WillisBack/dataset-financial-user-claim huggingface dataset:
United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan. 
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing. 
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now. 

What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.
On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.
I received a letter from Citicards dated XX/XX/XXXX alerting me to a check in the amount of {$140.00} which was issued to me on XX/XX/XXXX and remains uncashed. It instructs me to contact the Customer Service telephone number on the back of my card if I did not receive the check, which is the situation with me. I did that, and after 30 minutes on the phone, neither the representative nor a supervisor were able to figure anything out. The letter identifies an account ending in XXXX, but Citicards was unable to find any account ending in that number. 

I asked for the phone number for the Citicards Executive Response Unit and was given a phone number for a Citicards third party contractor by the name of XXXX, who claims this is not their area of responsibility. 

I would like to have Citicards reissue a check to me for the {$140.00} I am due, but Citicards is unable to locate the account.
I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.
Recently it came to my attention that XXXX XXXX XXXX, XXXX dba AmeriCash Loans, XXXX XXXX XXXX XXXX XXXX, WI XXXX entered a Summons and Complaint Small Claims against me on XX/XX/2018. 

AmeriCash Loans headquartered at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX did not officially notify/serve me said summons and complaint by certified mail, registered mail, nor official process server which is dictated and outlined as an official procedure in debt collections in the State of Wisconsin. 

Also, I did not receive official notices/letters ( as mentioned above ) from AmeriCash of the Right to Cure Default of said payday loan within the past 2 years leading up to this complaint.

Nor have I received to date an official notice of said summons and complaint filed in the State of WI Circuit Court, XXXX County, Case No. XXXX which is presently pending against me at this time of writing this complaint.
Complaint 1 : I made my payment early as I often do, though I'm on automatic payments. When you do this, there's a disclaimer saying that your additional payment will reduce your automatic withdrawal payment by the amount of the additional payment. I haven't had the payment come out twice before. It did this time, and when I asked about it, they treated me like an XXXX. I even selected " Principal Only '' for the additional in case this happened, yet they took interest from both payments. This shouldn't have come out twice, but if that's how they're going to run their business, then additional payments that have been marked for Principal Only need to be Principal Only. 

Principal Interest XX/XX/2018 Pending {$100.00} XX/XX/2018 Payment {$120.00} {$100.00} {$18.00} XX/XX/2018 Payment {$110.00} {$110.00} {$0.00} Complaint 2 : I refinanced the majority of my loan in XXXX to another servicer because Great Lakes ' practices are so terrible. The balance left with Great Lakes was a little over {$6000.00}, yet they did everything they could to keep my monthly {$350.00} payment that I was paying when my balance with them was nearly $ 30k. I had to fight tooth and nail to reduce the payment to what it should be. I got through the whole hour-long process on the phone the first time, and was told I'd have to wait over the following weekend for changes to take effect. The changes never came, and the entire {$350.00} was withdrawn from my bank account. I called to see where they were at in the process of changing it, and they claimed they had no record of my call. So I went through the whole process again. I saw nothing still the following week, so I called again. Again, no record of me calling. On the third time, after threatening reporting them, my payment changes were made.
We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.
I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
Now my main source of income is retirement benefits from social securityJob loss and XXXX surgery to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loan without any back payments. and defaults. 
My main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high interest APR. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with TransUnion, XXXX and XXXX several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Equifax 's dispute system is broken. I've repeatedly attempted to submit disputes and I continue to get disrupted by bizarre errors, timeouts, and malicious user interface design. It appears to me that Equifax is deliberately making the dispute process difficult if not impossible.
I have mailed copies of my DL and Court documents via US MAIL and no response I have uploaded my documents to their site and no response I have faxed my documents to them and no response on the update of my personal information
I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.
XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the XXXX. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX  XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Citibank sent XXXX checks for {$29000.00} to another party without my authorization and added these charges to my account. XXXX of the accounts they added this balance to was a closed account with a zero balance. This is fraud beyond belief.
My mortgage loan was paid off. I overpaid the loan, and was refunded my money back from Chase. Chase then issued me an IRS Form XXXX for that refunded money, claiming it as " other income '' on line 3 of the form, which means it becomes income to me, and due taxes. I have already paid taxes on that money, and now, because of the XXXX, the IRS will want me to pay taxes on it again. 

The XXXX listed is NOT income from Chase to me, but my own money, refunded back to me. I filed a previous complaint with CFPB, case # XXXX. Chase 's response to that claim did NOT address the mistaken form XXXX at all. They didn't even mention it.
The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )
On or around XXXX XXXX XXXX several collection accounts were removed from my report and placed backed on. My score also dropped XXXX points once that happened.
I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
This collection company appeared on my credit from an account that i believe had to do with ID theft. I filed an FTC report and local police report and it was removed from my credit by another collection company. Seems it has been resold. Please include any signatures of mine you may have authorizing the account.
Over the last 5 years XXXX XXXX has been reporting I owe monthly installments of {$11000.00} which will equal {$130000.00} yearly for 84 months. TransUnions   did not investigate.
I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history. 
I 've spoken to XXXX and CMRE Financial services but in vain.
On XX/XX/XXXX I requested a copy of my XXXX XXXX XXXX XXXX XXXX XXXX file. Upon receiving my file on XX/XX/XXXX I saw that there was a service account showing by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX that was charged off in the amount of {$2200.00} I have never had a cell phone that I recall with this company and surely not with a bill for such an enormous amount!!! Also I noticed that is account, is almost 2 years past the Statue Of Limitations and has not been deleted! I'm not sure where this account came from but would like for it to be immediately be deleted from my XXXX file. Looking back I believe this inaccurate reporting may have been the reason i was denied cellular service with XXXX. I tried contacting the XXXX but every time I call they say they're having technical problems and to call back in a hour. 

The account number that's in my file is # XXXX
I recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
Comenity manage 's XXXX XXXX 's consumer credit card. I paid a bill on XX/XX/XXXX ( XX/XX/XXXX statement ) and on XX/XX/XXXX ( XX/XX/XXXX Statement ). Then was hit with a late fee for not paying my XXXX statement minimum payment. When I called I was told I paid between billing cycles, which was true. However, when I checked my account on XX/XX/XXXX and XX/XX/XXXX my account portal stated that I had a {$0.00} minimum payment. When I logged in on XX/XX/XXXX I scheduled a payment of {$30.00} to be withdrawn from my account on XX/XX/XXXX for my XX/XX/XXXX statement. When my XX/XX/XXXX statement was available on XX/XX/XXXX is when the late fee was assessed. I contacted Comenity and was told I was late on my payments. When I finally was able to get the associate to see the full time line of payments and I explained to her that when I logged into my account to confirm if I owed a balance she told me that the online account system was irrelevant. Which is extremely troubling given I use that portal to manage my account the few times I do choose to use this card. If this portal is " irrelevant '' as I as told how am I then able to properly manage my account.
Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country