WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in hopes of getting some satisfaction with regards to a foreclosure process gone crazy.     I had a deceptive Loan Originator give me a Home Equity Line of Credit I did not ask for. Unfortunately, due to a family medical emergency had to use.     Paid on it no problem, after being a Primary care-giver for nearly  XXXX  yrs. ( and not working  )  my  XXXX  passed, the next year Bank of America tripled my payment. I could not afford this and tried to get it modified, they kept changing the person I sent docs to and kept having re-do everything. This went on for months, then they said we ca n't offer any hardship programs because you are a good pay. You will have to stop paying in order for us to do anything.     So I did, then they started with foreclosure letters, then mandatory mediation before foreclosure. Spent months in this program, finally back working, now I do n't ( ca n't ) qualify because they are adding in all their extra late fees etc. and now want {$1500.00} a month.     Btw, this whole time, I have been a customer for  XXXX . NEVER late on my primary mortgage.     Now, they have blocked my account, I am trying to get reinstated and they have added over {$5000.00} in fees to a {$4700.00} past due. While trying to see if they could waive any of them, the figures became outdated?  ( 10-15 days )  NOW they want to charge me {$13000.00}?????????????? BUT, they wo n't even let me wire anything because, well, I do n't know why.     HOW can they continue to get away with this treatment of customers??? IF you ca n't help me WHO CAN??? Please I am absolutely devastated and now apparently broke as well.     Sincerely,  XXXX   XXXX   XXXX  day # m, w, th, fr -  XXXX  home #  XXXX
I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you
Official Complaint Against : Equifax & XXXX XXXX XXXX ( XXXX ) ( Reason For This Complaint ) I Was Unable to Obtain Credit Due To The XXXX XXXX XXXX XXXX Score Calculation Methodology Equifax Hack & Breach Of Personal Data For People Everywhere Is A Contributing Factor My XXXX XXXX XXXX XXXX Score ( FICO ) Has Been Messed Up Since This ~ It Keeps Showing as XXXX or ( XXXX ) This Is A Huge Problem This ( FICO Score 8 ) System of Calculating People 's Eligibility For Credit Or Lending Is Not Accurate The Research & Facts : The Federal Trade Commission in XXXX Had Ordered a Cease And Decist Order Against Equifax Due To Some Of Their Practices It Can Be Found as PDF on FTC Site As Federal Register / Vol. 60, No. 35 / Wednesday, XX/XX/XXXX / Notices It Appears That Equifax Ignored Key Points Of This Order : It is ordered that Equifax, in connection with the collection, preparation, assembly, maintenance and furnishing of Consumer Reports and Files, forthwith cease and desist from failing to : 1. Maintain reasonable procedures designed to limit the furnishing of Consumer Reports to Subscribers that have Permissible Purposes to receive them under Section 604 of the FCRA, as required by Section 607 ( a ) of the FCRA The FICO score was first introduced in XX/XX/XXXXby XXXX, then called XXXX, XXXX, XXXX XXXX and is based on consumer credit files of the three national credit bureaus : XXXX, Equifax, and XXXX. 

FICO Scores Are Inaccurate For These Two Reasons : 1 ) Equifax Cease And Decist Order Of XXXX 2 ) Equifax Data Leak ( Breach ) Resulting From The Known XX/XX/XXXX Hack People 's FICO Scores Can No Longer Be Accurately Calculated From The Three Sources When One Of The Sources Has Failed I Am Requesting That This Complaint Be Addressed To The Fullest Extent Capable By Your Agency, As Well As Escalated To Other Agencies To Resolve This Matter Equifax & XXXX XXXX XXXX ( XXXX ) XXXX Are In Violation Of : FCRA ( Fair Credit Reporting Act ) + ECOA ( Equal Credit Opportunity Act ) + Failure To Comply With The XXXX Cease & Decist Order
I received an wage garnishment for debt to U.S. Government, I called Windham Professional at ( XXXX ) which is contracted to collect debt by US Department of Education. I requested to enter a payment plan at which time the rep asked me for contact information. This would include mailing address and a active phone, I told the rep that i did not have a active phone and please contact me via mail. The rep told me should could not offer me any assistance because i did not have a active phone number. I ask the rep to please provide me with written terms that stated a person had to have a active phone to receive help or even a payment plan. The rep could not provide me with requested information so she transferred me to a XXXX XXXX which he also collaborated her statement that i could not received any help or payment plan because I do not have an active phone. XXXX XXXX referred me to The Department of Education to received requested information as it pertain to getting help/payment plan qualification. I spoke with operator XXXX ( XXXX ) @ The Department of Education that stated that the information told me was not incorrect. Windham Professional practice discrimination and unfair business practices against me on XX/XX/2016 around XXXX. I am seeking legal counsel because I feel that my rights have been violated by this company and I want to exercise all my resources to expose their practices toward consumer.
I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?
I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.
On  XXXX   XXXX , 2017, I was charged a {$25.00} ACH return fee for a  XXXX  purchase of {$59.00} made on  XXXX   XXXX , 2017 due to NSF.
Subsequently, on  XXXX   XXXX , 2017, I was charged another {$25.00} ACH return fee for the same purchase ( my account still did not have sufficient funds to cover the purchase ).  XXXX  attempts to RETRY several days after the first attempt resulting in the bank charging fees on the original ACH return as well as subsequent retries. On  XXXX   XXXX , 2017, I was charged yet another {$25.00} ACH return fee for the original  XXXX  purchase.
On  XXXX   XXXX , 2017, the same thing happened with my  XXXX  auto insurance autopay. I was hit with a {$25.00} ACH return fee. On  XXXX   XXXX , 2017,   XXXX    attempted an ACH retry. I was n't charged a return fee this time because the bank froze my account.
I received a letter on  XXXX   XXXX , 2017 from the bank saying that I had excessive return activity, and that they would close my checking account if it continued. Although I take responsibility for the original ACH returns, I am not in control of ACH retry attempts, and the bank is charging me fees multiple times for each retry ( even though ACH rules do n't consider retries as seperate transactions ).
I hereby dispute the fees and/or actions associated with ACH retries.
I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.
I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?
XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
I have held this loan with Ocwen Loan Servicing for over 7 years and have made various attempts in the past to re-finance loan with them and have been consistently told I could not even though the loan is current. Most recently ( 3 yrs or so ago ) in one of out attempts, Ocwen told me to stop paying the loan so that I can modify the loan. I chose not to do that as it would hurt my credit. I continued paying the loan as scheduled. I received a notice stating I could refinance through a subsidiary of the parent company and when I called, was told that if the property was in transit of being sold they could not do anything for 90 days after it is taken off the market. When I called, the young lady I spoke to asked if I had modified this loan since that is what the record shows. I explained that we did not modify despite them suggesting for us to do it. On the occasion I was told to stop paying so I could modify, I was given that advise without them checking my credit etc. The loan was and continues to be current and now I received a notice from the lender raising my monthly payment by {$75.00}. It seems the only option the Ocwen has given me is to default on the mortgage which is not an option. It seems despite the fact I am a good customer and in good standing, I am being penalized.
I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.
I requested my CoreLogic credit report XX/XX/XXXX. I received the wrong credit report on XX/XX/XXXX. I reached out to CoreLogic to let them know they sent the incorrect XXXX credit report. On XX/XX/XXXX I received my XXXX credit report. I seen some items I didn't agree with so I started a dispute. In there letter they mentioned if a consumer shall find any inaccuracy that the agency shall conduct a reasonable investigation. I found that hard to believe. I never received any validation with my signature on it which I asked for on XX/XX/XXXX for validation. Corelogic responded back on XX/XX/XXXX stated it was verified, still no copy with my signature. I wrote back on XX/XX/XXXX asking again. CoreLogic responded back on XX/XX/XXXX stating that they already verified and I need to contact the creditor to confirm validation. Why would I contact the creditor, Corelogic is the one reporting the inaccuracy on my credit report? Then XX/XX/XXXX CoreLogic suggested again that I need to check with the creditor. If CoreLogic doesn't have validation ( signed contract ) with my signature on it, they need to remove/delete inaccurate information reporting. They then tell me in the meantime they have open a dispute on my behave. I find coreLogic in violation of my consumer rights and I like to seek relief and recover all monetary damages that I maybe entitled to section 617,616
Citizens Bank claims I owe XXXX since XX/XX/2017 for a credit card transaction card # XXXX. They have not provided proof I owe this money. Supervisory staff hasnt returned my calls and refuses to escalate my complaint for internal review. The bank has reported this past due amount to the credit bureau impacting my credit report. I would this issue investigated and if its determined I dont owe the money, a corrective letter sent to the credit bureau.
I have Sent several letter 's asking for XXXX XXXX to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail on XX/XX/XXXX allowing them 30 days to provide proof.. On the XXXX day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I have never done business with Keybridge and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies as they are in violation of the FDCA/FCRA acts.
In XXXX, when the XXXX XXXX XXXX XXXX program started, I called Great Lakes and asked if my loan consolidation qualified for this program. I explained that i was employed in XXXX XXXX since XXXX and wanted to be sure I was eligible for this forgiveness program in 10 years when I could apply for it. I was assured that I was definitely qualified that all I needed to do to qualify was to have a consolidation, which they informed me that I had the consolidation done in XXXX and that I would be fine and able to qualify for the forgiveness. At some point XXXX acquired my student loans. This year in XXXX, I applied for the public service student loan forgiveness as I made my payments on time every month for the past ten years and remained in full time public service. I promptly received a letter telling me that my loan consolidation did not qualify for this public service forgiveness. I am thoroughly enraged about this and believe I was misinformed by Great Lakes about the type of consolidation and eligibility for the public service forgiveness. Now, I have another five years to pay on this loan or more to have it paid off.
I recently applied for employment with XXXX XXXX in XXXX XXXX, Texas. As part of the application process I submitted to a background investigation. I was later notified that my investigation results had me ineligible for employment by XXXX and that the decision was based on information outlined in the report conducted by Sterling XXXX. The report contains information of a firearm conviction for a XXXX, by comparison my name is XXXX. I have never used an alias, but Sterling XXXX saw fit to utilize aliases using variations of my name and submitted these findings to my prospective employer. I was later notified and informed that my offer of employment had been withdrawn as a result of this erroneous information. To clarify this matter I acquired XXXX separate background investigations, XXXX from the XXXX Bureau of Investigation and the other from the XXXX Sheriffs Department. Neither of these reports contained the lengthy and misleading info found in Sterling XXXX report. I fully believe that the erroneous information regarding firearms convictions resuted in my loss of employment opportunities that would have led to management opportunities with the largest employer in the country.
The late fee of XXXX dollars were charged on XX/XX/XXXX by Bank of America. I set up an autopay but it didnt work. I called them explaining but they didnt try to understand the situation, the difficulty and complication of their system, they blamed my action only. I definately set up through their website. I talked two people and they both were very rude and they couldnt even set up an autopay for me which other credit cards did for me sometimes or at least explain. They refused to waive the fee and even refused my request to talk to their supervisor. I never had this bad service from credit card company before. Not only just a fee they should really change their customer service. Completely unacceptable.
Ive been disputing this collection account for months now, I asked national credit systems to validate the debt, they only sent a lease agreement. Nothing showing that are able to collect this debt, meaning that the debt was assigned to them, nor does the XXXX that they sent me include the amount owed thats being reported. They are reporting that I owe is XXXX. According to collection laws If the debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report.
Transunion is not honoring FCRA 605B. I submitted an identity theft packet requesting a block to Transunion via certified mail on XXXX-2017. The item was delivered on XXXX XXXX, 2017 at XXXX XXXX. Instead of blocking items, Transunion opened a 30 day investigation which was scheduled to complete on X/X/2017. FCRA 605B requires four items in order to reauire a block of information. 1. Appropriate proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the information that is asserted to have resulted from identity theft, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.
FCRA 603 ( q ) ( 4 ) defines an identity theft report as a a report that : " ( A ) that alleges an identity  theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or  such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I have included all of the above in my identity theft packet sent to Transunion and Transunion failed to block the items. Although most items were eventually resolved through the 30 day investigation, I have yet to have one fraudulent collections come back as " verified. " although the CRA is required to block since I provided all the information required. This is not my account. I did not open the account hence why I included it in the identity theft packet. If my account was verified, its because my correct personal information was used to open the account. Please correct this issue and block XXXX from my credit report.
I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.