WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered a tax lien in t he State of  Maryland which was not correct.     I had not lived in nor worked in the State of Maryland in   XX/XX/XXXX  (   y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In   XX/XX/XXXX  I d iscovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal on    XX/XX/XXXX   noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On   XX/XX/XXXX  I sent   XXXX  proof of the liens updated status requesting removal by US Mail.     On   XX/XX/XXXX , I disput ed online through  XXXX   XXXX .     On   XX/XX/XXXX  I  mailed copy of lien withdrawal to  XXXX  by certified mail return receipt requeste d (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered   XX/XX/XXXX .      On    XX/XX/XXXX   I  spoke with a  XXXX  customer service agent to check status of my request for investigation. I was told that investigation was incomplete.       XX/XX/XXXX    XXXX  reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State of Maryl and as this was a lien filed in error. I sent information by US mail and confirmed documents had been received.      XXXX  is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The State of Maryland recognized the error and filed a motion to vacate and withdraw while  XXXX  has failed to properly investigate and report the error.
I am refinancing my mortgage. A payoff demand was sent to the current mortgage servicing company on XXXX/XXXX/16. They issued an inaccurate payoff, because when they took over servicing of this mortgage they mistakenly created the account as a daily simple interest rate loan, instead of a 30-year fully amortized mortgage. Repeated efforts to get them to correct their error and issue an accurate payoff have failed, and my refinance can not proceed without an accurate payoff. Please note : This mortgage and another mortgage on a different property closed at the same time with the same originator on identical Notes except for the principal amount and interest rate. The same firm is now servicing both mortgages, but they got XXXX wrong ( as a daily simple interest loan ) and the other XXXX right ( as a 30-year fully amortized mortgage ).
I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.
Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.
The insurance company is responsible for this charge, I was and presently am a XXXX and medical /XXXX insurance is extended 31 days after separation from employment. I left my job the same month I visited this XXXX office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the XXXX insurance company. I 've regained my XXXX employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 
The collection company has responded to my CFPB complaint and agreed to remove the incorrect information, Equifax is not complying. 
Company responded -XXXX said : Explanation of closure We will remove the account from your credit report to allow you the opportunity to clear up any confusion with your insurance company. 

Equifax is jeopardizing my chances of home-ownership. They also have refused to update my payment information on other accounts after repeated requests on my behalf.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was XXXX. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX
XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
I have a Private loan serviced by AES. The lender is XXXX. I attended the University XXXX XXXX in NC and received a XXXX. I could n't obtain employment so I went back to school and attended XXXX XXXX XXXX College and obtained an XXXX. During my time in school I obtained several government student loans and I honestly do not remember obtaining a private student loan at all. I have asked for a copy of my application to confirm whether this is my loan and AES has refused. I decided I would go ahead and pay the loan to protect my credit. I have been paying on this loan and have never been late but the balance keeps increasing. AES has been applying all of my money to interest & not principal. The alleged original loan amount was XXXX and now they have me owing over XXXX. Over the years they have changed the interest rate & payment amount several times without notifying me. Just recently that interest has gone up again, therefore my payment has also gone up. I really value my credit rating that is why I continue to pay on this loan, but I really need someone to help me with getting confirmation from AES and XXXX to confirm that I actually signed for this loan and to review my loan documents to ensure that the terms of the loan are legal. I am pleading for the government to do a thorough investigation of AES and XXXX in reference to their loan practices. I feel they are taking advantage of honest hard working students seeking to advance their education in order to make a better life for themselves. It is very shameful and disgusting how AES & other lenders are allowed to commit these atrocities at the expense of students & their families. Thank you for allowing me to voice my concerns regarding this important issue. Predatory student loan lenders are proving to be very detrimental to a promising future. I hope that I and many other struggling borrowers can find relief. Thank you.
On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and Transunion. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
i have paid an attorneys office XXXX XXXX XXXX after they reposessed my vehicle on XX/XX/XXXX for this credit card debt ... ..i got my car back after paying in full,,, the original debt was XXXX from XXXX XXXX , but i had to pay XXXX after the towing service for my vehicle they took from my home as collateral to get me to pay my delinquent XXXX XXXX  credit card ... i have paid in full in XX/XX/XXXX, and on XX/XX/XXXX they reported my credit bureau as this full balance being delinquent still ... it is still affecting my credit. i have been in touch with the attorney office and XXXX XXXX, and no help..
Are house payment was auto draft out of are bank every month on the XXXX. The loan company did not take out XXXX payment out of the bank then in XXXX they started pulling a full payment and a week to two weeks later they pulled a half payment. They where doing this until the end of XXXX. Every time we would talk to them we would get a different story from them saying that we are two months behind then a week later saying we are five months behind. Are bank says that we should be caught up and now the loan people as got are credit all missed. Up that we can not even refinance are house loan.
I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX, TX. The loan sad for {$1200.00}. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company, stating that I needed to retain legal representation, just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX, yet, they have threatened to do so. I want people to know that this is illegal. Is there any way you can help me get this taken care of? Thank you in advance!
My Fianc paid the company XXXX to help her get a modification on her mortgage, after approx. 2 years of this company going back and forth and asking for paperwork which we gave them, and switching people working on our file an loosing paperwork, they advised us back in XXXX of 2017 they could not help us any longer and we would have to file for chapter XXXX. Not once did they get in touch with us after that day and I have tried several times to call them back and ask them for some type of refund and they do not answer our calls. Total disrespect for a person reaching out for help.
I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.
I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
have just been treated very poorly by XXXX different members of the navy federal team, XXXX in the loan payment dept an intake person and a supervisor, and a third person XXXX in their customer service dept ( which is a joke ) ..i refused to verify my business email ( which i do not use for my personal banking ) ... the first girl refused to take my payment, which she could have verified by many other means, i have had this car note for over 10 years and i used to be an employee of navy federal ... the supervisor refused to take the payment as she doubted my ownership of the business account at another bank ( gee wonder why i do my biz banking elsewhere? ... could it be lack of service and customer care from navy federal? ) ... .i am the president of my corporation and see this as a real insult ... so here i am at XXXX on a monday morning trying to get my bills paid so i dont cut into my " sales time '' with my customers and i am dealing with XXXX " too uptight '' employees that are refusing to take a " payment '' on a car note ... .what kind of institution is this ... perhaps you are so used to bullying the young military personnel and their spouses that you routinely deal with ... that you have forgotten your customer service goals ... i am extremely disappointed in the level or nonexistant service that i have received this morning ... you have wasted an hour of my valuable time ... and i am having to mail a payment in snail mail ... due to your poorly trained personnel ... am forwarding a copy of this to your ceo ... .i am embarrassed that i formerly recommended this institution ( navy federal ) to other family members..i will address this issue quickly and post this on XXXX so others can be aware of your treatment of your " members '' ... .which apparently you dont care too much about retaining ... XXXX XXXX, Pres/ceo XXXX, XXXX florida .... 

their employees were combatitive, insisted i was receiving email confirmations of payment ( when i am in fact receiving confirmations via postal service ... which is my preference ) ... 

the employees exhibited no good faith customer service effort to collect the payment on behalf of the lending institution and to help avoid the consumer going into a late payment status ... .by refusing to accept the payment from me on a timely basis. 

argued with me over how past payments had been made argued with me over whether or not my name appeared on these outside banking accounts a very poorly run credit union where membership means nothing
I applied for a Va home mortgage through Quicken Loans. I worked on it from XX/XX/2018, until I received a Full Letter of Approval on XX/XX/2018. This went through underwriting and they totally verified all my asset, credit, & debit. After receiving the Full Approval Letter I was guided through the closing process, I paid for inspections- {$740.00}, appraisal- {$500.00}, HVAC inspection- {$60.00}, Title Search Fee- {$1800.00}. On XX/XX/2018 I received a denial letter stating that they can not service the loan and this was 2 weeks before my closing date of XX/XX/2018. They have yet to give me a legitimate reason why they backed out on the loan. All they could tell me is that someone screwed up and dropped the ball. I am a XXXX-year-old Veteran not knowing where to begin so that I can purchase the home before it is sold to someone else. Quicken has not followed through with his promise of reimbursing me all of my money. They have not been honest with us from the beginning. XXXX XXXX is the Chairman of this company and I want to believe after reading his profile that he would not agree with how his company is dealing with his clients so unprofessionally.
So in XXXX while I was going through XXXX I called to concern about my loans since I'm already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount. 


I called Navient asking them for the document of my last phone which the representative told me didn't exist but, that I have now. 


I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don't have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me. 
They waited to basically financially destroy me ... not realizing that a credit score is required for a decent job and if i don't have a decent job ; then guess what? It puts me at risk of not being able to pay. 

The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT? 

Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong. 

O an then hit my credit score twice for each student loan back to back in XXXX. 
Meaning 6 TIMES in one month. I have 3 loans.
I keep getting calls and voicemails from ( XXXX ) XXXX on my cell phone and land line about collecting a debt on payday loans that I have never taken out. The voicemail say that I am a " person of interest '' in a time sensitive legal matter, which in other words is saying that you are being investigated by law enforcement. The company claims to be Highpoint Asset.
On XX/XX/XXXX, I tried to purchase a money order for {$650.00} from the USPS located on XXXX XXXX XXXX. in XXXX XXXX, Texas. After USPS added its fee of {$1.00}, my total bill came up to {$650.00}. 

After inserting my debit card ending in XXXX and entering my PIN #, the worker said the payment terminal " froze on her, '' and that I should try again. No receipt or money order was produced - I did not receive the money order for {$650.00}. 

I tried to pay for the money order again two more times, and experienced the same transaction error. However, one debit of {$650.00} has posted to my account on XX/XX/XXXX for the money order that I never received. 

I urgently need the funds returned to my account now. 

Thanks.
XXXX XXXX in Wisconsin calls me 3 times per day on a {$300.00} personal payday loan taken out 4 years ago. I have received threatening calls from Texas accusing me of bank fraud in this matter.
I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017. 
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.