WillisBack/dataset-financial-user-claim huggingface dataset:
I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys
I have taken a  XXXX  credit card via  Comenity LLC  while purchasing my phone back in  XXXX  and have been paying monthly since then. After  one year, Comenity  decided to end the credit card partnership with   XXXX  and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by   XXXX   XXXX  , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in   XXXX   XXXX   to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with  XXXX  anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in   XXXX   XXXX  , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request   XXXX   XXXX   XXXX   to step in and kindly help me in this regard. Thank you
When the Public Service Loan Forgiveness ( PSLF ) program was announced, I called my loan servicer Nelnet immediately ( XX/XX/2008 ) to find out more information about this program and to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. 
I was assured by Nelnet staff that my loan type XXXX XXXX XXXX XXXX ( XXXX ) and Graduate repayment plan were eligible for the PSLF plan. They specifically told me I did not have to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program '' they explained. They stressed most importantly that I had to make all my payment on time. 
I told Nelnet specifically that I wanted to be sure I was eligible under the PSLF program as I am employed by the local government. They assured me that working for a local government would qualify for this program and not to worry.

After completing all 120 payments on time and staying employed by the local government for 10 years I submitted my verification form and notified Nelnet that I was ready to submit my final paper work for the PSLF program. The servicer said everything looked great and I should be fine. After inquiring again into this matter to double check that I wasnt missing anything, a person came on the phone and informed me that NONE of my payments qualified for the PSLF program. I found out that I was given incredibly incorrect information by Nelnet the entire time. I requested to speak to a manager or someone with authority and was passed around to a person who  admitted to the error and said they could do nothing to correct this. 
During this entire time in my repayment period, I called several times to continuously ask them to make a note in my account to record and note that I had called and confirm that I was on the right path for the PSLF program, they always assured me they did this. After paying these loans on time for the past 10 years ( as I was told to ) under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest to {$44000.00}. I feel that because I was told this information and guided by an approved servicer that all my payments should be applied to the PSLF program or at least Nelnet should provide a similar resolution for this enormous error. I've committed my life for the last 10 years ( 120 months ) to public service and several life career decisions and opportunities were passed knowing I had to maintain this status to complete this program. This error has jeopardized the financial future for family. Nelnet please do what is right and provide a solution to this matter. 

TX
I contacted the debt collector because the debt should not been report to the credit bureau because my insurance was never billed. I contacted the reporting agency AR resources inc and spoke with a representative by the name of XXXX on XXXX/XXXX/15 at XXXX est. When we began the call XXXX explained what the debt was for. I advised her that this was the hospitals fault because they did not bill my insurance. XXXX then stated that this was not the case the insurance was billed and I was responsible fro the remaining balance. I advised her this was not true because I call the insurance and I was advised that they had never been billed for the service in which I was responsible for XXXX but they had received a bill which I was responsible for XXXX which was something completely different. I advised her with my insurance they would never make me responsible for XXXX when it was only in and out service. She then proceeded to tell me I was speak on something I knew nothing about. I tried to explain it again thinking that she maybe did not understand me but she then said I was cutting her off. I asked to speak to someone else she told me no and proceed on with what she had to say. I let her finish and after she was done advised her again I wanted to speak to someone else she said sure and she was getting me to a supervisor in which she just sent me to the supervisors voicemail I let a message and have never heard anything back in regards to my complaint. I called back again and XXXX must have know it was me from caller ID because I was repeatedly hung up on. I finally got another representative explain the same situation and she said they did try to bill the insurance in XXXX but did not get a response back so she took down my insurance information and stated that it could take 30 to 45 days to be completed. I just did not understand why XXXX could not give me the same service I have never had anyone speak to me the way she had.
I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?
We applied for Non Owner Occupied Loan Modification program with Bank of America in XXXX and after Trial Period of three months XXXX, XXXX and XXXX our loan modification was approved. 
Few months later we found out that Bank of America reported our payments for three months trial period as late to all credit bureaus, which as a serious delinquency caused our credit scores to go down 60 points. 
We made our payments on time before and during modification period. Please see attached history of payments. During trial period we were asked to pay different amount instead of our existing monthly home equity payment. Please see attached BofA letter from XXXX XXXX, XXXX and FAQ. 
According to BofA letter from XXXX XXXX, XXXX " During the trial period loans that were up to date at the start of the trial period will continue to be reported as up to date as long as customers make trial periods on time. " Please see attached. 
Since we were current with our payments before and during trial period BofA had no right to report us being late and ruin our credit. We ask BofA to correct their mistake.
I have writ ten TranasUnion SEVERAL times as king them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
During XX/XX/XXXX weekend, I have made {$30.00} purchase at XXXX Store using XXXX credit card ( # XXXX ). I have online XXXX 's credit card payment account with Email payment due advice. I have never got XXXX credit card paper statement by mail for 4 months or payment due advice by my valid email address by XXXX XXXX Credit card company. I understand that I should have checked my online account for payment due. It was my oversight mistake. During XX/XX/XXXX Month I got my XXXX credit card statement.Also, I have noticed my credit score reported drop my credit score from XXXX to XXXX for delinquent payment.In my entire life time, I was never delinquent on my any payment that i can prove with excellent credit score. 

So in XX/XX/XXXX month, I contacted XXXX 's credit card customer service to make a payment and settle this matter. XXXX XXXX credit card customer service person agreed to waive all {$39.00} late fees charged and make a bank debit of {$38.00} to my bank account as a payment paid in full on XX/XX/XXXX. I thought this matter was settled. However, XXXX 's credit card company still sending me payment due notice {$37.00} late fee with {$2.00} interest charge for each month for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXand reporting my delinquent payment to credit bureau and ruining my credit history. 

I appreciate your help in this matter causing me a lot of stress. Thanks.
XXXX Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.
I have been having a great deal of problems with payment acceleration ( as opposed to application to principal ) and payoff processes with both XXXX XXXX Borrowers and, especially, with Navient. I repeatedly asked that payments in excess of monthly minimums are made toward principal and they instead move out my next due date. I was told that moving out the due date was " the same thing as applying toward principal '' which it is clear not. At best, this is fraud ; at worst, this is a systematic theft from borrowers where the company puts up onerous barriers to prevent principal payments and uses intentionally obscure language and interfaces surround application of overage payments.
I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!
Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.
OWR NOTICE OF ERROR 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have BAC escrow the payment and not apply them. In XXXX Bank of America transferred the loan to XXXX. XXXX began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by Bank of America which was purchased during the federal stay was still on the property and the plicy debt being asked for by Bank of America and now XXXX was not petitioned to be in the bankruptcy plan making that debt discharged.. XXXX was notified by Mr XXXX in XXXX when XXXX sent out the transfer notices with the original note information that the loan data was incorrect. XXXX did not comply with the agreement until XXXX when finally XXXX corrected the loan in XX/XX/XXXX. XXXX at that time was still listing a insurance debt owed from Bank of America and now because of Bank of Americas actions to create an escrow account for the insurance and taxes XXXX began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. XXXX refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. XXXX filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXX has acknowledged that I had made payments and that BAC had not been compliant with my Bankruptcy plan. XXXX has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.
Wells Fargo has not allowed me to utilize the mobile app since XXXX 2016, and the only ATM in XXXX has been disabled from receiving deposits for several days. When I called Wells Fargo to discuss these issues, I spoke with someone who was happy to apologize profusely, and tell me that he would do something about it, but he never did to anything about it, and we did n't make any progress. 
Since i 've had this issue with Wells Fargo repeatedly, i 'm reaching out to you in the hopes that they will treat you with greater respect than they do me.
I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's  website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to  discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of  my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my  application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
On XX/XX/XXXX I voluntarily repossessed a vehicle XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX XXXX XXXX reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof
I requested via dispute to have two fraudulent accounts removed from my credit report. I submitted all the required information per FCRA 605B. Request was submitted to Equifax on XX/XX/XXXX, via online dispute and corresponding information was faxed per the company 's request as well as uploaded to the dispute. I called the company on XX/XX/XXXX at XXXX and spoke with XXXX, who told me the request would take 30 days to process and they received my request from the mailing department where I faxed it to on XX/XX/XXXX. I advised XXXX that by Federal Law, information regarding identity theft and fraud accounts should be blocked, per FCRA 605B within 4 business days of receipt of the following information : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I provided Equifax the following on XX/XX/XXXX 1. ) Appropriate proof of identity attached, drivers license and social security card. 
2. ) Copy of identity theft report from law enforcement agency which states which accounts are a result of identity theft. 
3. ) This letter which identifies which information should be blocked 4. ) Attached notarized statement of fact that this information is not related to any transaction by me. 

It is over 20 days later and this information still appears on my credit report for XXXX XXXX and XXXX, although other credit reporting agencies has already removed the said information. XXXX asserted that the process within Equifax takes 30 days. I continued to ask why they were omitting the law, and setting their own timeframes and she kept reiterating the 30day timeframe and had no answer as to why they were not removing the information, although all the correct information had been received. At this time Equifax is in violation of FCRA and Federal Law. 

Please note, in this phonecall Equifax admitted to having all the information needed, however will still process within their timeframe and not the timeframe determined by federal law. I suggest pulling this phone call for record.
Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.