WillisBack/dataset-financial-user-claim huggingface dataset:
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
LUSTIG, Glaser & Wilson P.C FAILED to comply with the Massachusetts Consumer Protection Act. 
Creditor is in violation of 209 CMR 18:18 ( 1 ), ( 2 ), ( 3 ) Creditor is in violation of 940 CMR 7:07 ( 4 ), ( 8 ), ( 9 ) AND ( 15 ) Creditor is in violation of 940 CMR 7.08 ( 1 ), ( 2 ) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in 940 CMR 7.08 ( 1 ), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials : ( a ) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected ; ( b ) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; ( c ) The name and address of the original creditor, if different from the collecting creditor ; and (
I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.
Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.
year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.
I have Wells Fargo as the mortgage company, they sold my home and did n't give me a fair review. I had tried working with them and nothing happened. I opened a complaint with Wells Fargo and XXXX XXXX was helpful but the proof that was provided from their end shows the part of the mistakes they did. I always provided them a full packet and all the documents necessary for them to review my loan. I am attaching that information with my complaint. They said they did nothing wrong but several times I got denied for not having enough income and in a letter that Wells Fargo provided as proof it clearly said that they verified my income to be {$0.00}, how could this be? when they had my taxes and my paystubs. They did this to me several times, and that I had a {$300.00} surplus. Of course I wont get qualified for anything if they verify my income to be {$0.00}. This is very upsetting and they took my home. I submitted a response to plaintiffs motion to confirm sale and I will provide all this proof, I need them to be investigated I had also filed bankruptcy before the sale date time, and I received a call from a Wells Fargo representative asking about the bankruptcy. The man informed me that I didnt have to file bankruptcy that Wells Fargo would assist me. After that call Wells Fargo informed me that there was no stay and that my home had sold, but with the court house I had confirmed that there was a stay, they informed me that the automatic stay takes effect once the documents are through and they give me a sheet with the case number and the time I need to go back for the meeting with the creditors. I need help there are many homeowners going through the same situation as I am. 

Thank you
The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe.
My husband and I have a 2nd home condo mortgage with Ditech. 
the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage. 
We were solicited by Ditech to refinance. 
My husband started discussing this with an agent in XXXX XXXX. 
Ditech stopped my paper statements in XXXX XXXX. 
I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech. 
I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX. 
During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies. 
On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment. 

To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment. 
2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth.
4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time. 
6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.
I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX   that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!
As co-signer of a school loan with XXXX XXXX with the understanding that I did not want the responsibility of co-ownership of the loan. The rep at the time and I agreed that I would write a statement on the signature page on not sign on the dotted line. As long as my son was paying the loans there were no problems but when he got caught up in financial problems, they came after me. Though I am now paying the loan to XXXX, my request for " Proof of Signature '' is repeatedly answered with a computerized signature. I ask for assistance in obtaining the original signature page which may or may not allow me to clear my name and my credit. 

Additionally, I contacted XXXX XXXX five years ago, about a different loan I co-sign and they said they did n't have anything for me but for my son. Six months ago I started receiving threat from their collection agency and when I had my son call, he was told that I had to pay off a complete loan ( of which there were XXXX, but only XXXX with my signature or permission ). I know it is standard practice to go after the " co '' if the payments are not made or stop but these things are insinuated on me without verification. I have tried everything to get my son to pay his loans and I do not know what my right are with the situations or the loan companies. I just want proof of signature ( not computerized ) from XXXX XXXX and because I did co-sign for the XXXX ( just XXXX not XXXX ), I need to know where to start. Now there is another, ( not sure who, please see attached ) they are requesting I pay XXXX at XXXX time when I was n't aware that there was an issue. My son has not lived with me for a couple of years and the first time they contacted me was to ask for payment is full. I am willing but I have to know where to begin and the collection people do not want to talk it out, they want money. 

Any direction or assistance in obtaining the information I request as proof of my obligation/non-obligation will be greatly appreciated.
I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me
The company will not let go of co-signer even if the terms of letting go of the cosigner has been met. All 5 question on How to let your cosigner off your loan on the companys own website has been met. Also they will not tell me what their magic number of to let the cosigner off of the loan. The company just say they will not let the cosigner go and will not disclose what the number that they are looking for on a credit report. So even if your credit is 700 plus the company may decide that your score is not good enough to dismiss the cosigner of the loan. THIS IS UNFAIR TO THE COSIGNER AND SHOULD BE CHANGED. THE COSIGNER HAS MET THEIR DUTIES AND SHOULD BE RELEASED.
XXXX  I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. Pursuant to the Fair Debt Collection  Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.
I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called Ability Recovery services for the amount of {$1000.00}. I have no knowledge of this debt so I sent Ability Recovery a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from Ability Recovery Services in regards to the validity of this debt. The homeowner program advise me to send a admission of silence letter to them, which was sent on XX/XX/XXXX and they did not respond to that letter either. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like Ability Recovery Services to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
I am having serious concerns regarding a student loan I have through American Education Services. Loan information is as follows : Disbursement date:10/28/2004. Loan Program : XXXXCurrent Balance : {$13000.00}. Original Balance : {$16000.00}. Interest Rate : 5.130 % I have been in repayment for over 10 years and have paid {$15000.00} since I began repayment and my balance has barely lowered. According to the standard repayment plan it should be completely paid off by now. Even more concerning is the repayment schedule seems to be moving backwards. Every month the principle portion lowers while the interest portion gets higher, the exact opposite of what one would expect to happen over the life of the loan. I have never missed a single payment and only had XXXX payment in the 10+ years of repayment which was late, by about ten days. To compound the frustration AES will not respond to my inquiries. I would appreciate any assistance you can provide to help me determine what is going on with this loan. I have the wherewithal to pay the loan off entirely, however I am reluctant to do so until I get to the bottom of why it appears that I 've paid far more interest than expected. I thank you in advance for your helpSincerelyXXXX XXXX
This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND COMPLAINT
XXXX and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and TransUnion is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Bank of America. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Bank of America refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.
i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/account.
On XX/XX/18 to a MoneyGram location to send {$300.00} to a recipient in XXXX. I provided all identification for verification required and paid any required fees in addition to the {$300.00} in cash. According to the service advertised and selected, the money was going to be available in 10 minutes the same day ( XX/XX/18 ). 

When the recipient went to pick-up the money the next day ( XX/XX/18 ), he was told he does not have the correct reference number. surprised, I then sent him a picture of the receipt which bared the same reference number. The recipient went back on XX/XX/18 to pick-up the money and was told that in fact the reference number was correct ; however, MoneyGram has blocked the disbursement. I called MoneyGram customer service the same day to inquire on why the money was not available as promised, and was taken through a lengthy ( and abusive ) verification on the phone without providing me an answer on the were about of my money. 

I ultimately ended the phone call, went to the store, and cancelled the transaction for a refund on XX/XX/18.
After reviewing my credit file I notice two accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''