WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying since XX/XX/XXXX to have my lender acknowledge that I have made my modification payment and to receive the XXXX that I am entitled to for the year XX/XX/XXXX. I was told that I was not credited for the payment becuase the payment was returned which is not true, the payment in question forXX/XX/XXXX was the first modification payment which was due in certified funds. Whether the servicer was keeping the payment in suspense or not is unknown because the payment history they sent clearly shows there were payments received and not returned for XX/XX/XXXX and XX/XX/XXXX. Yet the correspondence received shows a XX/XX/XXXX payment which was returned which was correct as I stopped payment when a forced placed insurance policy was added to my account which was also illegal as I had homeowners insurance and provided several times to the Servicer. Under IRS tax code I must receive a XXXX in the year the interest payment was made, It took 120 days from my initial inquiry for a response and during that time my mortgage was refered for foreclosure .I contacted the servicer in XX/XX/XXXX as I was in a trial modification and I wanted any payments made credited that had not been credited toward the modification that started on XX/XX/XXXX. If there was a reason that they could not be then it should not take 120 days to notify me and I still don't have an adequate answer as the letter I received conflicts with the payment history they sent me. Not only was I in an appeal period during the the referral to foreclosure, I notified the Trustee and the Servicer that they could not schedule an illegal foreclosure sale as it is against California State Law to use a Notice of default that is more than 365 days old without a sale date, however no one at the Servicer or Trustee will respond to my inquiries. My main concern is I did not get credit for the payment and SPS is using this a reason to foreclose and not extend a permanant modification. Had they responded in the timeline required for a Qualified Written Request this referral for foreclosure could have been avoided. In addition they sent me a letter to send a payment in, I did so within the requested time frame and they sent me a letter saying they were sending my payment back with the letter and they did not send the payment back that I had made. SPS does not respond to inquiries in a timely manner, they have left me in limbo several times without the consideration of responding to my concerns. It seems that it is common sense that a person in a modification does not have lots of extra money to not care if they receive a XXXX or have payments not credited. The relationship manger assigned to me has not returned a single phone call and then after they filed a Notice of Sale the Relationship manger was changed and that person has not responded to any inquiries. I want an adequate response and I need to an answer as to why my modification was withdrawn but the payments were not credited or returned from either of the 2 trail modifications. I want the modification but I want to be credited accurately and I want the foreclosure proceeding to be halted as it is illegal just based on California Law.
FRAUD INQUIRIES BY THESE COMPANIES NOT PERMISSIBLE BY ME FROM XXXX XXXX ON DATES XX/XX/XXXX AND XX/XX/2018 AND XXXX XXXX XX/XX/2018 AND XXXX XX/XX/2018 AND XXXX BANK XX/XX/2018 AND XXXX XXXX XXXX XX/XX/2018 AND XXXX XXXX XXXX XXXX XX/XX/2018 THESE ARE ALL FRAUD INQUIRIES.THESE BANKS OBTAINED FRAUD INFORMATION FROM MY CREDIT REPORTS NOT PERMISSIBLE BY ME.
I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this out was very confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the second amount owed. This amount was tied to the line of credit for overdraft protection.To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still shooing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been over a 30 day lag time from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated, as well as, very much needed! Thank you for your help. - XXXX XXXX
I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.
on XX/XX/2019 i emailed and faxed mr cooper my loan modification application and was told by mr cooper that they will not review my application due to a foreclosure sale date on XX/XX/2019 their website does not say that package had to be received 45 days prior foreclosure sale date please help
Mortgage was sold to a new company ( XXXX partnered with XXXX ) and old collector ( OCWEN ) never informed about the transfer. We do n't know if transfer is legitimate or not. We do n't want to send payment to a false collector.
HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!
N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I attend XXXX and graduated in XXXX, and like most people my age I live at the poverty level. XXXX assumed my loan from my old loan holder in XXXX of XXXX and have been nothing but a problem to work with. I have submitted paper work for a IBR with XXXX or Utah XXXX XXXX Assistance XXXX 3 times and they still have not applied it to my loan. Once I submitted it through the mail and they subsequently lost it. The next 2 times I submitted it through the electronic data base on studentloans.gov and I have given them 60 days to process the paper work. I asked for a deferment for XXXX XXXX, XXXX payment during this time to apply to the loans and was assured it would go through by a customer representative from XXXX. I opened a letter this morning, XXXX XXXX, XXXX from XXXX that shows I am 11 days delinquent for the loans that I was told I would have a deferment on.
When I enrolled into XXXX I felt grateful and had high hopes for a better future for myself and my family. I felt encouraged and finally able to be accepted by a college that I thought was going to help me get my career of a life time and I would n't have to worry about paying back my student loans until after I graduated. I was told that I would get a job as an XXXX if I completed their XXXX I excelled in my XXXX Program and graduated XXXX my associates, highest honors & perfect attendance throughout my entire program. Since I 've graduated I only been able to obtain Administrative and Accounting positions. I found out through a close friend of mine also attending XXXX that the school has closed, and has so many lawsuits. They 've been discredited of lying to their students, putting their student into debit and crumbled their reputation. I am very very disappointment as mush heart and stress I put myself through to graduate from XXXX my degree is n't worth the paper its printed on. I am in so much debit because of XXXX and their promises. I only graduated with an XXXX XXXX and have {$55000.00} of student loans all from XXXX ; {$45000.00} with Navient and {$7900.00} with XXXX XXXX Student Loans. Which this amount I should have not have only my XXXX but my XXXX and maybe even my XXXX XXXX. I ca n't afford this I have XXXX children and Navient wo n't help me even though I asked to discharge my loans since XXXX closed. I 've sent in my complaints to the XXXX ( ID # XXXX ) but I have n't heard nothing back about it. This is frustrating and I could just cry. I 've applied to different Architectural Companies but I just end up being an accountant or an administrative assistant. I do n't get that great pay rate that XXXX said I would to help pay my student loans. Please please someone help me!! As least work out something with me so I can afford to get my self out of this student loan debit.
I have encountered several incidents of financial identity theft dating back since XXXX 2014. A credit card was applied for around XXXX 2014 using my personal information. I did not apply for the credit card. I do not know where this card has been used. I was made aware of this credit card by letters regarding non-payments.
I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
O n   XXXX   XXXX  , 2017, I applied f or a loan fro m Big Picture Loans,  got approved, but was failed to be informed about the interest rate of %  719.9395. I borro wed {$400.00} because I was in a financial bind and needed the money quickly. I can not afford to pay {$130.00 } every 2 weeks until  XX/XX/XXXX ! I   need out of this or I will lose my car or home. I live paycheck to paycheck like most of middle-class  America. I t ook out this loan because it was easy to get approved with bad credit, and they took full advantage of it. I was not informed of a finance charge of {$1300.00}.
Immediate Recovery refused to give me correct information on how to get help with defaulted loan status. Instead they made.threats and eventually called the police to the home.
I did a balance transfer from 1 credit card company to wells Fargo. The terms of the balance transfer for Wells Fargo were 0.00 % interest for the term of the balance transfer which means I would not have to make any payments whatsoever. Now, without any notification or changes to our agreement, Wells Fargo is making me pay monthly payments on this balance transfer. This is a BREACH OF CONTRACT, and should be considered illegal.
After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.
I have fallen behind in my psyments. I made a payment 11 days ago, and the company has called me multiple times. I received a call at my workplace which was answered by XXXX of my subordinates, causing me great embarrassment and disclosed the fact that I have a loan that I am behind on. I had previously told Brookwood not to call me at work. They called under XXXX, of which I have attached a PDF photo of the office caller ID. I told that person a XXXX the never call me again at eork, as my employee now knows I am behind in my payments.
Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.
Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.