WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One XXXX asked me to provide our physical address earlier this summer, presumably due to law. The Post Office in our area does not deliver mail, so our bill comes to our Post Office Box. 
I called the number on their request letter twice and gave them the physical address twice. In XXXX, I was trying to check into a hotel and was told my account was restricted. I called Capital One again, and was told, for the 3rd time, that I needed to provide my physical address ; I provided it a third time and the restriction was removed. Today, I found out my account had been closed. I called Capital One and guess what ... .they closed the account because " I had not provided them the information they needed '' ... .MY PHYSICAL ADDRESS ... .AGAIN ... FOR THE 4TH TIME!! So now I have to wait anywhere between 7 and 10 days for the account to be reactivated. Time to find another credit provider.
I sent a check for {$1200.00} and Goodwill letter to XXXX  XXXX on XX/XX/XXXX. 

They cashed the check for {$1200.00} and still are perusing me for more money and are damaging my credit report. I sent XXXX  XXXX a faxed Copy at there request on XX/XX/XXXX of the original Goodwill agreement Letter dated XX/XX/XXXX with a copy of the check as well. 
I received no response from XXXX XXXX. 

I sent a dispute letter to XXXX  XXXX on XX/XX/XXXX. They singed for the letter on XX/XX/XXXX and never furnish the credit bureaus with the required disclosure, within the period required by law.
I am not sure what happened. I think my ex-husband applied and received a payday loan in my name in 2010 when we were at the end of our marriage so he could move. He handled all of the bills. This company has continued to call my job since 2010 and I have asked them several times to not call my job. I have also asked them how can I resolve this issue. I have asked if I can file fraud documents to prove this, I was told if I shut up then it can be explained. I calmly asked and was still rudely told to shut up and it would be explained. XXXX XXXX ( Supervisor of Verification from Mid-Atlantic Debt Collection ) XXXX told me to shut up numerous times until I finally hung up on him and blocked the number.
I had an auto loan with Santander. I was unable to continue the XXXX a monthfor the car, after three years, I voluntarily surrendered the vehicle in 2012. 
Santander has now placed a negative report on my credit saying I owe XXXX
my loan with bayview loan servicing was sold to XXXX on XX/XX/2015 according to XXXX there was no escrow in my account to transfer to XXXX.my mortgage was then increased by XXXX as you have to have XXXX to start escrow .I can not understand what happened to the escrow acct with bayview loan servicing.i get help from nj tax freeze every year. I can not understand if I had to have XXXX. XXXX for escrow to started with XXXX did I have extra money the the bayview account. also my mortgage was sold to XXXX 2x in one month what is that all about.also I would like this resolved with bayview as it has really messed up my loan with XXXX. I have contacted the dept of banking reguarding both of these companys. as I think they should not be allowed to be in business.
My mortgage servicer " Nationstar Mortgage '' continues to misapply my payments, Every month I make and additional principal payment which I have instructed them to apply to the unpaid principal balance along with my principal & interest payment due. When I get the monthly statement they are posting the additional principal as a short payment and reporting a " Lender Paid Expense ''. This company has not incurred a " lender paid expense " on my account. I have contacted them every month and they have not resolved the matter and continue to misapply the payments. HELP!!!!
XX/XX/XXXX, payment was disbursed to NAVIENT on XX/XX/XXXX, by our credit union. They submitted a paper check as an electronic payment. Despite having sent a copy of the statement, showing payment, they insist we now send them a triple payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would send the XX/XX/XXXX payment, but with the XX/XX/XXXX payment still unreesolved ( I think deliberately to set up penalties and fees ), I am reluctant to do so and am unsure of what to do. 

Furthermore, although we had some foresearances ( with XXXX, before we were commandeered by NAVIENT ) we owe almost as much as we started owing IN XX/XX/XXXX!!! 

Getting informationnfrom them is like pulling teeth. Now I would n't trust their word. 

HELP!
XXXX  you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF
The addresses is reporting incorrectly on my report.I have no knowledge of any of the addresses other than my current residence.89 XXXX XXXX XXXX ct XXXX this has been my address for 10 years.
I refinanced my mortgage with XXXX XXXX XXXX ( XXXX ) and closed onXX/XX/XXXX. Part of the closing costs included paying the interest that would accrue fromXX/XX/XXXX -XX/XX/XXXX, so as ofXX/XX/XXXX I technically owe {$0.00} in interest as it has been paid. <P/>I borrowed {$240000.00} at 4.25 % on a 30-year note with a {$1200.00} P & I payment ( excluding escrow as it does not impact this issue ). <P/>My first payment was/is dueXX/XX/XXXX and I paid it onXX/XX/XXXX. On XXXX 's website the payment shows the payment 'Applied Date ' and 'Effective Date ' asXX/XX/XXXX. So from XX/XX/XXXX toXX/XX/XXXX approximately {$460.00} of interest has accrued on the principle balance ( math on this calculation below ). 4.25 % ( rate ) / 365 ( days in year ) x 16 ( days of accrued interest ) x {$240000.00} ( principle ) = {$460.00} XXXX applied the payment showing that {$870.00} was applied to interest and the remaining portion of the payment went to principle. I called multiple times to have my payment applied correctly so that I paid the interest accrued to date of payment, but they are stating I must pay all of the interest for the month which is in violation of Fair Lending laws.
On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. 

On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. 

I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also  have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.
I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since XX/XX/XXXX.
Wrote letters about 45 days ago with the results of verified XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.
I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter.
Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.
XX/XX/2016 I received an AmEx mailing offering an AmEx Premier Rewards card with a XXXX point bonus after $ XXXX spend. I was uncertain if I have ever had this card before so I called AmEx to confirm that I was eligible. After speaking to XXXX different people it was determined that I was in fact eligible for the bonus. I was informed today that the bonus was declined.
I XXXX experience hardship due to car issues, ill parent, and child XXXX that has caused me to miss work and therefore income. I applied for a loan remodification and was decline. I believe Bank of America does not want to assist me because the property value of my home is high and they will make money but selling the home. The initial modification ballooned my payment higher than what I originally paid. Therefore causing me to fall behind on my note. Now they are proceeding with foreclosure. I do not find this practice just. I have submitted documents which were the same income and bills that approved my first modification. Please help. I do not want to lose my home.
I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what *claim* this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.
Loan Modification.  This has been  a 10-year iss ue ( mortgage was born   XXXX   XXXX  , negative amortization ), the pursuit and continued pursuit of a loan modification.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  , and now the loan servicer is " Shellpoint ''. I am in currently review for a loan modification, submitting documents full of bank statements, paychecks and more. Before my application is even fully received, a notice of trustee sale date has been assigned -   XXXX   XXXX   XXXX  . I have called them everyday, and receive the same message about them needing paperwork - and I have sent this paperwork, I feel they are stalling and are actively looking to foreclose rather than modify.  Two w eeks ago,   XXXX   XXXX   I am callin g Shellpoint an d sending requested documents.   XXXX   XXXX   I call, and they say no documents received.   XXXX   XXXX   I call, and they are closed for the  Holiday .   XXXX   XXXX   I am calling, and they say no documents received. Later that morning, I receive certified mail stating a trustee sale is scheduled  for three  weeks. Later that day, I cal l Shellpoint an d they say the documents received, are not complete.   XXXX   XXXX   I call - and they continue requesting documents that have been mailed, faxed & emailed. I have never spoken to my " Single Point of Contact '' - NEVER, and I have tried calling each  one o f these single point of contacts.
XXXX XXXX agreed to remove item from my credit report, however this company continues to report this fraudulent information.
Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me.

I was enrolled for ONE AND A HALF MONTHS, and they're  saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. 

They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. 

They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. 

I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.
I was told to consolidate which was n't best thing to do do as it increased amount of initial loan amount I was told to use forbearance as I could n't pay full amount of payments as I have XXXX and can only work parttime I have tried to get income based repayment plan started but I keep being told my information does n't match federal records. I will call on that again as my sign in information allows me to view student loans but I am told it does n't match records when I try to do anything by phone.
I received the two messages below this afternoon regarding my XXXX XXXX accounts and Transunion credit report, but...I did NOT contact Transunion on XX/XX/XXXX,  XXXX XXXX. Of course I am extremely concerned that someone may have accessed my credit report and is trying to gain access to my XXXX XXXX accounts. I have been on the phone with Transunion for most of the afternoon without resolution to my concerns. I have copied the text from the emails below.
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Email received today at XXXX XXXX CST:
Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked about information specific to your XXXX XXXX account. Although wed like to help, TransUnion is not able to provide any details related to your XXXX XXXX card. Please contact XXXX XXXX directly via your XXXX XXXX account online and click on the Chat Now button. You can also call the number on the back of your card to speak with someone over the phone. If you dont have you card, you can call XXXX (XXXX), and someone can help you anytime. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
How do I dispute a paid item?
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Email received today at XXXX XXXX CST:
NOTE: The email came to my XXXX inbox, but was addressed to XXXX. 
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Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked how to change info on your credit report. If you dont think what you see in XXXX  is right, you can review the information from your TransUnion credit report in the Credit Report section. Just click on the icon that looks like a piece of paper that says report. Detailed information on all of your opened and closed accounts  as well as your personal info, like name, date of birth, and address   that are reported to TransUnion is available there. If you find a reporting error, click on the button that says, see something wrong? to read some additional information and follow the instructions to have it corrected. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
I have not went by the name XXXX XXXX since XX/XX/XXXX . My current name is XXXX XXXX XXXX and I am XXXX.  I live at XXXX XXXX XXXX XXXX Indiana XXXX. I have tried to change this several times and get kicked off.  I have also paid off some of the debts. I am trying to build my credit up to purchase a new home and car.
On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.
Social security cards, birth certificates, and bank cards were stolen they belong to my kids and I. Documents were stolen while transitioning from XXXX XXXX to civilian. Multiple credit cards were fraudulently created, as well as a bank account and apartment leases.
I sent a validation letter to First Financial Investment Fund Holdings located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, pertaining to a medical bill in the amount of XXXX dollars that was placed on my credit reports. They have not provided the proof requested in the letter send on XXXX the XXXX, but instead continues to report the said debt monthly to each of the credit bureaus.
My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. XXXX months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last XXXX years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.