WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent several letters under " XXXX '' to Bank of America for details of the debt they are reporting to XXXX, XXXX and XXXX. Bank of America is reporting multiple addresses for contact to each of the credit agencies and have not responded to my requests. The charge off amount reporting is different between XXXX credit agencies. I have asked for details about the data of last payment, charge off amount, interest being charged and how they calculated this interest and copies of past statements and to provide if this debt has been sold to a debt collector. I have not received any response from any of the addresses they are reporting. The Credit Agencies continue to validate this debt and it continues to report monthly. BofA has not reported that this debt is in dispute with the Credit Agencies after several " XXXX '' letters.
I called Seterus Inc. onXX/XX/XXXXat XXXX eastern time. I was requesting them to cancel my PMI as I am now below the 80 % threshold required. My mortgage began in XXXX of XXXX  and the original principal was {$84000.00}. Current loan balance is {$67000.00} or 79 % ( after i made my XXXX payment ) of the original balance. I called them to cancel my PMI and the response i got was that i would have to pay {$350.00} for an appraisal and that they " can't take my word that the property is worth what i say it is ''. I pressed them further stating that I can request PMI removal per federal law after I met 80 % of the ORIGINAL appraised amount and they still said they couldn't take my word for it. I refuse to pay {$350.00} to save {$41.00} a month when i have met the 80 % criteria.
XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.
My complaint regards being denied a mortgage modification. When the economy failed, my husband, XXXX, lost his job as a XXXX. He was also caring for his XXXX parents. As their needs increased, he became their full-time caregiver and they helped us with our bills. After his dad died of XXXX, XXXX continued caring for his mother with XXXX. When his mom was placed in assisted living this assistance ended. After that XXXX could n't find full-time work. I continue to be employed as a XXXX since 2004, but my salary did n't cover the bills. XXXX found side work, but it was n't enough. I contacted my mortgage servicing company and they were willing to assist. After I received foreclosure documents they no longer took my calls. I tried to respond on my own, but eventually I hired an attorney. She says we 're half way through the process with a year left. Our lender has rejected our modification requests even though we are both working full-time in permanent positions, have received " cost of living '' increases and have no credit debt. I understood that our eligibility hinged on XXXX 's obtaining permanent employment. That criteria was met years ago now.
Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.
I have contacted XXXX, XXXX, Trans Union, and XXXX by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX  position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX in the XXXX XXXX  of XXXX and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX  is busy and I do not have time to be on the phone as XXXX  bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 
In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), Navient the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX
While XXXX on XXXX XXXX due to a complicated XXXX, my lender , XXXX XXXX, was allegedly sold to XXXX XXXX XXXX. I file Chapter XXXX Bankruptcy due to the hardship, and XXXX XXXX XXXX allegedly sold my loan to PRA Receivables. I have never signed an agreement with XXXX and XXXX charged off the debt and it has a XXXX balance. PRA is alleging that I owe them on my vehicle when in fact, the statutes of limitation on the debt has expired. They currently have the title to my vehicle and are refusing to release it. They have not proven validation of debt, and I was sent a contract between me and the original lender, which was XXXX XXXX, but nothing showing a relationship between me and them. As stated before, the statutes of limitation has expired and PRA is not on my credit report nor do they have a right to collect a debt on me, however, they are breaking the law by holding on to my car title, and it does not belong to them. They have no proof of anything. I want my car title back immediately.
Since XXXX XXXX, my XXXX XXXX XXXX XXXX has not been showing up on my Equifax Credit Report it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly 39 points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the XXXX XXXX on the Equifax report ; it 's on the XXXX and XXXX.
Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.
. I have been trying to work with Wells Fargo since XX/XX/XXXX to modify my mortgage loan and it appears their underwriters can not connect the dots to get this completed. I 've applied several times for assistance, but I 've run into problems each and every time. My last single point of contact told me that my mortgage loan qualifies for the National Settlement Program and I have accommodated Wells Fargo 's every request for the last two years. The person underwriting my file denied me for the program in XXXX without a solid written reason. How can Wells Fargo allow a person who lacks common sense have so much power over my loan and destroy my life by taking away my home? Wells Fargo unjustly denied me access to government programs designed to help homeowners and it feels like there is nothing I can do. 

Since that denial, I 've continued to try to get help and went through the rollercoaster process of sending in information over and over again and being given false hope. Every time I did exactly what they said to a tee, but I feel they never properly reviewed my mortgage loan for assistance and have been playing games with something that is so important to me. I have submitted every document that has been requested ( multiple times ) and they still require more. I continue to get collection letters mailed to me every other day and also receive harassing phone calls on both my home and cell phone not only during business hours, but also at night. If they would put as much effort into reviewing my loan for a modification as they do harassing me to " collect a debt '', this issue would be resolved. But instead they continue with the foreclosure process instead of properly reviewing my loan for help ... is n't that dual tracking and considered illegal? 

It has been such a frustrating and stressful experience that was totally unnecessary. I am able to make my mortgage payment, but they will not accept it. They want to steal my house!!! Initially, I had hope that Wells Fargo cared about their clients, but it is clear they have no interest in helping me. It 's not fair for a XXXX like me to go through so much stress and eventually lose my home. I would be forever grateful for any assistance you could provide to get them to speak with me regarding my loan and hopefully save me from losing my home.
I called XXXX Mortgage ( XXXX ) to obtain a XXXX mortgage interest statement. XXXX with I.D . # XXXX stated that my loan had been sold to Green Tree on XXXX XXXX, XXXX and gave me their phone number ( XXXX ). When I called Green Tree at the number XXXX provided, after providing my address and either partial or full social security number, heard a recording offering me a {$100.00} XXXX gift card and a {$50.00} restaurant gift card. I was to press a key to accept, which I did not. Then a representative who said his name was XXXX XXXX came on the line, updated my address, etc. and said the computers were moving slow and while waiting for them, he wanted to tell me about the XXXX XXXX restaurant card. I listened politely and when he asked, did I want to take advantage of these great offers, I declined. He persisted with why did n't I want to receive these free items for a small {$4.00} charge. When I declined a second time, he hung up on me. I XXXX the phone number and found out it was a number in XXXX with many more phone numbers with the same beginning XXXX and viewed complaints against the number. 

I got on line to research Green Tree Mortgage and remembered that they had merged with Ditech Financial. 

I was very concerned since I had provided the fake Green Tree representative with personal and sensitive information. I assumed since XXXX had provided me the phone number of XXXX, that is was a legitimate number and company. 
I then called the Federal Trade Commission who transferred me to the Consumer Financial Protection Bureau. The representative, XXXX was very kind and listened to what had happened, but said it was not her department to handle the incident and did not understand why the Federal Trade Commission had transferred me to her department. Since I could not get anything done through either of them, she suggested I file a complaint here. She transferred me to a department that could provide me with information to protect my identity, credit, etc. 

I called XXXX and placed a fraud alert on my credit report. I was told the other XXXX credit bureaus, XXXX XXXX and XXXX would also be notified to place a fraud alert. 

I called XXXX back so that they would not continue to give out the number since it is a scam coming out of XXXX. I spoke to XXXX with I.D . # XXXX, who said she needed to transfer me to an agent in the United States. I then spoke to XXXX with I.D . # XXXX, who listened to what happened and told me that that was the number they were using for Green Tree. She put me on hold while trying the phone number herself. She was put on hold and then the call hung up. XXXX thanked me for letting them know about the scam number and said she would be reporting it to her supervisor and upper management. 

I am filing this complaint for two reasons : 1 ) to file a complaint so it will not happen to others and 2 ) to document and protect my identity, credit, etc Thank you. 
XXXX XXXX
American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.
On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX  '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX  but was denied. Then the collection calls from XXXX started
On   XXXX   XXXX    2016, I  had an   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and I could n't  XXXX .My doctor gave me a prescription telling me to go to  XXXX   Hospital, a   doctor will see me maybe in  15  mn. When I arrived my niece and an employee asked for a   XXXX   to help me. I did n't get it, I did all I could with   XXXX   XXXX   to get inside. They had done nothing, they just put my name and address in their system and asked me to evaluate the pain.I sat for more than  3 hours hop ing to be seen by a doctor.I would like to go to the restrooms but I could not then I called my niece to come back and pick me up. Now I have a bill for  XXXX  for what. I do n't know.
Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all XXXX Credit reporting agencies, now they re-filed it under XXXX to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names.
I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.
In XXXX I used a service to work with PHEAA to rehabilitate my loans after my consolidation application was in they canceled it and began garnishing my wages after refusing to deal with the service I employed. I work shift work and a lot of extra hours, my phone is prohibited at work and my hearing isnt all that great to begin with thus I contracted with the service. After the garnishment I spoke with PHEAA several times until they finally told me to pay a nominal payment and they would take my loan out of default so I could apply for consolidation. Every time I went to apply the site said my loan application was with PHEAA and I needed to contact them. I did so several times and was repeatedly and rudely informed that it was a government website that had nothing to do with them. Finally I managed to reach a person with the website and was able to submit my application within days of the deadline I also informed PHEAA of what was happening. In the meantime they pushed me back into default as the fed loan ppl delayed my app for me to file an income based repayment request ( that I do not need or want! ) now I PHEAA has changed more fees and again reported to the credit bureaus. How can I get my loan out of default when they make more money forcing me back into default? I need help! I can not loose my job in the process of trying to communicate with the thugs they have employed to deal with debtors like me. I want to pay my loans and put this behind me.
Equifax is reporting a derogatory collections account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, past the 7 year limitations period in violation of Section 605 ( a ) 5, ( c ) 1 of the Fair Credit Reporting Act. The original creditor was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX XXXX. 

I am demanding Equifax remove the account from my credit file which is more than 7 years past the date of delinquency but Equifax is refusing to remove it. Also, XXXX and XXXX already deleted the account. 

The account officially defaulted on XXXX XXXX, 2008 because the account 's original contract clearly states default occurs when a bankruptcy petition is filed and I filed a bankruptcy petition on this date. ( See XXXX XXXX Contract page XXXX Section I ( XXXX ) " To the extent permitted by applicable law, I will be in default if : ... ( XXXX ) any bankruptcy proceeding is begun by or against me. '' ) On XXXX XXXX, 2008, I filed a Chapter XXXX bankruptcy petition in the Bankruptcy XXXX XXXX XXXX XXXX Texas in XXXX, and included this creditor and account in my petition. The case number was XXXX and a discharge was issued XXXX XXXX, 2008. The creditor was served. ( See the attached bankruptcy petition page XXXX, discharge order, service of process, as well as the promissory note ). 

Finally, XXXX XXXX included terms that were abusive for a loan of any type especially an alleged student loan. The interest rate was over 20 %, and the note was not certified by the University XXXX Pennsylvania or any University, College, or School. In fact, at the time the loan was issued, I was hospitalized and no longer a student at the University XXXX Pennsylvania. 

I am demanding this item get removed from my credit report with Equifax because it is past the 7 years reporting period and in violation of the Fair Credit Reporting Act.
I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, XXXX XXXX XXXX XXXX
On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : XXXX