WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.
There is incorrect names, address, and social security numbers on my credit report.     Incorrect Names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Incorrect Addresses :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   NJ  XXXX  Incorrect Social Security Numbers :  XXXX   XXXX   XXXX
This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A  Massachusetts 93A Demand Letter has been executed against PenFed.
I have noticed that XXXX XXXX have placed an inquiry on my Experian credit file dated XX/XX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way.
Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.
My husband and I cancelled our credit report freeze on Monday, XX/XX/XXXX with Equifax.

As of close of business last night, Thursday XX/XX/XXXX our credit reports remain locked and frozen. XXXX XXXX XXXX has been trying for 3 days to pull our scores and only get a locked message. 

When we call Equifax Credit Freeze Dept at XXXX we get sent to someone with a barely understandable accent who only repeats that our credit is unlocked, and there is no one else to talk to. 

When we ask for an email to prove they have unlocked our credit scores, so that XXXX XXXX XXXX can contact their Business Dept with proof they will not provide it. 

XXXX XXXX XXXX has been told by Equifax Business Dept that they can no nothing unless there is proof from US the consumer that EQUIFAX has unlocked our credit score! And Equifax will only MAIL in 7-10 days a statement saying it has been unlocked.

This is completely obnoxious, and offensive that they block and then refuse to assist without proof that THEY won't provide in a timely manner. 

We stand to lose out on purchasing a business property because of this delay and terrible lack of service. 

Doesn't ANYONE oversee Equifax? 

There is no PROOF of their complete lack of service since they refuse to give any without a 7-10 day mailing period.
I have had several issues with Navient/XXXX XXXX over the years. Initially years ago they had two  accounts under my name because they made a typo with my SSN. This caused one of my loans not to appear under my actually SSN numbers and subsequently led to collections and an impact to my credit. Also, over the years I had been paying more than the minimum payment but found out later that the over payment was not being applied to principle. When asking their collections how I can get ahead online I was always given different responses. One being that this was not possible. I feel as if they intentionally make it difficult so that you are stuck in an endless cycle of debt. I also see that my interest rates have increased greatly. This is not manageable in anyway. I believe one of my loans had a fixed rate but it seems that was increased also. I am helpless here and need to figure out how I make a dent in these loans.I have no problem making payments, but I am not getting anywhere with these high interest rates and my inability to pay towards principle easily.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.
First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM
In XX/XX/2018 I opened an account with Citibank with the promise that if I deposited XXXX, in 6 months I would get {$400.00} bonus. I got the email and everything was good. Came XX/XX/XXXX I called citibank to see when I was getting the bonus and was told XX/XX/18. XX/XX/XXXX I called again because I still havent seen the money and this time was told that I was not going to get it because I didnt qualify. Now the only thing I needed to qualify was deposit the money which I did n now they refuse to give me the money. I put in a dispute with the XXXX  as well and now need to know how to take them to small claims so they never do this again to anyone else.
I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.
My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.
On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX-XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX
I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the money.
Scottrade Bank was hacked, yet Scottrade Bank staff refuse to acknowledge that the XXXX of customer credentials exposed effected both Scottrade XXXX and Scottrade Bank accounts. 

I have written to Scottrade Bank, Scottrade XXXX, and Scottrade XXXX XXXX on a number of occasions and they al refuse to respond to my complaint. In turn, after a number of phone calls to management, I received a phone call from the branch manager who said my account had been permanently frozen and will be closed shortly. Allowing my no opportunity to withdrawal the funds and giving me no ability to plan financially. The branch manager at Scottrade was very rude and acted as though he did not care that I have paid XXXX in fees for the past few years. My last quest was a request that I talk to the legal department, Scottrade profusely declined and has since then blocked my calls. 

I am writing to the CFPB in hopes that Scottrade will provide an appropriate and customer friendly response.
Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. 

It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. 

I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. 

*I currently can't attach a pdf of the email so below is it copied. 
Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. 
XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment.

2. Provide the last 4 digits of your SSN to open the document.

If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. 

Sincerely, Williams & Fudge , Inc. 

XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. 


XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. 

You may contact us at : Williams & Fudge , Inc. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area