WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX My husband was laid-off from his job. We called the mortgage company to see if there was any way we could pay the interest basically if there was anything we could do because we could not pay the loan. We were instructed to submit the Borrowers assistance application. All paperwork was submitted before XX/XX/XXXX. My husband started a new job XX/XX/XXXX. Around this time we received a letter from the mortgage company stating we were eligible for a 3 month forbearance program. At this point we had not paid the XX/XX/XXXX note. The forbearance was from XX/XX/XXXX to XX/XX/XXXX. Once we received my husbands first check I attempted to make a payment online and the system would not allow the payment. At this point I contacted the Mortgage company to try to make the payment I was told because we were in the forbearance program I would not be able to make the payment until the program was complete. My husband was laid off again XX/XX/XXXX and found another job for less money XX/XX/XXXX XXXX. I contacted the mortgage company XX/XX/XXXX to see what our options would be for repayment. She told me I had to submit the borrow assistance application again with the recent month check stubs. I told her my husband had recently got another job and I only had XXXX check stub at that point. She told me I would have to wait to submit. I resubmitted our application XX/XX/XXXX I received letters 3 times on info that was not provided with the application. I submitted the info immediately. On XXXX XXXX we received our evaluation summary from the mortgage company stating the only program we would be eligible for is short sale or deed in lieu of foreclosure. The only other option would be to pay the XXXX we are behind. My husband spoke to someone with the mortgage company on XXXX XXXX and was advised to resubmit our application with the changes we have recently made on some of our other bills. And I did n't realize when I submitted the paperwork in XX/XX/XXXX that I did n't include my husbands truck allowance. I resubmitted by XXXX through email on XXXX XXXX. When we got home on XXXX XXXX we had a notice of default and intent to accelerate letter in the mail dated XXXX/XXXX/XXXX. This letter states we have until XXXX/XXXX/XXXX to bring the mortgage current to avoid foreclosure. We also received a notice of a certified letter that no one was home to sign for. We was told the forbearance was the only program available to us. We was also under the impression that they would work with us to get this account up to date once it was done. In this time our credit score has dropped from upper XXXX 's to lower XXXX 's which we did not realize would happen since we were working with them. All we want is for the mortgage company to not take advantage of us in this situation. We do not want to lose our home. They were very misleading about the end result of this program.
This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now.
As of XXXX XXXX Nationstar stated to my lawyer, XXXX XXXX, that I have not paid any mortgage payments since XXXX XXXX. Meaning they think I am delinquent for about {$5500.00} ( estimated ) to my mortgage. They filed a motion with the bankruptcy court on XXXX XXXX, XXXX to be relieved from the motion to stay to foreclose on my house. They have tried to do this before in XXXX and due to lack of proof on their end and substantial proof of payments on my end the case was dismissed. Once again I am in the same situation of having substantial proof of payments on my end and they have nothing to support their claims on their end. However, having to go through the hassle time and time again plus the added problems of them not letting me see how they are applying my payments or showing me anything regarding my mortgage. I have sent several requests to Nationstar 's Bankruptcy Lawyer via a certified RESPA Qualified Written Request, Complaint, and Dispute of Debt and Validation of Debt Letter to request that Nationstar give me copies of my mortgage and see how they are handling it, but time and time again they just deny me and send incomplete paperwork. I am beyond frustrated at this point and now I suspect they have done some illegal things with my mortgage if they refuse to give me access. It must mean they have something to hide. Here is my proof of payments through XXXX up to date and, once again, this is complete mortgage fraud.
Majority of delinquent accounts occurred over 7 years ago. All current accounts are paid on time etc. I thought delinquent accounts stay on credit report for a maximum of 7 years. I am trying to be a first time home buyer and now have been on the job for 3 years and earn XXXX a year. I have almost XXXX in assets and ca n't get an FHA loan because my credit score is XXXX and not XXXX. I would like to use more colorful words to describe this, but I do n't want to offend anyone.
On XX/XX/2018 we went to XXXX  XXXX XXXX in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
I have been contacting XXXX XXXX XXXX  who appear on my credit file as XXXX XXXX XXXX numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did I authorize or give permission. they are a result of fraud. It is also listed as a finance company within the inquiry info. 

the listed contact information I have on the company is XXXX XXXX  XXXX  XXXX Tx XXXX ( XXXX XXXX XXXX
This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.
My loan was issued almost 10 years ago now ; and at it 's start, I chose a payment plan that paid the principal and interest off in 10 years. 9 years later, making all my payments, the principal has barely gone down! My monthly payment is quite large and gretaly impacts my family 's budget. Right now, it appears I could be paying for my education for the rest of my life. Recently, I asked ( income based plan/forebearance ) because I am currently unemployed, I was given a short forebearance but have since received threatening letters about payments. Since that time, my father ( cosigner ) applied for credit and was informed that his FICO score had been negatively effected by the forebearance, an implication that was never explained to me by the Navient representative. I called two weeks ago and asked how much money I needed to pay to make the * 3 times daily* phone calls stop. The rep gave me an amount and I paid it in full over the phone at that time. Now, two weeks later, Navient sent my father a threatening letter demanding more money. I will be paying that amount today because I do not wish to harm mine or my father 's credit any more.
Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.
We opened joint checking account  XX/XX/XXXX  at  XXXX   XXXX   XXXX  (  XXXX   )   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX . We had no issues until after we closed the accoun t  XX/XX/XXXX   when we moved to  XXXX . In   XX/XX/XXXX  our credit score  dropped alarmingly. Upon investigation, we found it was due to   XXXX   reporting that they closed our accoun t  XX/XX/XXXX  d ue to a charge off of {$870.00}. We contacted them & were told that, without our knowledge or authorization, they had re-opened our account & paid a {$870.00}. transaction. And since we never made a deposit to cover that transaction, they had just closed our account & wrote off the {$870.00}. I reminded them that we closed our accoun t  XX/XX/XXXX  & had no knowledge of the transaction & had not authorized them to re-open our account or p ay any charges. The  XXXX  employee told us the only way they would correct the credit report was for us to send them {$870.00}, despite the fact that we were not liable for it. We could not afford to do this. I filed a dispute with Transunion, a month later I received their report stating that  XXXX  had assured them that the facts as they stated them were accurate so TransUnion did not delete the account. Their investigators did nothing other than talk to a  XXXX  employee. Documentation showed we closed the account  in  XX/XX/XXXX  & t hat we had not initiated the {$870.00} transaction, if they had asked for it. Meanwhile, ou r credit score contin ues to remain low.
I bank at XXXX XXXX XXXX/Hancock Bank in XXXX, Louisiana. I recently had 10 unauthorized charges on my checking account # XXXX. I disputed this with the bank and after they reviewed the charges they sent me a letter saying that nothing was wrong. I DID NOT make these charges and I DID NOT authorize these charges. There were 10 separate charges for a total of {$610.00}. If you need documentation of these charges I have the documentation. I would like for these charges to be refunded back to my checking account ASAP.
FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, MIDLAND ONCE AGAIN VIOLATED XXXX ACT OF 2009.
On XXXX XXXX, 2015 I changed my mortgage insurance company Fay servicing was faxed the information from my broker on this day. In XXXX Fay servicing said we had no insurance so I had the broker XXXX XXXX Insure All ) re-fax the information to Fay servicing. In XXXX I called Fay servicing to see if everything was in order and the informed me that they had not received the fax any of the times it was sent to them. So I called the insurance company XXXX XXXX underwriting services ) and had them fax directly to Fay servicing the paperwork that shows I have insurance. Fay servicing said that they did not receive it by fax so the insurance company e-mailed me the documents and I e-mailed them to Fay servicing. This has been done XXXX times now and I sent the information by certified mail to them at the address that Fay servicing gave to me. Fay servicing has not recognized my insurance and this is now a problem because if payment to the insurance company is not made by XXXX XXXX, 2015 I will be cancelled. On XXXX XXXX XXXX, 2015 I talked to Fay servicing and spoke with XXXX XXXX, he had me e-mail the PDF directly to him as we talked, he then stated that he received it and was scanning it to send to everyone 's e -mail in the office as he was talking to me. I asked if I should call back tomorrow and he asked if I would give him XXXX hours to get the information to the insurance department and get a response from the so he could correct the issue. He also stated that I talk to no one but him. I gave him his XXXX hours and on XXXX XXXX, 2015 I called him at XXXX at XXXX and XXXX my time and I left a voice message each time. It is XXXX my time today and he has yet to respond to my two messages. This issue needs to be resolved before the XXXX of XXXX.
I borrowed XXXX from castle payday and they said I would have to pay back XXXX now they tell me the XXXX a month is interest only now the closed castle payday and opened it under XXXX payday
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
I checked my credit report because my score had dropped significantly and I saw a collection from the XXXX XXXX XXXX. I have never heard of them and can not reach them by phone ( it just stays on hold forever ). I have no idea who they are saying the original creditor was. I havent received anything in writing. I dont believe that this debt is valid or mine.
XXXX and XXXX XXXX XXXX XXXX VA XXXX : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
1026.13 ( e ) states Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. <P/>USAA states that after a year of finalizing the billing dispute they received new information and reversed the previous decision and credits. 1. ) USAA has not mailed an explanation setting forth the reasons for their belief the billing error stated is incorrect. 2 ) USAA has failed to furnish copies of documentary evidence of my indebtedness, despite my many requests these past few months. 3. ) Provide current statements reflecting the reversal of charges identifying them so they may be verified.
4. ) States because I have rewards accounts with several of the companies charges where made with I am responsible. Currently, I have elite status with the following hotel chains : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and all branch and subsidiary properties of each chain. That 's the majority of hotels in North America. Stating I am responsible for a charge at one of these hotels simply because I have status at the hotel in no way proves my liability. Especially seeing as I hold rewards accounts at so many hotels.
I purchased a Honda Accord in 2012 at the Honda of XXXX in Ohio. I was sent an advertisement for a XXXX percent interest rate and thought I 'd take advantage of the opportunity. Once I arrived at the dealership and consulted with XXXX XXXX, she informed me that not only did I not qualify for the XXXX percent interest rate but I also had the option of only XXXX car at a higher interest rate, around five percent. I thought this was odd because my credit score was XXXX at the time but with her pushy tactics, I felt forced into the deal. She told me that I did not qualify for the XXXX percent rate but there was another program I qualified for that included higher rates. Last year, I went to another dealership, Honda of XXXX in Ohio, to trade my car in and I was told about restrictions against a trade-in deal. I found out that the Honda of XXXX dealership overcharged me for the car and I was responsible for excess charges. The salesman at the Honda of XXXX also informed me that Honda of XXXX was known for schemes such as the one I am now entangled in. With the recent lawsuit filed against Honda concerning discrimination, my situation aligns with the trouble I have been and still am experiencing. It was as if Honda drew me in just to take advantage of me. I am a middle aged black man.
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.
I have been disputing incorrect information on my credit report. Equifax has not been following the protocols for disputing wrong information that they are reporting. I have received letter from the creditors that information sent to them did not have specific information of what I was disputing ( this was sent to them by Equifax ). The also with out my consent or knowledge put my account on fraud status. I was made aware of this by a creditor and cause time and effort to prove to them I was who I am. I feel this was Equifax retaliating.
This is the third time I have tried to get equifax to update this account.I have submitted supporting documents each time. I sent transunion the same documents my credit file was updated with no problem. I call equifax in XX/XX/XXXX the repesentive I talked to told me just because I submit supporting it 's up to the creditor not equifax to update my credit file according to the fair credit reporting act if a consumer provide supporting documents the credit file must be updated..
On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from XXXX or XXXX XXXX.
On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!
For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.