WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing hoping you can keep a retired man in his home. I have been working with Chase Mortgage to attain a reasonable payment option and get caught up on my mortgage. Yet as my fees continue to stack up, I am being forced to submit the same form over and over. It has been sent to them over a dozen times, and though there are only four lines on the form, it is never acceptable! I have been in this loop of sending over this request for tax returns ( even though they already have copies of my tax returns ) since XXXX!
I met someone online 5 months ago and it was not until sometime into the online communications he asked if I would allow some items to be sent to me and when he got out of the XXXX he would reimburse me. I took out three loans totaling over {$40000.00}. I have also paid about approximately {$10000.00} more on top of that. It was suggested that I contact you to see if there is any recommendations or assistance you can provide to help me with this. I am single and I have XXXX children. I have all the documentation that substantiates where the money was sent and to whom. I reported it to the police and FBI but I do not know where else to go so the detective gave me information on agencies that may assist. The scammer 's email address is XXXX. The delivery agency is XXXX XXXX XXXX. 

My loans are with PNC, XXXX, XXXX and XXXX. 

I thank you for your assistance.
After finding my self 3 months behind on my payments I got in touch with my mortgage co. to rectify the situation and was told not to make payments and to apply for a loan modification. Following this option/answer has now put me almost five years in arrears without ever having an option to the denials afforded to me by the mortgage co. All I got was foreclosure and bankruptcy and now arrears that are beyond my financial capabilities. After filling out about XXXX loan modification packages all Citi mortgage can do is ask me to fill out another application package which will be denied again for the same reason again. Where is the other options to this situation that was caused by Cit Mortgage after I was only 3 months behind.
Equifax refuses to tell me how they score my credit. I have a student loan that has been in god standing for over 3 years now last week XXXX XXXXXXXX updated my my history where 4 years ago i was 120 days late but now they changed that for year old late period to 150 days and my score dropped 89 points. Then the following week i had 2 collection accounts removed and they dropped my score 10 points. only Equifax does this and cant justify the bias actions. Equifax is corrupt and needs to be held responsible.
XX/XX/XXXX : I obtained my updated credit reports from XXXX, XXXX & XXXX & noted 5 different account in collections filed with Financial Data Systems for medical debt. 
XX/XX/XXXX : Certified letter delivered to Financial Date Systems ( attached with this complaint ) with receipt confirmation. In the letter ( s ) included I requested competent validation as evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay Financial Data Systems & that the account be removed from my credit report as the company 's reporting is in direct violation of Metro 2 Compliance by reporting different information among the bureaus ( specifically field 17a ). 

In addition, I also included a separate letter informing the company that under the Fair Debt Collections Practices Act, I have the right to request validation of the debt the they say I owe. I requested for any agreement with Financial Data Systems & their client that grants them authority to collect on this alleged debt, or proof of acquisition or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

And to attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

XX/XX/XXXX : Financial Data Systems send me a letter/documentation ( attached with complaint ). The only information they provided was the alleged dates of medical service, original creditor/client & itemized account balances- which do not even reflect what was reported to the bureaus. 

However, HIPPA was violated in that the collection agency ( Financial Data Systems ) had an invoice from XXXX XXXX XXXX ( medical provider ) listing the charge description as " emergency dept visit ''. The invoice lists three accounts/charges for : {$730.00}, {$650.00}, $ XXXX- all which have a bill from Financial Data Systems & is reported on my credit report. However, in addition to Financial Data Systems having those three bills they also included & reported accounts for {$410.00} and {$180.00} that is on my credit report for services from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX- which these services were not even listed on the original creditors invoice and no additional documents were provided to validate those accounts. 

The account for {$150.00} claims the original creditor/client is XXXX XXXX XXXX, yet no additional documents were provided to validate account. 

Financial Data Systems also included a random invoice for a missed appointment with no office/client/original creditor listed, addressed to a house I haven't lived at since XX/XX/XXXX, but the date of service is reported as XX/XX/XXXX and has a balance of {$25.00}. Nothing is validated Not one of the documents included provided competent evidence bearing my signature as proof the accounts belong to me, as I requested.
I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit.
I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.
This debt was discharged XX/XX/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX/XX/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX/XX/XXXX
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
It is important to note, my loan officer company is   XXXX   XXXX   XXXX  
 XXXX  is a different firm managing my loan payments.
I have received in m id  XX/XX/XXXX  at tached statement "  XXXX  '' from loan officer  XXXX .
In this statement it was clear that my next payment date i s  XX/XX/XXXX  a nd new monthly is  XXXX .
In addition, in that statement, you can see actual payment o n  XX/XX/XXXX   as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX  and it included a check of   XXXX   $ made to me to pay for the surplus i paid.
I was preparing to make my   XX/XX/XXXX  payme nt as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late   XX/XX/XXXX to pay for   XX/XX/XXXX  a nd realized the issue and paid for both  XX/XX/XXXX  and  XX/XX/XXXX . that day spent hours on   XXXX   interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.af ter painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with   XXXX   i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
I have had several id theft issues over the last two years, and have been the victim of data breeches. I was alerted by my credit monitoring service that XXXX, an internet lender that is not allowed to lend in my state was negatively reporting on my credit. I purchased a copy of my XXXX in XXXX report form the credit monitoring service, so that I could see exactly what was being reported and for how much. It was reported on my TransUnion report only. 
I was advised to dispute the XXXX reporting on my credit report from TransUnion, so I did by sending a letter with all of the proof that it was a void loan to begin with, asking for it to be removed. I received a letter from TransUnion in response saying that they needed more time to consider my request to remove the negative report by XXXX, but that in the mean time, the address I used for myself was n't consistent with their records. So I tried to log into the TransUnion site, as I had with the other XXXX credit bureaus, and I had had a TransUnion account from before, so I thought it would be easier to fix from there. I had trouble logging into the site, even though I had had an account with them from years prior, and so I wrote a response letter to TransUnion. In the letter I provided additional items to prove that I was who I said I was, and to prove my address, where I have lived for 20 years, was my correct address. 
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.
On XXXX XXXX, 2015 I discovered an error on my credit report an address does not belong to me, I 'd disputed the item in question via online. Equifax required that i need to send a copy of the following documents : Driver 's License, SS #, Utility Bill, so I did send the requested documents. 30 days later The item in question has been deleted, on XX/XX/XXXX I check my credit again via XXXX XXXX, again the address XXXX XXXX XXXX , XXXX GA is reinserted on my credit file information. I contacted Equifax via the telephone my call was forwarded to the call center, .the agent assisted me in disputing the item in question for the second time. Finally on XX/XX/XXXX I received a letter from Equifax confirmation # XXXX that the address that does n't belong to me has been deleted ( see attached ). On XX/XX/XXXX I check my credit.again via XXXX XXXX as always, sure enough here we go again the address that does n't belong to me is reinserted for the third times! I never live on this address for some reason Equifax insisted placing it back on my credit file information. Someone is providing Equifax with this incorrect address I repeatedly told them about the item in question. In addition there 's a consumer statement on my file that i did n't write or requested to add.
On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.
NATIONAL DEFAULT SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to  present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to  present.
We have had a loan with bank of the west for many months sending payments to the same address which is the only address that my bank had for the online bill pay for as well as what bank of the west had on our payment booklet. For many months my bank took out the money from my checking account and sent it to the bank of the west. Bank of the west processed every payment until it came to my XX/XX/XXXX Payment when they decided they would no longer accept payments at that address. Without informing us at any point that it was not going to be accepted nor that the payments we had sent for XX/XX/XXXX and XX/XX/XXXX would not be accepted. It was n't until my bank notified me that the XX/XX/XXXX Payment had not been cashed for over 30 days. We contacted the bank of the west who were rude and disrespectful. They informed us to cancel the payment we forwarded to them and to send it a different way. So we wired them the money since we has no time without it effecting our credit. They received the payment and only weeks after processing the payment informed us they were charging a late fee. Due to the lack of communication on their end it is coating us both finically and mentality. Their lack of customer service and support has caused miscommunication and effected our credit at fault of their policy. We have asked several times to speak to someone in charge and have only been sent in circles being told no management is working at any time we call. We have asked them to listen to our situation and we are pushed aside like we are irresponsible borrowers. We have lived up to our end of the deal with bank of the west but with their unfair and decptive practices they have not lived up to treating us fairly.
An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from XXXX XXXX XXXX on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.
This Is a Account I Got Back Around XX/XX/XXXX I Lost My Job The Following Year And Around XX/XX/XXXX I Was Unable To Afford And Or Make Payments On The Account In XX/XX/XXXX The Account Was Labled On My Credit As A Clsed And Charged Off Account And Is Still Reporting On My Credit Report
I contacted Santander in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact Santander to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following XXXX. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.