the end of XXXX for {$880.00}. 
I paid into escrow almost {$4000.00} for the year and chase paid out almost {$3800.00} that means the check that check was almost {$8000.00} short from previous years where chase was charging me higher escrow payments. their computers showed I was five payments ahead in my mortgaeg that was paid to emc mortgage during a mortgage modifcaton that included escrow paymens in excess of {$9000.00} all of those payments and escrow funds disappeared and were not credited to my new mortgage with chase. the old account number was XXXX and the new account number upon transfer to chase from their subsidiary XXXX in XXXX the point here is that chase appears to be putting all these moneys into their pockets and not paying federal income tax on this undeclared income. I have objected of these chase mortgage servicing practices to XXXX and the head of chase banking XXXX XXXX and his replacement since his removal form that position. chase continues to stonewall me on this and use these methods to manufacture defaults by raising mortgage payments while putting escrow funds into their pockets allegedly. i demand as a j p morgan stockholder a complete accounting of my mortgages with chase including the second trust from the past and audit of XXXX about their alleged fraudulent mortgage servicing practices.
I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.
I was charged an exorbitant amount of interest, so much so it made it impossible to make payments on my students loans whatsoever. Places like XXXX XXXX now Navient would n't work with me at all.
Sent dispute to company XX/XX/18 and again XX/XX/18. 
Never received any response after the 30 day period governed by the FCRA.
To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.
XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.