WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.
On my online bank statement, I have a pending transaction at the top of the page, then XXXX overdraft charges, then a check that shows as cleared with a positive balance. They 're charging me an overdraft fee both for the pending transaction, and XXXX for the check that cleared ( in the past ) with a positive balance.
on my consumer report there is only 1 item and it is 30 years old iam requesting that it be removed ... charge was XX/XX/1996 22years old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx. 
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Height : XXXX '' Weight : XXXX lbs Hair : XXXX Eyes : XXXX Alias ( es ) : XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX CASE SUMMARY Case # File Date Court Type Case Disposition Disposition Date XXXX n/a COMBINED n/a n/a Offense ( s ) Offense Date Level Offense Disposition Disposition Date XXXX XXXX XXXX XXXX XXXX XXXX n/a XXXX CONVICTED - LESSER CHARGE XX/XX/1996 CASE DETAILS Supplemental Information : Originating Agency : XXXX XXXX PD Case Notes : CAUSE NUMBER : XXXX OFFENSE - XXXX XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) DEGREE : XXXX Sentence/Fine Information Sentence Date : XX/XX/1996 Note : AGENCY : XXXX Supplemental Information Statute : 38.15 ( a ) Code : XXXX  Date XXXX : XX/XX/1996 Plea : XXXX Process Information Trial : Offense : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plea : XXXX Disposition : XXXX
Company is Asset Recovery Solutions , LLC. Contacted them about obtaining information about this loan as it appears to be in the hands of the XXXX or XXXX collection agency that has called about this loan. Another company has already seized my daughter 's tax return to repay this same loan. The staff was extremely rude, told me to just pay the loan, referred to me as a deadbeat. I had worked out a payment plan with XXXX previous company but they had slipped in terms that were not acceptable. This company is refusing to forward my papers so that I may review this loan. My daughter, whose loan this belongs to, contacted this company and they were rude to her, yelled at her and refused to forward any paperwork about this loan to her. Another company, XXXX XXXX has already started collections on this loan and has seized my daughter 's tax return.
I have being going back and forth with the three major credit bureau XXXX, Equifax and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
I purchased my home in XXXX. It was transferred to several loan companies since then. However, I have been having problems with my current lender ( SN Servicing Corporation ) stating that my account was over {$17000.00} past due and they needed proof of payment history from XXXX to present, due to my loan being delinquent. I mailed those documents, attached with a certified mail receipt on XXXX/XXXX/XXXX. After waiting several days I called to check on the status and I was told management had to view them.Then days later I was told that I needed proof of payment dated back to XXXX because they could n't find any payment history. I told them what loan company I had my account with during that time and they can get it from them. They were not willing to do that so on XXXX/XXXX/XXXX, I sent SN Servicing ( XXXX ) a request of validation of the debt I owed because I did not agree with my past due balance. I received the letter a few weeks later showing my balance as mention above. They also stated that all payments made to them were going towards the past due balance ( which was paid years ago ). Instead of them researching my payment history from previous lenders, they chose to only accept what was passed down to them, just like the lenders before them! I want to know why they ca n't find it. That will be ridiculous for me to pay for something twice!!
This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response. 

1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.

2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.
On XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.
On my most recent credit report i found XXXX listings from XXXX loan reading " claim filed for insured portion of balance ''. Even though its XXXX listings, its all pertaining to XXXX student loan that as of 2013 is completely paid off. i have a letter being mailed to me providing proof of full payment from XXXX. would like to have all of this information cleared up.
I have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it
I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.
I recently reviewed my credit report and found a late payment. 

Creditor : XXXX  XXXX Account # XXXX I was never 30 days late int he month of XXXX  2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
I requested an autopay arrangement with my recently obtained Chase Slate visa credit card and the authorization form has only two options : either " minimum payment due '' or " full amount due '' ( which having just transferred a balance from another credit card is not an option at this time for me or probably for many others ). No option for selecting a fixed amount higher than the minimum payment is provided on the form, which is more than likely intentional to keep folks trapped in making minimum payments down the road.
I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks
I was in forbearance on my student loans while I was unemployed ( spousal circumstances had me relocating from XXXX to XXXX in XXXX XXXX ). I chose forbearance for 1 year, knowing that it would take me a little while to find a job in XXXX and get settled enough to resume payments. Forbearance went into effect in XXXX XXXX. In XXXX XXXX, I called up Fed Loan Servicing ( a.k.a., Pennsylvania Higher Education Assistance Agency ) and told them I wanted to resume payment and asked what my repayment options were. They outlined the plans, we chose a reduced payment plan for the larger of the loan " clusters ''. I was told that in order to process my application for the reduced payment plan, they would need to take my loans out of forbearance and put them in the standard repayment plan - but that I would not owe the amount due under the standard repayment plan ; that I should ignore the bill when it came due saying that I owed the amount under the standard repayment plan ; that in XXXX, my new payment plan would be in effect and that amount due under the standard repayment plan would not be relevant, would " disappear '' - that I would see the total due for all my loans that I agreed to under the reduced repayment plan in its place. It is now XXXX and XXXX payment periods have gone by since they told me this. I have had to call them 6 times to sort out what the amount I owe toward my loans is under the reduced payment plan and to what particular loans I need to pay what amount. Also note that in all this time, I have never received documentation of what I 'm being told - despite that it involved payment amounts. And all the while, XXXX of my loans still shows that I owe ( and am now delinquent on ) the full amount under the standard repayment plan. I was assured every time I called that " by next billing cycle, your reduced payment plan will be in effect '', that I should continue to ignore the delinquent notices and the amount shown that I owe under the standard repayment plan. I have just called them for the sixth time to sort this out. Tonight they tell me I need to go into forbearance again for one month and that " next billing cycle, your bill will depict the reduced payment plan amount ''. The amount that I 'm past due will go back into the pool of what I owe totally - and I know that because I 'm in forbearance for even one month, the interest I will owe on my loan will be higher than it would have been had I been actually, legitimately, on the reduced payment plan -- which they assured me I would be by XXXX when my payment came due. I am beyond fed up. Fed Loan Processing has screwed this up so much that now my payoff amount at the end of my loans will be higher than it should have been. And I still have no way of knowing that come XXXX, when my bill is due again, this will be any more sorted out than it is now. They ca n't or wo n't provide documentation of what 's discussed on the phone ; they will only send me a notice of the forbearance I verbally agree to. I 'm not even sure what I can do if, in XXXX, this is still the case.
Found out Westlake Financial has been listed as fraudulent company, and notorious for bad complaints with consumer affairs. After dealing with this company trying to work a settlement on an account I defaulted on, I see why this companys reputation is so bad. XX/XX/XXXX I called them and tried to work out a settlement offer to get my acct closed. I offered them one amount which was all I had at the time to contribute to the debt, they counter offered me another amount to sif and remove the account from my credit file as long as i made a payment that day via money gram. After making the payment I called back to let them know i was hung up on twice. Then I was told i would receive an email in a couple days confirming that my acct would be sif and removed from my credit file as agreed upon. Two weeks pasted no email no action, another two weeks a month later no email no action. Luckily I was recording the conversation. I called back then I explained to a new person all that happened he told me someone would call me back because I should not of been told they would close out the acct for the amount paid. I told him well they did and that was the agreement, so he said well do you have that in writing I said no I do n't have to. I explained that there were clear fdcpa violations, just in the mini Miranda alone, not to mention the lies I was told and failure to adhere to the terms of the deal we made. But anyway, I told him had it recorded and was recording him, he panicked then said immediately he could no longer speak with me and hung up on me
I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.
XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amount : XXXX Claim # XXXX This debt resulted due to the fact that the the XXXX XXXX XXXX failed to submit a claim within timely filing period as prescribed by the law and the providers contract with XXXX XXXX. It should be noted that I received service at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they submitted a claim for the service received on XX/XX/XXXX on time and failed to submit a claim for the XX/XX/XXXX service and charged me for it. When I bought it to their attention they said they will file a claim with my health insurance company and that I shouldn't worry about it it, due to the fact that they had failed to submit claim on time. Only for them to later send it to collections.
Navient ( Company who bought XXXX - my original loan company ) has not only ruined my credit - they sent me to a collections agency despite making payments based on my income ( showing intent to pay ) they made it so that I no longer could make online payments for the specific student signature loan ( because of the small based on income payments showing intent to pay ) so they set " XXXX '' on me ( XXXX part collections agency - supremely rude and dishonest and brings up a host of RED FLAGS on XXXX and other identity safety agencies ). 
XXXX XXXX XXXX Systems - also provided incorrect information about repayment plans and time and interest. I will also be reporting them to the XXXX ( XXXX ) for their practices and their damaging of my credit despite the FACT that I was making minimum payments.
Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.
My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.
I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!
My mortgage co is Loancare. An FHA lender. I bought a home that was taxed at a much higher rate then the home is now worth. I have not missed a mortgage payment. My escrow for XX/XX/XXXX taxes totaled {$3300.00}. My taxes were actually {$1200.00}. I paid my taxes on XX/XX/XXXX. The lender is withholding over 2 months of escrow payments. They currently are holding {$2400.00}. They refuse to return my over payment. They informed me that a new analysis for taxes would be do by XX/XX/XXXX but nothing has been done. They have not communicated to me in any way. I have had to call them over and over for my refund and I have been lied to 5 times regarding my refund.
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to Transunion, XXXX, and XXXX. Transunion has my opening date as XX/XX/XXXX ; whereas, XXXX, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Dear Sir/Madam the reason for this compliant is because i have been a victim of Identity Theft and i have inform the original creditor as well as the collection agency about these accounts i have send them Police report FTC Identity Theft Affidavit proof of my address and identity and they have refuse to cooperate with me and they continue to report these account on my credit file. I have asked for proof that these accounts belong to me, but they keep sending nothing more then bill. I also contacted the CRA and they keep saying that these accounts where verified but when i request any proof they can't produce anything that show that they belong to me. I have done everything i could possibly do to protect my good name and have been unsuccessful. Please help. 
XX/XX/2018 Letter send by the original Creditor XXXX and XXXX Thanks
I have several student loans that were in default but I have been in a Rehabilitation program for over a year now. XXXX  and XXXX   have updated these accounts and they are now showing 'paid as agreed ' however Experian is still showing these as a collection account. I have disputed this with them but it has not yet been resolved. 
Please look at all my XXXX XXXX XXXX/XXXX loans and you will see that they are all reporting these collection by Experian.