WillisBack/dataset-financial-user-claim huggingface dataset:
LOAN NO : XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX DECEASED ) PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, Washington, DC XXXX My father, XXXX XXXX, had a reverse mortgage on his home at XXXX XXXX XXXX, XXXX, Washington, DC XXXX in the approximate amount of {$210000.00}. XXXX XXXX passed away on XX/XX/XXXX. As his daughter and sole heir to the home, I was required to pay the balance of the reverse mortgage. As the home owner, I refinanced the home by taking out an FHA loan to pay off the reverse mortgage. My settlement took place on XX/XX/XXXX and {$210000.00} was disbursed to Reverse Mortgage Solutions XXXX XXXX XXXX via a wire transfer on or about XX/XX/XXXX. The total of {$210000.00} was based on a XX/XX/XXXX payoff instead of an XX/XX/XXXX payoff. XXXX failed to provide my settlement company with an accurate payoff statement in a timely manner. In summary, XXXX owed me funds XXXX interest refund ) based on the XX/XX/XXXX settlement date. XXXX issued a check in the amount of {$350.00} to the " estate of XXXX XXXX XXXX XXXX XXXX '' and did not issue the check payable to me instead. I am requesting that the check be issued to me instead. Please note that XXXX XXXX was previously XXXX XXXX ' financial XXXX. However, XXXX XXXX 's role terminated upon my father 's death. In summary, I personally paid off the reverse mortgage via the FHA loan refinance and the funds should be paid to me. Due to the fact that the check was sent to XXXX XXXX 's office, my privacy regarding details of the refinance was compromised. XXXX staff were well aware that I paid off the loan and should never have sent the check to XXXX XXXX who was not involved in the payoff of the reverse mortgage in any way. I am requesting that XXXX pay an additional {$640.00} to me for disclosing personal information to a party outside of the transaction XXXX XXXX XXXX XXXX. I am requesting a check for a total of {$1000.00} XXXX {$350.00} + {$640.00} XXXX.
I was aloud to continue with school while waiting to get a response for my XXXX. I had been approved for it the previous XXXX times I applied but this time was taking longer then normal to get a response. When asked if I should temporarily withdraw, I was told no, they could n't promise me a spot when I returned. Because it was denied ( with no solid reason to do so ), I was forced out of school unless I came up with XXXX XXXX that day to cover what classes I had already taken. I never once signed anything agreeing to pay this amount nor agreed to stay in school if student aid could n't help me. I feel I am being tricked into this by XXXX XXXX and even after many attempts to get a solid explanation to their decision. I am not entirely sure who else I can turn to at this point or what I can do. I do n't have the money for a lawyer and now am being sent to collections. I filed an appeal with the school, heard nothing then received a paper in the mail from a debt collector. After contacting the collection agency, I informed them about the appeal, they contacted the school which in return told the agency they had never received an appeal. Two days later, I get a phone call from the director that she did get it, denied it and was sorry that nothing was sent out to inform me. Like I said, there are no signed documents from me agreeing to take out any such loan through XXXX college. When asked to see the XXXX, I was told they did n't keep them on file, after contacting XXXX, they do n't have it on file either since it was never filed to begin with AND apparently do n't keep XXXX over a certain amount of time. I have copies of all documentation between the school and myself regarding my past overrides that were approved and the paperwork about the one that was n't approved. None of it makes sense. Please help. I am now XXXX of dollars in school debt over a degree I was 3 months shy of getting because of something the school decided that was completely out of my control. 
The campus is located in XXXX, Ohio
I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.
On XX/XX/XXXX I deposited a check for approx $ XXXXinto the ATM, this check was from an out of state client and was drawn on another bank. Much to my surprise, I was granted full access to the funds which was a Saturday. I waited until Monday, XX/XX/XXXX to go to the bank and made sure the funds were truly available. The teller said it was available, all of it, I proceeded to take out {$2500.00} of the available balance in cash and went to another bank ( XXXX XXXX XXXX ) and deposited it into a said account that was the client 's sub-account. Later that day alarm bells were going off at Wells Fargo saying the check was being returned and I was out my {$2500.00}. That check should have had a hold of at least 2-3 business days to clear and not made available to me, the bank customer. This has caused me great distress. The client has not been able to be reached as there as out of the country for several months. At this point, nothing has been done by Wells Fargo to make this right. I have filed a Police Report with my Local Police force. They also agree the bank is at fault. The Wells Fargo Branch is known as the XXXX XXXX Branch in XXXX Md. I have attached the check in question and the deposit slips I received My contact there is : XXXX XXXX Assistant Vice President Branch Manager XXXX XXXX Maryland Wells Fargo Bank | XXXX XXXX XXXX | XXXX, MD XXXX XXXX XXXX Sincerely, XXXX XXXX
There are  XXXX  very old  XXXX  accounts that are not supposed to be reporting on my credit. The  XXXX    XXXX   card account has an account number of "  XXXX ****** '' with an open date o f  XX/XX/XXXX . T he   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX  .   Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called   XXXX   a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
My personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a XXXX XXXX of XXXX XXXX Service member.
Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!
Wrong information and when calling them very rude, threatening to take me to court and mess credit report. Explained I have fraud alert on account this info is inaccurate and false of the debt owed. I have disputed and need off all three bureaus
I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!
Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. 

Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. 

They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. 

This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. 

Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.
Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.
I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My
To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XX/XX/XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
Thank you
I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
I work for the XXXX XXXX and have for a total of 20 years, I have been filling out paperwork for years trying to get these loans on an income based plan, which interestingly enough calculates out to zero payments every month, this is why I am ignored and it keeps showing up on my report. These student loans through navient should have been forgiven years ago
I wrote to Navient back in XXXX of 2017 asking for information regarding my account. This included the promissory note, information on how to lower my payments, how to apply for lower interest rates, as well as an offer to settle the loan completely. I offered to settle the loan at the original loan amount of {$12000.00} or for them to make an offer to me. I asked for a response within 15 days. I was ignored. In the meantime, my co-signer was also in contact with them via telephone. He offered to settle the loan for the same {$12000.00} and the offer was denied. The counteroffer was actually more than is actually owed on the account. He also told my co-signer that there wasn't much they could do with lowering the monthly payments, and my co-signer explained that I can not afford the monthly payment amount of {$290.00}. 

The other issue that I am having with Navient is that they are harassing myself and the people around me. They call my home phone number around 35 times a week, multiple times a day ( somewhere around 6 different times depending on the day ). They have called cell phone numbers of my relatives and are now starting to call my workplace. It is completely inappropriate and I would like the harassment to stop. It is not just effecting me but others around me, who have nothing to do with this loan. 

Navient has been harassing me to make payments which I financially can not. My income is less than the bills I owe. They keep contacting me but yet ignore me when I contact them, or when myself or my co-signer offer a solution to the issues. We have offered to pay off the loan and were met with rudeness and an unrealistic counter offer. 

I have sent out letters today ( both old and new ones ) to 3 different addresses. I sent letters to general correspondence, processing and the office of the customer advocate. I also sent these with signature/tracking so that I know whether they are received or not. I did this because Navient so far has ignored any letters I have sent. 

If I could afford it I would be making payments on this loan. The financial situation that I am in right now does not permit me to afford the current payments and if Navient can't work with me, my only option is default.