WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE APPLIED WITH CITI VARIOUS TIMES TO GET A MODIFICATION AND GET ME CURRENT ON MY PAYMENTS. I HAVE TURNED IN ALL MY DOCUMENTS TO THEM WHENEVER THEY ASKED ON MORE THAN XXXX OCCASION. NO ONE IS HELPING ME, IN FACT I NOW HAVE A SALE DATE OF XXXX/XXXX/XXXX WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE HAD OVER 50 % LOSS OF INCOME WITHIN THESE PAST FEW YEARS. I WAS FIRST DIVORCED WHICH LOST HALF OF INCOME BEING CONTRIBUTED TO THE HOUSEHOLD, AFTER MY EX HUSBAND PASSED IN XXXX THEY STARTED CHARGING ME FOR HIS MEDICAL EXPENSES WHICH I WAS NOT ABLE TO AFFORD AND WAS FORCED TO FILE FOR BANKRUPTCY. THEN IN XXXX XXXX I HAD XXXX WHICH I HAD XXXX FOR AND 3 MONTHS LATER I WAS FIRED FROM MY JOB I WAS AT AND WAS JUST LEFT WITH ONLY MY SOCIAL SECURITY. NOW IN XXXX XXXX I WENT TO THE DR AND THEY TOLD ME TO GO TO THE EMERGENCY ROOM ASAP BECAUSE I HAD XXXX AND THEY XXXX. I WAS ALSO INFORMED XXXX AND IT XXXX. I HAVE LOST SOO MUCH AND HAVE GONE THROUGH ENOUGH. PLEASE HELP ME SAVE MY HOME!!!
A collection company illegally notified all 3 crdit reporting agencies that I owed a debt. I submitted a dispute to all 3 credit reporting agencies in regards to this matter. The other 2 agencies ( XXXX  + XXXX ) removed the information from my credit file. Tranunion, even though they said I was correct, and they were supposed to remove the information from my credit file, IS STILL SHOWING THE DEROGATORY INFORMATION THE COLLECTION AGENCY REPORTED TO THEM TWICE AGAINST ME. THEY STILL HAVE NOT REMOVED THE INFORMATION! I have tried to get them to remove the information, but as of today it is still on my credit file with them.
In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. 
Portfolio Recovery bought an account from XXXX XXXX ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
I did n't receive my {$25.00} reward from the BOA 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card.
Starting on  XXXX , Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with   XXXX   and  XXXX , but the results came back verified. After talking to  Chase t wice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all  XXXX  bureaus. Following is the list of inquiries :  XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX CHASE CARD    XXXX   XXXX   XXXX   XXXX   , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XXXX   XXXX ,  XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX
My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.
My name is XXXX XXXX. I am baking with M & T bank, with the branch located in XXXX, PA. A month ago on XX/XX/2018 I went to the ATM next door to the banks branch to try to deposit money. After putting a {$50.00} bill inside of the ATM, the ATM spit out a receipt wasting error on it. Without giving me my {$50.00} dollars back. I called the offices of the bank and told them what happen. They on return gave me my money back which appeared on my card on the XX/XX/2018. Now today over a month later XX/XX/2018as I am preparing to go home from college for summer break, I check my account and its the {$50.00} have been taken out. When I called them bank they told me my dispute has been denied stating that they wont investigate any further and how it may be possible that someone could have gotten the {$50.00} on there card if they came into the place after me. After basically agreeing to this the told me they wont investigate no one else card because no one else filed a dispute. I mean of course no one will file a dispute if extra money appeared on there card. They also told me they viewed the cameras and couldnt see what I was doing on the ATM Machine. Which is outrageous because what is the use of the cameras. They told me they wont give me my money back and wont investigate any further. Although {$50.00} May seem like little money to be complaining about losing, I am a student who is struggling and need that money to get home. I am also a customer with this bank and for them to not help with finding my money because it benefits them is ridiculous.
I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.
*PLEASE HELP, ASC/WFHM HAS SET A SALE DATE FOR OUR FAMILY HOME FOR XXXX XXXX, XXXX I am writing to you today to request that you open a case on our behalf because America 's Servicing Company ( ASC ) /Wells Fargo Home Mortgage ( WFHM ) is stating that we are not eligible for the XXXX XXXX program XXXX which is not correct. The ASC/WFHM re-entry team is stating that we are not eligible for any XXXX XXXX program and are refusing to process our XXXX XXXX Request for Mortgage Assistance ( RMA ) even though we have never been reviewed for XXXX XXXX XXXX XXXX. We have escalated this also to the XXXX Escalations Team where they have also requested postponement of the scheduled foreclosure sale to allow for a valid and compliant XXXX XXXX XXXX XXXX review, if eligible ; ASC/WFHM is stating that they will get the requested information over to XXXX Escalations by XXXX XXXX, XXXX, which does not allow for much foreclosure prevention planning. 

In the past, we received a TPP under XXXX XXXX XXXX XXXX but due to an IRS lien that was subordinated ( but not in the clerical manner that was acceptable to ASC/WFHM ), we have been forced to reapply for mortgage assistance even though we successfully completed a TPP under XXXX XXXX XXXX XXXX. We have never been review for XXXX XXXX XXXX XXXX. 

Please help us to obtain a fair XXXX XXXX XXXX review that follows all XXXX guidelines. We were denied the opportunity to go through a XXXX XXXX XXXX XXXX review in XXXX XXXX due to some bizarre documentation excuse ; XXXX stated that they could not verify my wife 's income but they requested our XXXX tax return, XXXX 's XXXX XXXX 's and XXXX 's XXXX pay stubs ( per the attached timelines ), which would not match since they cover XXXX separate years ( not XXXX clarifying document was requested to include our XXXX tax return available prior to the denial ). As of XXXX XXXX, my wife XXXX XXXX now has new, full time and verifiable employment income warranting a new review due to a change in circumstance or income ( see attached offer letter ). 

I am confident that we are eligible for the XXXX XXXX XXXX XXXX review and I plead with you to assist us in clearing a pathway for a fair and compliant XXXX XXXX review. Thank you in advance for your assistance and my contact information is below if you would like to call me to confirm the details. 

XXXX of my goals is to get this loan modification in place to provide the stability of a home for my family and remove this lingering threat of foreclosure before XXXX. My son, XXXX is going into his senior year in high school and my other son, XXXX is entering high school as a freshman. If we lose this house, the opportunities to remain in our school district are slim. We want them to graduate with the friends they grew up with and we would be more than appreciative to have that opportunity. 

Thank you!
i had XXXX collection accounts removed XXXX and XXXX and XXXX closed account XXXX they was removed and then now they are back on my credit report and i never received my 5 day notice which is a fcra violation
In  XX/XX/XXXX  I pulled a copy of my credit report because I was robb ed by gunpoint.. w  hen  I pull the copy of my credit report I noticed there was this company ca ll profolio recovery I co ntacted them on numerous occasions to try to get information about this debt that they were reporting was unsuccessful they would not say me any information and stopped responding to any of my letters ; so at that moment I contacted all  XXXX  credit bureaus to see if I can get them to work in my behalf ; since I was on successful with trying to reach out to this profolio recovery in writing and phone calls. I submitted a dispute letter never gotten a response from either ( credit bureaus or profolio recovery ). So in  XX/XX/XXXX  I went through the process of trying to purchase a home and was informed of this company being displayed on my credit report once again after reaching out to this company many times.. I reached out to the  XXXX  credit bureaus as well as this company profolio recovery as well was still unsuccessful of getting a response in each of the credit bureaus dating is under investigation, no response after the investigation was over.. but it was still placed on my credit!  XX/XX/XXXX  I contacted the  XXXX  credit bureaus again because once again I was unsuccessful with getting a response from this company so I submitted a certified letter to all  XXXX  credit bureaus explaining once again that I was robbed by gunpoint with my identity, Social Security card and birth certificate and  my car.. a sked that they submit to me a written contract with my signature that I requested this credit card but they 're verification was only that the credit card existed.. proof of documentation of the police report also the itemized statement of the things that I was robbed ou t of.. bu t even after I submitted the documentation was harassed repeatedly from this company about paying off a debt that I did not commit to that I was not even aware of and they still refuse to give me any written document of my signature that this credit card was mine, so in turn I reported them to the Attorney General 's office in the state of Louisiana it was informed that they are not licensed in the state of Louisiana to collect on a debt.. but this compan y profolio recovery  continuously harassed me by phone and also continuously reporting negative items on my credit report without submitting to me any written contract.. I have reached out to this company on many occasions and still can not get a response.. I 've also contacted all  XXXX  credit bureaus  XXXX   XXXX  and   XXXX   it still was unsuccessful of getting a debt removed so I found it was in my best interest to make an additional report that was also advised to me by Louisiana Attorney General 's office.. I would like this debt removed off of my credit report because this debt is not mine thank you and have a blessed day
I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.
I have financed 5 previous XXXX leases. I have never missed a payment. I decided on XX/XX/2019 to purchase my latest lease. Not only had I paid the lease in full, I had overpaid by {$2000.00} dollars. I am XXXX  years of age and have a credit score Over 800. I received a letter from XXXX  stating they could not approve the request for credit as they could not verify my employment. As a result I had to take a loan with a high interest rate. I have the same employment and income I had for the last 4 leases. The application was with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX. Phone XXXX. This is age discrimination.
I have requested PMI cancellation. The eatablished value of home is over XXXX. Current amount owed on home is around XXXX. BofA claims they can not cancel PMI yet loan is current. The payment history is a bogus claim by BofA to extend PMI payments longer than requested. The laws do not permit or support this claim.
Months ago I went to the bank to get options from regions bank about IRAs. I explained I was interested in a IRA but this employee insisted on telling me to put the money in a annuity after I explained what I needed the money for. She did not tell me all the of the pitfalls of the annuity. When I needed to take out money for an emergency I then learned from the annuity that there was a stiff penalty. I complained to the bank manager after finding out the penalty and he said he would cancel the annuity for me after being duped by this bank employee. It was never done and I have a medical emergency and can not take out the money without a stiff penalty. I do not know where to turn to. Please help.
On XX/XX/XXXX I received a letter from Select Portfolio Servicing Inc. stating that they have not serviced my loan for a year, so they said they don't have to respond to my request to release the lien for my mortgage.

SPS says they haven't serviced my loans for one year, but yet over the past few months due to my complaints I have filed with the Consumer Financial Protection Bureau, it has prompted SPS to finally respond to my numerous request for information and actions to release the lien for the mortgages due to the fact that the loans have been forgiven and extinguished under the Making Homes Affordable Program, or other means.

I believe my mortgage have been extinguished through the making homes affordable program and forgiven. The loans have been charged off. 

I am requesting a lien release for both mortgages. 

XXXX XXXX XXXX says they aren't the responsible party, and XXXX  XXXX XXXX says they aren't the responsible party, now SPS is saying they have not serviced my loan for a year? Who is responsible?
XXXX XXXX, XXXX I filed a Chapter XXXX Bankruptcy. My mortgage holder, XXXX XXXX XXXX held two mortgages for me. The mortgage company has since reported the loan as closed effective XXXX/XXXX/XXXX of which it was not closed. I have continued to make payments on those loans, and lived in the home until XXXX/XXXX/XXXX when I sold the home. The home closed and I officially moved out XXXX/XXXX/XXXX. 

The issue is the mortgage company will not update the records to reflect the payments made since XXXX nor the closing and sale of the house in XXXX. I have disputed the information numerous times with Transunion and continue to get updates that are inaccurate. I have called numerous times also with no resolve only excuses. 

I simply want the record to show that the home was actually sold and paid in full in XXXX not XXXX. Both XXXX and XXXX are showing the home as paid in full. 

Transunion will not allow me to upload information. They continue to require me to mail information which they 1. either never receive, or 2 never bother to process. I have been arguing with them for 2 years now over the errors on my account without resolve.
I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use TD bank.
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts
Payments have been made automatically for years without issue. 
Suddenly, now, the last payment they showing received is from XXXX 2017 putting my accounts 2 months behind. 
I have received many many calls and emails over the last year telling me my account was behind. 
Over the last year I have contacted the company 5 or 6 times. Each time I got a different story, ranging from " my account was confused with another person 's account of the same name '' to " because my bank sends the checks there is a delay with payment '' to " there is the wrong account number on my checks '' At this point my account shows that I am two months behind. I have sent the payments, and sent in proof of payments as well. 
When I contact the company ( or when my cosigner contacts the company ) they say that the payments are there, but just " have n't yet '' been applied to my account. 
This has gone on for weeks. I have been now contacted multiple times by a collections agency by phone and by mail. 
I am concerned it will start affecting my credit.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in   XXXX  . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability A  ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and me  dical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please note that withholding the information you received from any medical provider in an attempt to b  e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to a  llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
As a mother, I decided to make a positive change in my life and go to college so I could get away from government assistance and build a better future for my children. I started college XX/XX/XXXX and went to school at night. I graduated from my XXXX XX/XX/XXXX and decided to keep going and went to XXXX XXXX. I graduated from XXXX XXXX XX/XX/XXXX but could not find any employment until XX/XX/XXXX. My student loans were serviced by XXXX and had been in deferment since XXXX. Due to moving multiple times, I was unaware that my student loans had come out of deferment after I graduated. By the time I found out, my student loans were 150 days late. I had XXXX different student loans all being serviced by the same provider at the time. My student loans were not consolidated. Therefore, I suddenly had XXXX negative reports on my credit. I contacted Fedloan immediately and explained that I did not have employment sufficient to pay the loans at that time and that I had not received notification that they were out of deferment. Fedloan agreed to put the loans into forbearance and BACKDATE the forbearance so it would be as if the loans never came out of deferment. Fedloan backdated the forbearance to show that the account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have had no issues since. Now, for the first time in my life, I am ready to buy a home. I have been turned down now by XXXX different banks for a mortgage because my credit report shows XXXX different accounts reporting that I was 150 days late XX/XX/XXXX - XX/XX/XXXX. I have sent XXXX proof that the forbearance was accepted and that my loan was considered in forbearance during the time period that my credit report is saying I was 150 days late. I have disputed this twice and they refuse to remove it from my report. After all of my hard work to make a better life for myself and my family, I am unable to purchase a home because of these negative reports. Why would Fedloan backdate my forbearance to show the loan as never late unless they wanted it to reflect as never late. I have provided proof of this forbearance and yet Fedloan and XXXX refuse to remove it from my report.