WillisBack/dataset-financial-user-claim huggingface dataset:
Homeowner XXXX XXXX accepted terms of a permanent loan modification with Select Portfolio Servicing ( " SPS '' ) on XXXX XXXX, XXXX. ( See Executed Loan Modification ). 
XXXX XXXX continued to make mortgage payments in accordance with the terms of the recent modification agreement until he received notice from SPS on XXXX XXXX, XXXX informing him that an Annual Escrow Analysis review determined an overage in XXXX XXXX escrow account and that his new monthly mortgage payments would be {$770.00} as of XXXX XXXX, XXXX. ( See Escrow Analysis ). In XXXX XXXX XXXX XXXX began making his mortgage payments in the new amount determined and in accordance with the XXXX XXXX notice until XXXX XXXX when he was made aware that SPS had not been applying any of the mortgage payments made since XXXX. IN XXXX XXXX, XXXX, inexplicably, SPS then unilaterally unmodified the loan. ( See Billing Statement ). SPS should have honored the terms of the Loan Modification Agreement and should have accepted the adjusted payments remitted based on their own escrow analysis. 

XXXX XXXXFind all supporting documents as a single attachment enclosed.
I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with Equifax, XXXX and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Paypal refuses to fix their security algorithm that keeps flagging my account every time I make a payment. I literally need to call them every single time I need to make a payment through them and basically ask if it 's ok. They are not my bank and all of them have no idea why PayPal is doing this to me. I have proven my identity every time I have called to the point I have no more information to send them. They literally took every drop of personal info I had and still was n't enough. They are acting in control of my own money when they have no legal right to. I have to call them 20 times in one day to do business on XXXX. Every single online transaction needs their approval. Why. Who do you guys think you are. It is literally costing me money to deal with you guys because your own failure as a company.
I was sued for a debt from XX/XX/XXXX on XX/XX/XXXX by Results Unlimited and attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, Va XXXX regarding XXXX in the amount of {$1100.00}. I was unable to pay this debt. The suit was twelve years after the lease expired. Results Unlimited and Townhouse Park Apartments are still attempting to collect this debt and has placed a lien on my bank account. This is 18 years after the remaining balance on the lease was owed. 

Besides the statute of limitations expiration under the Fair Debt Collections Practice Act, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, attorney 's and Townhouse XXXX have place a lien on my bank account which contained Department of Education Student Loan Funds disbursed by XXXX University on XX/XX/XXXX. 

These funds are to be used only for educational purposes and XXXX XXXX XXXX XXXX, where my funds are currently being illegally withheld from my use and possession, refuses to release my Student Loan disbursement funds due to an 18 year old debt claimed by XXXX XXXX XXXX, their attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

My Student Loan funds are being illegally withheld to pay for an illegal judgment during my law school examinations and has caused me to suffer severe emotional distress. 

I would very much appreciate a call tomorrow Friday, XXXX/XXXX/XXXX to help me to get this matter resolved. 

I can be reached at XXXX. My email is XXXXXXXXXXXX. 

Have a blessed day.
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from Trans-union, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.
I have an account with Western Union. I make a transfer every month using their service. I am pretty satisfied with their service. However, something happened this last transaction that bothered me and I feel compelled to submit this complain. 
This is a transfer I make on a monthly basis to XXXX, where I have a business. The money sent is used to make payroll for the local employees. I requested an online transfer on XXXX XXXX, 2016. WU website informed me that the transfer was recorded and on XXXX XXXX they withdrew the money from my bank account in USA. Generally within three days the money is transferred. However this time there was no money transferred and so I contacted WU and an agent told me that everything was fine and that the money will be available on XXXX XXXX in my account. 
I realize there are regulatory compliances to fulfull while transferring money overseas, and accepted their delay as normal. 
Generally Western Union would immediately send me an email confirming the request I have made. Most of the time, it would mention that the transfer is on hold pending investigation. Since I have registered with Western Union and have provided them the reason for the transfers ( which is for expenses in the business ) they advised me to wait a few hours and they would release the funds after the investigation is completed. I would generally receive a confirmation of fund transfer about two hours after I make the transfer. This time though, they did not send me any email and when I contacted them a few days later, told me that everything was okay and that the money will be available on the XXXX in my bank in XXXX. 
On the morning of XXXX XXXX I received an email from that saying that I need to contact them regarding the transfer. After I contacted them, they failed to give me any reason why they did not contact me earlier, or did not tell me that there was a hold on my transfer the week before. 

I would like to get an answer from Western Union why they are refusing to give me an explanation.
I keep getting calls on my cell phone from Synchrony Bank on my Care Credit account, which apparently is a call center in XXXX XXXX, XXXX. I explained that they are not authorized to call my cell phone for debt collection. The clerk and his supervisor would not listen to me in spite of my repeating that I would make a payment XXXX/XXXX/2015. When I found out the 'collectors ' were outside the XXXX XXXX refused to 'preauthorize ' a debt to my checking account for XXXX/XXXX/2015, which they threatened to add additional late fees. I told them I 'd send a check with my statement 'tear off ' payment form. I explained I give no one my account information over the phone and especially not someone outside the XXXX speaking to me as if XXXX were my XXXX language ( very demeaning and degrading ) without allowing me to speak. When I was to be transferred to the XXXX division the line went dead.
I have XXXX mortgages with LoanCare and for the past 3-4 months I have been trying to sort out a missed payment. I pay through my bank and all payments appear to have been made on time and I have proof of payment documents. I have attempted many times to sort this out with LoanCare via phone and email to no avail. I leave messages ( as they say wait time can be up to 10 minutes ) but no one ever returns the calls. I have sent emails with proof of payment information but they have only responded 1 time and their response was incomplete. I am selling the XXXX home and will close today. When I received the pay off information they still do not have the missed payment and are charging a late fee as part of the settlement. Also I made a payment as directed by the title company on XXXX XXXX, 2017 and Loancare still does not reflect this payment.
I was told in the Citibank online advertisement ( that applied by clicking through ) I would earn {$400.00} when I opened a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. Bonus will post within 90 days from the date you complete all of the requirements. 

I opened the accounts on XX/XX/XXXX and the money was deposited into the accounts on XX/XX/XXXX. This was 10 days after the account opening, well within the 30 day requirement. I deposited {$15000.00} into the checking account and {$100.00} into the savings account ( on XX/XX/XXXX ), thus meeting the total and individual account amount requirements as well. I left the money in these accounts until XX/XX/XXXX not using or moving any of it. On XX/XX/XXXX I withdrew {$2000.00} from the checking account. Thus the money was in the accounts at the proper amounts for longer than the 60 day requirement ( XX/XX/XXXX-XX/XX/XXXX ). The account is still to this day open and in good standing yet I have not received the bonus that should have posted at the end of XX/XX/XXXX ( around XX/XX/XXXX is 90 days after I met all of the requirements ).

I chatted online with a Citi customer service representative on XX/XX/XXXX. He said that I was owed the bonus and should have been paid in XX/XX/XXXX ( I took a screenshot of him saying this and attached it below ), he said that he was issuing a ticket and that Citi would get back to me within 2 business days ( also screenshot and attached below ). I have still heard nothing from them. I then contacted Citi customer service again this past Friday and he said that there was nothing he could do but have my issue expedited. I still have not heard back from Citi and still do not have the {$400.00} bonus. My statement just closed again on XX/XX/XXXX and I was hoping the bonus would be in the account then but it was not.
This was a very old Wamu Credit Card dating back to XX/XX/XXXX going on 10 years old which only had a credit limit of XXXX. I made a payment of XXXX on XX/XX/XXXX. The economy came down on us as we were XXXX XXXX   that year and we had to close our XXXX and almost filed bankruptcy. The last known balance on this card thats on record was XXXX as of XX/XX/XXXX. I never got another statement after that and WAMU never notified me of anything. They wrote the account off and it was turned over to XXXX XXXX last I knew. So this is a third party debt collector now which didnt inform me properly or give me any chance to settle. Ive heard some very not nice things about them. They are called XXXX XXXX and they are trying to Garnish my wages which are State Funds for Taking care of my Elderly XXXX Mother in Law. I think what they are doing is very illegal and they are saying I owe them over 6,000.00. I offered to settle for the XXXX I originally owed but they turned me down. I need help as I cant really afford to pay and feel really cheated in this matter.
Per Certified Credit Reporting Report # XXXX, XXXX, Equifax, and XXXX have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
I had a credit report of XXXX obtained a copy of your EXPERIAN Credit Report. I have not applied for any credit cards. I am concerned about a fraud attempt to open a credit card.
I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.
On XXXX XXXX XXXX I contacted XXXX and TransUnion regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX XXXX that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first. <P/>Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...
XXXX XXXX XXXX Talk to XXXX XXXX about the debt i paid in full with XXXX XXXX XXXX was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. 
I need to know the next steps and what 's legal remedy we consumer have
A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.
All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, XXXX, Transunion ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.
cosigned for student loans in XXXX for XXXX XXXX XXXX. I contacted Navient in XXXX requesting release as cosigner. O was told he had to have proof of education. Months of trying to track this down yielded no results as the school has closed and no records are located at the state department. I again contacted navient and was told XXXX needed to make the request and his loan didnt require education proof. He did so. The request was denied stating he needed proof of education and 12 consecutive on time payments immediately proceeding request. He had a late payment because he didnt receive a statement after we started this process at which time he put the payments on autopay and brought act up to date. Navient was again contacted after this letter and questioned why the denial as he was told proof of education not needed and the reason he had late payment in 10 years. Navient responded stating he does not need proof of education but he did not have 12 consecutive payments immediately preceding the request. We feel cosigner should be released based on navient keeps changing reasons for denial. XXXX has made on time payments for over 10 years. Their website indicates you need 12 consecutive payments but does not say immediately preceding request. He has proven his credit worthiness over the last 10 years, has a good credit rating, and a steady income and to which proof was provided. We so feel they didnt send statement on purpose so cosigner could not be released. Navient customer advocates ( XXXX XXXX + XXXX ) do not return numerous phone calls despite their statements for us to call them.
I have never been given appointments or scheduled calls with XXXX. I have had a person named XXXX follow up and leave me a random VM along with a collection department. I have made payments and have never been given disclosure that the keepyourhome california program expired and stop taking applications until XX/XX/2018. Shortly therafter bof a waited until the expiration to file this. This is not good faith or the ability to assist or help show options. I was then referred to the bofa special dept because my loan is being serviced by a special dept. I would like communication or will be forced to hire a debt defense litigator
XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.