WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, after hurricane Irma, I contacted Mr. Cooper to obtain an extension on my loan. My previous experience with and understanding of how loan extensions work is that usually several months payments are pushed to the end of the loan and the interest amount due is added to the principle balance, making those payments come due at loan maturity date. This was my understanding of what was going to transpire when I contacted Mr. Cooper and what the representative at Mr. Cooper led me to believe was going to take place if I met the terms of the agreement. I received a follow-up letter from Mr. Cooper dated XX/XX/XXXX approving my request and confirming our agreement. The letter states that the agreement begins on XX/XX/XXXX and that I am to pay XXXX dollars for the first 2 months, ( XX/XX/XXXX and XX/XX/XXXX ) and then {$250.00} per month for another 2 months ( XX/XX/XXXX and XX/XX/XXXX ). I met the terms of the agreement and made the required payments of {$500.00} on time as stated in this document. Then, inXX/XX/XXXX after this 4 month plan ended I began making my normal monthly payments on the loan. I made XX/XX/XXXX and XX/XX/XXXX but when I sent the XX/XX/XXXX payment in it was refused and refunded to my checking account. It was at this time that I started getting letters demanding the payments in full that I had skipped during the 4 months, and threatening to foreclose and they would not accept any more payments from me. In fact they rejected my XX/XX/XXXXpayment and returned it to my bank account. I have been assigned to numerous account representatives all of whom have been very unresponsive. I finally did speak to someone and was told there was a meeting in XX/XX/XXXX by the management, several months after Mr. Cooper had agreed to assist homeowners, and they had a change of heart on assisting any homeowner that was past due at the time the agreements were made. They also told my daughter the same thing when she called. So, several months after pulling all these homeowners into this forbearance agreement, they decided not to honor the agreements they had made with those homeowners who were past due at the time of offering assistance and that they were going to issue demands for payment of all the funds they had told those homeowners not to pay for 4 months. So, once they pulled them in, got them further behind by deceiving them with these agreements, they then decided to send demand letters and foreclose. These are deceptive, unethical and possibly illegal practices on the part of Mr. Cooper. How can they entice homeowners into not paying their mortgage payment, pulling them further into arrears, enough so that they had grounds for foreclosure? You cant make an agreement then decide several months later in a meeting that you are going to change the terms of those agreements after you led the mortgage holders to believe that they were being offered assistance. I would like Mr. Cooper to do what they told me they were going to do and extend those payments to the end of my loan. You may correspond with me or my daughter.
I applied for an American Express XXXX card about a year ago, and there was a sign up bonus of XXXX points for spending certain amount. I met the spend requirement, but never received the bonus points. I reached out to Amex at least 5 times, and spoke to multiple managers. Over the phone I was given several different version of story, but all of them told me that I will get the points soon, and it was either computer system glitch that they will fix soon, or no thing to worry about, the points will be credited to my account in the next few weeks. That is why I wait and wait for months after months, but still no points.
This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please help.
I had disputed the reporting of a paid NY state tax lien with Equifax. I sent a certified letter with proof of payment from the State of New York. Citing a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I asked for this to be removed from my credit report and to show proof of investigation within 30 days. 

I had received no response from Equifax for now 60 days. I have repeatedly reached out in hopes to resolve the issue with no response back from the agency.
We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.
In XX/XX/XXXX I started a loan modification ( FHA HAMP ) with Bank of America, this lasted 5 years and more than 15 different loan modification papers sent to my house for me to sign and notarized. My original loan amount was {$220000.00} at 5.25 %, when the original set of document were signed my balance was {$210000.00} under the modification {$48000.00} was put in a Subordinate Note. the interest stayed the same and my loan was extended back to 361 term ( it was at 331 ). Present day, I am trying to do a refi cash out to make improvements to my townhome, during the process we have found that BOA said I had 2 loan mods, which shows as liens on my property one for XXXX and one for XXXX they also stayed that I was late in my paper work ( at the time I did not noticed that in the 15 different packages the sent me ), I never missed a payment or was late at any time with them. 
the fact that it took them 5 years to do a loan modification, now in XX/XX/XXXX my loan is jumping back to {$200000.00} ( with the {$48000.00} added back to the loan, present balance with XXXX is {$150000.00} ) which also means that in 10 years I have only paid XXXX off this loan makes me feel like I was taken for a ride by BOA. I would like a certified letter that shows the {$51000.00} lien/debt gone and any explanation of what happened and why my loan $ is still so high. 
I have requested a timeline copy of all my payments made to BOA. 
thank you in advance, XXXX
Nationstar Mortgage has failed to respond to our requests and clarification of the following : 1. They are not crediting or applying the correct payment amount we made towards the principal since XXXX 2016. 
2. They created an escrow account to pay the property taxes and the home insurance without our knowledge and/or consent. 
3. They made payments for the property tax for a bill we had already paid on time, they also paid the home insurance that was not due until the end of XXXX, 2016 4. The Tax Collector office rejected the duplicate payment from Nationstar and sent the money back to them ; however, Nationstar still has an escrow balance on our account even though the Tax Collector returned the money to them We have several requests in writing as well as by phone to correct the principal balance, which is off by about {$5400.00} to no avail. We get transferred from one person to another and they promise to send an explanation letter but they never do. 
We requested to close the escrow account since we are taking care of the property tax and home insurance ; they still have the account and the balance due for something we do not owe. PLEASE HELP. 
Nationstar has refused to modified our loan twice, the current rate on our loan is 5 % which is about 1.5 % above the current rate
XXXX XXXX, 2017 I sent {$650.00} to friend in XXXX XXXX XXXX. The Western Union office in in XXXX XXXX XXXX. When he went to bank to receive the money, he was told there was NO transaction! A few days after, friend AND a customer service official from XXXX XXXX XXXX emailed me about this incident. Was told that the bank was HACKED, by XXXX terrorists AND the XXXX have hacked 10 banks in XXXX, including XXXX. They only HACKED Western Union accounts. I called Western Union about this incident # XXXX got the run around. THEN found a web site for Western Union problems XXXX one of the clerks gave me a NEW email address that I DID NOT receive from phone operator. I sent numerous emails about this issue, referring to incident # XXXX given me by Western Union. NO REPLY 'S from Western Union. Then I made a claim with state Attorney General 's office, believing the weight of the office would make a difference. Little did I know the Attorney Generals ' office informal Dispute Resolution process is voluntary and involves compromise. Western Union would NOT resolve this issue, according to email from Attorney Generals office
I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX   supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX  was rudeness talk to nasty with no concern nor caring! I spoke with XXXX who informed me that they sent XXXX  a letter asking them to remove the fraudulent inquiries from my credit report and they still refuse to do so. I spoke with Mrs. XXXX with XXXX fraud department XXXX XX/XX/XXXX at XXXX XXXX
I am a victim of identity theft and the inquires listed below are a result of the identity theft XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.
On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.
XXXX showed up on my inquires on my credit report did not apply for credit with XXXX
Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.
V original contract between myself and XXXX States the following, By 4 lines for {$XXXX} extra line for {$XXXX} a month a limited talk unlimited text unlimited Internet. 
Account was closed on XX/XX/XXXX all bills then paid attachment bill and receipts. 
But I have notice to cancel all services On XX/XX/XXXX Stated and lost monthly bill statement. 
Cancelation shows under current charges total monthly bill for XXXX was XXXX Attach is a copy of the bill and receipt as stated shows Cancel next bill highlights. 
Received another statement for the most of XXXX shows {$75.00} per line a total amount of XXXX For a Canceled service. 
Contacted XXXX to resolve the subject they do not have a collection of the account. 
I was harassed by several collection agencies to collect a debt For a service I canceled 2 months prior.
I have sent Equifax XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Equifax is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Equifax along with a final certified receipt date XXXX/XXXX/2015.
Every time I call XXXX XXXX XXXX for a current account, they always ask me how I want to take care of paying 2 old, time-barred accounts, for which I have notified them and demanded that they cease and desist trying to collect on time-barred debt. I have advised them that they are in violation of Federal Law when they try to collect on those accounts, but they keep asking me how I 'm going to pay for the accounts. They also sent me letters for the debt from Servicing companies who were trying to collect on the debt that was first delinquent in approximately XX/XX/2005.
On XX/XX/2017 I authorized automatic payments on the XXXX of every month starting XX/XX/2017. An unautorized payment was run by PRA Group Inc on XX/XX/2017. I called my financial institution, and they stopped the transaction and released the funds back into my account. I then emailed and called PRA Group Inc and demanded they cease and desist any and all efforts on my accounts with them due to their practices breaching the FDCPA by processing an unauthorized trasnsaction without my consent. On XX/XX/2017 PRA Group Inc ran my financial information again, and collected the payment a second time, after being notified to cease and desist for the original unauthorized payment.on XX/XX/2017, due to violating 15 USC 1962e ( 10 ) and 15 USC 1962f ( 1 ) ( 4 ). Thank you for your time.
I took took a medical loan through Monterey Financial Services ( MFS ) approximately in XXXX of XXXX. The total loan was for {$2200.00}. The payments that I can currently prove I made to XXXX {$1900.00}. 

XXXX is illegally reporting my loan information. XXXX has XXXX entry on my credit report stating that my last last payment made on the account was XXXX/XXXX/XXXX. I made the following payments after XXXX : Date Amount Transaction Description XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$600.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$120.00} XXXX XXXX XXXX CA *I believe I made XXXX additional payments between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, but waiting for credit card statements. 

XXXX illegally added a second untrue, derogatory entry to my report stating that I have an additional collection account with a past due amount of {$4200.00}. XXXX further stated that I was placed in collections on XXXX/XXXX/XXXX due to non payment. 

Both of the entries XXXX made on my credit report are inaccurate and fraudulent. I have tried to fix this issue with XXXX over the phone, in writing and most recently through XXXX, with no resolution. 

As a result of XXXX fraudulent entries on my credit report, I was denied a job working at XXXX Technology that required XXXX XXXX XXXX. I will be able to obtain an Affidavit from the hiring XXXX, where she specifically called out XXXX ' derogatory entries.
Navient is my loan servicer. My monthly payment is {$110.00} per month on a consolidated federal loan. I routinely pay my loan and have never missed a payment. Sometimes I make overage payments ( {$150.00} instead of {$110.00} ). Instead of applying the difference to the principal, they reduce the amount of the loan due for the next month. If I make a payment that exceeds the next month, they advance the due date of the loan. Per their instructions, I attach a post-it note to the check that says " Do not advance due date. '' Evidently this has not been happening. I just made a payment of {$500.00} ( that has not posted yet and it's been 10 days since I mailed it ) and they told me it would push my payment ahead four months. I told them that's not how I wanted it. I changed my account settings to reflect this on their online system as well. 

Navient consistently demonstrates their efforts to take advantage of students paying off their debts. They capitalize on the interest and hope they don't get caught. I explained to them that if they're going to extend my due dates out for the loans, I should just not pay them for four months, save the {$500.00} per month myself and then pay the entire balance off at once. 

This is utterly ridiculous. How can people get out of debt under this manipulation and misrepresentation.
It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Applied for a loan in XX/XX/XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.