WillisBack/dataset-financial-user-claim huggingface dataset:
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 ) addresses are in correct. Only  one that    should be on file is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect onl y one t hat should be on their is     XXXX   XXXX   XXXX   XXXX
Throughout the life of the loan I've already used all my forbearance options ( Navient only gave me hardship options ) and only have the option to pay the full amount or try to refinance. I have tried on several occasions to talk to them about income based or any other options and I've been told " we dont have any other options, you must pay the full amount. '' I feel this is wrong as every other student loan servicer gives you the options.
I am a homeowner in N.J. and eventually had my mortgage sold to Greentree Mortgage. Almost from the start I had problems. My monthly payment went up so much that I started to, and continue to struggle. When I would ask why it went up considering neither my taxes or INS went up, I was told a different answer from each person I spoke with until the last person I asked told me that I have a " floating escrow '' and so sometimes they will make my payment higher to satisfy this ; mind you, I have always had a fixed rate. I asked how they could do that and they said Every company does this. Well I asked a friend in the business and she said there 's no such thing. I was continuously harrased by very rude, harsh, and sometimes mortifying phonecalls that actually brought me to cry if my payment want made by the first. I have never ever been late on a payment yet they have in their records that I was once and told me it was on my credit report. I was also charges every month for years a {$12.00} convenience fee for my payments and was told unless I mailed my payment in I had no other options ; that want feasible due to me nit always having enough until the end of the month. I tried to leave them several times but was unsuccessful. I looked on the internet and constantly found similar complaints about this company and today I came across some sort of settlement from a lawsuit but it was from 2015. Recently they were supposedly bought by a new company called Ditch but I believe it is still Greentree, just under a new name. I need to get out of this company but do not know how and I believe they have stolen money from me for years but I do not know where to turn. I am desperate and need help so if there is anywhere you can direct me to start I would be extremely greatful. Thank you so much!
I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on 2004, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.
My situation started XX/XX/XXXX when I finally separated and moved out of the house, during this time I provided a total of XXXX mortgage payments, some of which where directly debited from my business account. Because of issues with my ex wife signing check out of the account without authorization, I came to an agreement of providing her with monies for the mortgage and needs for my kids. Mortgage payments never made it to XXXX and instead I found out later by my daughters that the house was going on foreclosure by the somewhere around XXXX XXXX. I contacted XXXX immediately and told them of my situation and ask for help. I was then contact by an organization Located in XXXX XXXX MN that stated needed my signatures for a modification being sought by my ex wife. I attended the place and signed paper work, but I never heard from them again. It was then XX/XX/XXXX, when I contacted XXXX again to find out, whether a modification had been done or what the status of the property was?. I found out that my ex wife was going trough bankruptcy, that the foreclosure process was not possible until some legal terms where met, I told XXXX many times I was not in bankruptcy, but again they say there was nothing to do but wait, however, they say to apply for a modification, which I did the XXXX. I did apply 3 times XX/XX/XXXX as paper work was either incomplete and or wrongly filled out, same happen in XX/XX/XXXX 4 times and XX/XX/XXXX 3 times XX/XX/XXXX 1 time. now XX/XX/XXXX is about to end the house is being sold on XXXX XXXX XXXX by the sheriff as I understand and many tries after trying my best to modify this loan I will loose a house I always intended to keep. I explained XXXX, Resurgent Mortgage and Shell point mortgage, to please give me a viable path to catch up, to put the existing debt on back of the loan, anything other then t=come up with a huge amount of money to bring the loan current. The most frustrating information on this case of mine is that I was never denied until the year XX/XX/XXXX, because I simply make to much money. I have a hard time understanding this process, being able to make payments disqualify me? being able to provide and be responsible takes me out of the favorable result of a modification. I have counted at least 17 time that I have tried for a modification, one single time of those I was denied for the reason already mentioned, this have to be a unique case? a single out case? or I do n't know what to call it. Please I bag like I did form the beginning, give an opportunity to keep my house and to work together with the bank to find a favorable solution to this modification, for me to be able to provide a roof for all my love ones that depend of me.
I had a loan with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . They have gone bankrupt and my loan has changed hands either because of their bankruptcy or us refinancing somewhere else.  XXXX   XXXX  is no longer in business but the  Lien  is still on my property. I would like to remove this from my deed/title. Please help.    XXXX   XXXX  was  XXXX   XXXX  but have been divorced. If u need divorce papers or anything feel free to contact me.    XXXX   XXXX  Missouri  XXXX    XXXX   XXXX   XXXX   address was  XXXX   XXXX   XXXX   XXXX , CA  XXXX
Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.
Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.
I received a auto loan from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXXXXXX XXXX sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, XXXX XXXX admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by XXXX XXXX and it showed I was all paid up but they still refuse to release my title to car.

In XX/XX/XXXX, XXXX XXXX sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. XXXX XXXX still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.
I Had a loan through XXXX for several years. In XX/XX/XXXX I was notified that my loans were being transferred to navient. I had always paid my loan on time with XXXX. I saw on XXXX that the loan was transferred to navient XX/XX/XXXX. The transfer was complete on XX/XX/XXXX for a total of {$4500.00} ( interest rate 3.78 % ). I received a letter dated XX/XX/XXXX that the transfer was complete. I registered with navient online XX/XX/XXXX. I saw online the first payment of {$33.00} is due XX/XX/XXXX ( I have not received a bill yet ). Upon logging on I received a message that my loan was past due and I had been charged a late fee FXX/XX/XXXX ( prior to the loan being with navient ). I called customer service and spoke with XXXX in private loans who states this is for a XXXX payment however this is not the information reported online. She refused to listen to me that it was telling me I had a late fee erroneously applied to my account. This company is fradulently charging me a late fee prior to them even receiving my loan, please help.
The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX XXXX.
I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. 
Sincerely, Concerned Homeowner
Three percent rate is almost 800 percent, took two loans out first loan, I payed back in full, second loan I got sick, and the money I have payed them has been more of what I have taken out, and they still want XXXX which is a joke, but I still said I will pay XXXX a month until its paid off but 800 percent is so crooked, give me a break, thats a scam
In XX/XX/XXXX the Veteran 's Administration ( VA ) reported a debt on my credit report of approximately {$1800.00} due to an over payment made by them. At the time I was stationed abroad as a XXXX, on U.S. government orders. The VA erroneously mailed notification of this over payment to an out of date address.
I did not learn about this debt until XX/XX/XXXX of XX/XX/XXXX.
On XX/XX/XXXX I paid the debt in full in a single payment to the VA. The VA did not process this payment until XX/XX/XXXX. I have a letter from the VA confirming payment in full.
On my XXXX and XXXX credit reports the debt is shown as being paid in XX/XX/XXXX. On my Experian report, it currently shows the debt as in collections as of XX/XX/XXXX.
Initially, my report showed the debt as being in collections as of XX/XX/XXXX, but I filed a dispute with Experian in XX/XX/XXXX.
As a result of that dispute, my credit report was updated to reflect the debt as being collections in XX/XX/XXXX. I called Experian to report the information as inaccurate and was told that only the VA could change the information on file, and I would need to call them. When I called the VA, they confirmed that their records showed that the debt had never gone into collections and that it had been paid in full in XX/XX/XXXX, but stated that the only remedy they could provide is a letter confirming this information to Experian, and that it was my responsibility to correct my own report.
The letter the VA provided me with is the same confirmation letter they provided earlier, stating that the debt had been paid in full in XX/XX/XXXX. When I disputed the information again, also in XX/XX/XXXX, Experian changed my report to show that the debt went into collections in XX/XX/XXXX - which is less accurate than it had been initially.
The information should state that the debt was paid in full as agreed in XX/XX/XXXX instead of stating that the debt is in collections as of XX/XX/XXXX. The dates of pay off are important because it impacts when the information will fall off my credit report, and reduce it 's impact on my credit score.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.
Hi. We are XXXX XXXX XXXX XXXX. On Friday, XXXX/XXXX/15 XXXX XXXX Pacific time, we called ING Direct bank to close our savings accounts. ING Direct XXXX bank is an online/internet bank that is now owned by the Capital One bank. Our call was routed to a representative named XXXX. XXXX without our permission opened a new account for me ( XXXX ). Her action is the exact opposite of what we intended to accomplish. We believe the bank records telephone conversations and our equest is that someone listen to the recording. At the end of the call XXXX transferred the call to the security department to finish the transaction. Our thought was that the final step was required to close-out the account. XXXX transferred the call to XXXX in the security department. XXXX said " he does n't understand and that it show on his screen that we tried to open an account and that the call was transferred to him due to security issues regarding opening an account. XXXX mentioned that once our call ends he will talk to XXXX regarding why she tried to open account ''! We thought the matter was resolved with XXXX 's help. Howeever, about XXXX hours later we received an Email from Capital One - ING Direct XXXX - that in order for us to finish setting up our newly created account we need to call the bank. Let us repeat, WE DID NOT call to open an account. The intention of the call was the exact opposite, we called to close our accounts!
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.
Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
In XXXX of 2016, I applied for a " Costco Anywhere Visa Card by Citi '' and was given a line of credit of {$11000.00}. After 5 weeks, I did not receive the card in the mail. I contacted CIti at XXXX and was transferred to the fraud department. I spoke with XXXX XXXX, employee # XXXX. I was informed by the rep that Citi sent the credit card to a different adress. The rep then stated I could not receive another card without " verification '' of who I was. The rep began to ask " verification '' question pertaining to my home loan and other information that I did not provide to Citi when I applied for credit. I did provide my full SSN and password. However, that information was not sufficient to very my identity and the rep told me they could not help me. I am concerned my credit card may have been given to someone else who may be using it without my consent. Citi is refusing to give me any information or any form of help whatsoever. They " are very sorry '' though.
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on me!
We are in the process of trying to do a short sale on our home in  XXXX , CT. On  XX/XX/XXXX  I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.