WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, I have tried on numerous occasions to work something out with my lender. In the beginning they informed me that i had to go through the waterfall process and that they would let me know if i can do the short sale, it took well over 30 days for them to come up with their assessment. Now, I am stuck with a foreclosure sale date and a good offer that the lender is now telling me that they do not have time to review. I just want the lender to be fair and at the very least review my offer. I am like everyone else, I have my pride and i at least have been actively looking for a buyer on the property. This is the worst process in the world, how can the lender say that they do not have enough time to review the file for the short sale process when they have had all of the documents for over 30 days. Please help me.
It appears per Equifax 's website, it appears my personal information may have been compromised in the mass leak in regarding to my credit information as well as varying types of personal information including SSN and DOB. I have checked via my last name and last 6 digits of my SSN per their direction which they identified may have been impacted in the hack. In addition, a charge of approximately ~XXXX dollars was made on my credit card account on X/X/17 from Florida for a XXXX XXXX purchase. I do  not reside in Florida. Luckily I informed of the breach from my company and they were able to deny the charge on my account.
Purchased our home in XXXX. Ultimately foreclosed in XXXX XXXX. The lender was Ocwen. Made several good faith attempts to save our home including working with a real estate agent to short sale the property -- which the offer was declined by the bank and eventually auctioned for an amount significantly lower than the short sale offer. Attempted to negotiate a loan modification, but never able to finalize details -- always seemed to get the run around with them -- long wait times when trying to speak with anyone from the company, being transferred from XXXX unknowing representative to another, unable to reach anybody, etc. Husband withdrew money from his XXXX to save the home. 
Because of the devastation of losing the home, it never occurred to me that there may have been conspiracy or fraudulent dealings with the loss of the home. At the time, we had XXXX small children ( ages XXXX ) to find another home for. At first I thought it was bid-rigging after reading an article about that concept. I reported the incident to the XXXX and they referred me to you. Balance on the home was {$700000.00}. Sold at auction for {$280000.00} on XXXX/XXXX/XXXX purchased by real estate investor. Sold for {$480000.00} on XXXX/XXXX/XXXX. We worked with a real estate agent to short sale to save our credit. The short sale offer to the bank was significantly higher than the auction price -- do n't have that dollar amount off the top of my head. 
Needless to say, lives were destroyed. Caused so much hardship that the marriage was affected and the family is now broken. Hundreds of thousands of dollars in personal loss, credit ruined and just an overall loss of faith in ever owning a home again.
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.
Opened checking account in late XXXX, 2018. Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days.

I completed the requirements. Citi has not paid the bonus. Contact them numerous times.
I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with Experian and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.
For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX XXXX XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and Equifax and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.
Failed to secure my information and was accessed. Now my personal information may be at risk for identity theft.
Someone completely fabricated a debt and sold it to a collection agency who in turn hired an attorney who filed and received a judgement that is still in the court records and on my credit reports = The debt was said to originate from medical bills due to XXXX XXXX XXXX - XXXX XXXX, I called both agency ; s billing departments and they said I have no debt with them and they never turned over any debt to a collection agency = This debt is COMPLETELY fabricated and is harming my credit.
On line purchase from   XXXX   XXXX   purchase  XXXX / 17  Charge to my   XXXX   XXXX   {$63.00} This amount included {$19.00} for  30 tr ial  P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the   XXXX /17    XXXX   XXXX   received their product back at the  XXXX  GA  location   XXXX /2017    XXXX   XXXX  I was billed twice to my checking account    XXXX /2017   and again  X/X/  2017  in the amount of  XXXX . I have spoken to   XXXX   XXXX   and their finance    Company Monterey Finanical over a ( 2 ) month time frame without resolve.      Illegally charged without my written express permission.
EXPERIAN KNOWINGLY REPORTS ERRONEOUS INFORMATION, KNOWINGLY ALLOWS ACCOUNT TO BE RE-AGED, REFUSES TO INVESTIGATEAND REFUSED TO DELETE.
I never had a account with this company and they are listing a debt which XXXX XXXX Report. This account has a false balance and is list with a company I never done business with Aargon Agency Inc.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.
I was told by XXXX XXXX XXXX that i would only have XXXX semester of loan debit. After i graduated i found out that i have XXXX outstanding loans. That went from {$800.00} to {$1300.00} now has become {$22000.00}. I have repeatedly and yearly sent in paperwork to request monthly repayment to Navient based on my income. They take months to respond if they even respond. Then there excuse is that i filled out wrong form, but the forms i filled out are on their website under loan repayment. Below is the path on their website to fill out the forms for the Income-Driven Repayment Plans. The problem is that when you fill out the forms on the site provided " studentloans.gov '' i was informed - '' oh that is not the right forms ''. I advised them MANY! times that their website directs you to this site. I have filled out the " correct '' forms and still they do not change the monthly repayment amount, or if they do its only for a couple months then mysteriously it it changed to a much higher amount then the amount i agreed to. I am in the process of getting this issue fixed again. I was told in XXXX that they changed my repayment amount but in XXXX they doubled it again. This just keeps happening. The same thing happened when it was XXXX. Income-Driven Repayment Plans Federal loans have a variety of repayment options that can lower your monthly payment amount and give you more time to repay your loans. With Income-Driven Repayment ( IDR ) plans, certain eligibility conditions apply and an annual renewal is required so be sure to find out how these plans work. Learn about Plans Based on Your Income -To continue with IDR, you can renew online at StudentLoans.gov or request a paper Income-Driven Repayment Plan Request from your loan servicer. Renew online at StudentLoans.gov Renew Using the Income-Driven Repayment Plan Request Form Learn more about repayment plans based on your income.
i dont know where all this debt came from i dont own that much of money i know i own debt but that 's too much And these keep reporting to my credit know when i try to get credit card they denied me because of that. i am trying to build up my credit score
XXXX XXXXXXXX XXXX has been improperly reporting an old account that is no longer open. The account is a paid charge-off account. The balance was {$380.00} dollars and I had paid {$320.00} dollars to settle the account back in XX/XX/XXXX. The issue is that XXXX XXXX XXXX  has reported the account as failed to pay in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XXXXXX/XX/XXXX. Those 4 marks had greatly impacted my overall credit score and they should not be listed as failed to pay. They in fact should be listed as a charge-off in the payments history. Having 4 failed to pay marks well after I had settled the account isn't proper credit reporting. This has damaged my credit and so be remedied
Recieved a letter from this collection agency on XX/XX/18 regarding a phone bill debt that was already deleted and discharged by another debt collector.
I was a victim of identity theft and noticed a collection from SYNERPRISE CONSULTING SVS INC -XXXX, Get more information on collections acco I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise Consulting in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?
Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.
I wasn't near a computer to check my account as I was out of town. {$1000.00} in overdraft fees in 35 days. Starting from XX/XX/2018 thru XX/XX/2018. 
I went to Chase Bank branch on XXXX and XXXX in XXXX XXXX, CA on XX/XX/2018. 
Sat down and the gentleman reversed 4 of the charges and said more were getting reversed as it processes. This was an obvious mistake on my part and Chase is taking advantage over me by shoeing me out the door. Also I didnt want overdraft protection but when I opened my account She said its mandatory but as soon as I opened an online account I can switch it off. I was NEVER given the opt out option. Also never informed about debit card coverage that I didn't know existed but says I'm opted in? Please help!!
... XX/XX/XXXX, we leased a XXXX " XXXX '' through XXXX dealer " XXXX of XXXX XXXX '' and put down over {$9000.00}. We were given XXXX miles in the agreement. We returned the vehicle to XXXX dealer " XXXX XXXX '' in XXXX ( Now XXXX XXXX ) XX/XX/XXXX. The vehicle was inspected by the dealership and found to be unblemished and in very good condition. At the time, we were under the mileage limit by nearly XXXX miles and fully ( 2 ) two months ahead of the expiration date on the agreement! 
Without any hesitation, U.S. Bank, the leaseholder used by XXXX XXXX, refused to refund to us any of the $ XXXX dollars represented by the unused miles ( they charge XXXX for each mile OVER the agreed limit ... what about " undermileage? " ) .... and further, demanded the two months payments ( {$510.00} ), even though we had already returned the vehicle to them and were not able to use it. 
Further, they sent us a letter demanding an additional {$1000.00} ) for alleged " wear and tear '' their own personal inspector claims was found on the car. 
We were surprised and saddened by U.S. Bank 's egregious and impersonal handling of their contract with us. There is never any excuse for such an " iron-clad '' enforcement policy of ANY personal agreement such as this! Their behaviour represents nearly {$3000.00} of costs levied against us, for which we received absolutely NOTHING in return. We are now told that U.S. Bank is no longer being used as a vendor of leases by XXXX XXXX. thank you!
I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs.