WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

This is not acceptable.
I have filed a police report at the XXXX XXXX police department and gave all the suspect information relating to me being victimized by identity theft. 
XXXX XXXX at XXXX XXXX POLICE DEPARTMENT. BADGE # XXXX POLICE dept PHONE : XXXX For years I have attempted to remove these fraudulent items from Equifax. They will not comply by Federal law and remove the items.

Total amount taken exceeds 100,000.

6 accounts were opened in my name, money was spent, and I still suffer due to the fact Equifax will not honor the request by XXXX XXXX police and use my identity theft report to block these negative items. 

How many years do I have to wait before my life gets back on track? Why will they not do what they are supposed to do? Ive lost 1000s of  hours of my life dedicating to try to get this resolved.
I find it reprehensible that Citigroup is using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.
I have disputed the late payments on this XXXX, XXXX & XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.
I finished repaying my student loans in XX/XX/XXXX and my account with Great Lakes student loan provider was closed. I received a communication from them congratulating me that my loans were repaid, and I downloaded my full payment history for my records. The payment history showed {$0.00} unpaid principle balance.

In XX/XX/XXXX I logged into my online account to print out my XX/XX/XXXX tax statement. When I logged in I saw a balance of {$30.00} in unpaid principal, and {$1.00} of unpaid interest, for a total of {$31.00}.

I promptly contacted Great Lakes. The first person I talked to was unable to explain the charges. Finally, I got through to an account manager, and when my questions persisted she told me that Great Lakes was being audited by the FSA, and that they had failed to apply an interest cap adjustment to my account at the time. They could not explain how or why they were able to reopen my account and apply these charges without notifying me. Had I not logged into get my tax statement I would not have known about these charges. Eventually, they sent me a generic statement on XX/XX/XXXX that reflected the new charge, however, I have been informed several times that this may not be the accurate amount.

I have been in contact with them twice since then. On all occasions they have told me that the amount has not " settled '' yet, and that the {$31.00} might not even be the correct amount. I requested a letter detailing the charges, and explaining how and when the interest cap adjustment was applied so I could provide it to my attorney. When they finally provided the letter, it did not include any of the information I requested.

I have been unable to resolve this issue with Great Lakes. My issues are : 1. How they were able to re-open my account and apply charges without notifying me.

2. That they made a mistake that was caught by the FSA during an audit, and that they are attempting to pass that fee along to a former customer, even after the affected account was closed.

3. That they have not been able to provide relevant or accurate information in a timely manner - or even let me know when the charge will be finalized or when I can expect a resolution.
A company called Performance SLC LLC called me claiming to want to help me be forgiven of my student loans with the " obama student forgiveness program ''. They claimed they would consolidate my loan and after 3 yrs I would be forgiven of the remainder. They have my social security number ( but I refused to give my bank account info which they were pressing very hard for ). I looked up the company and realized it was a scam. I am worried they will use my social for fraudulent behavior under my name. They are calling and preying on people who are struggling with debt. I sent them an email stating they had did not have permission to use my info for anything but Im not sure what else to do.
I was given a date of XXXX to move out. I would like to remain in the home and pay rent.
For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.
It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX and XXXX   credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one Sally Mae account which should drop off in XX/XX/XXXX. Please advise.
I have my condo mortgage with U.S. Bank XXXX XXXX. The bank requires a certificate of insurance that covers hazard and flood. My homeowners association dues covers this cost and the HOA purchases the hazard and flood insurance annually and provides us with the certificate. Each year, U.S. Bank places a forced flood policy on the property which is about 4 times the cost of what I could purchase separately, and once I provide the certificate of insurance, they refund the full amount of the insurance. This year I have twice sent them the copies of the insurance certificate, but they continue to insist that it does not cover my property for flood although on the second page it clearly states on page 2 that  FLOOD is covered with the specific sufficient amounts. This morning ( XXXX XXXX XXXX ) I spoke with XXXX XXXX, a senior customer service representative, and she again reiterated that they had no record of flood insurance. I am faxing the certificate to them a third time, and I am requesting that they refund the {$1000.00} they placed against my mortgage. Our condo association is very aware of this practice by banks, and it appears the banks are simply relying on customers to ignore the additional charges and be over insured.
I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to Experian, XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. Experian, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
XX/XX/2018, i depostited {$1000.00} and they went XX/XX/XXXX to pick it up the money wasnt there ...
I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.
This is a follow up to claim # XXXX in which I disputed JPM claims that they do n't recognize or could n't find any loan on XXXX XXXX XXXX XXXX XXXX. I 'm still waiting for their response regarding : ( 1 ) Indicate whether apartment XXXX was one of the apartments pledged as collateral ( 2 ) The loan was originated by XXXX but then transferred to an Investor who used JPM as the servicing agent. Please indicate the promissory note owner. 
( 3 ) Date loan was fully paid off. 
( 4 ) Status of the lien release To assist in identifying the loan I enclosed and I am enclosing below copies of loan documents, XXXX filed as the servicer as well as copy of a check the corporation issued in payment of one of the mortgage installments.
I am XXXX and in poor health. Though on the Do Not Call list, I continue to get recorded robocalls from this company. If i answer, they want to put me on hold. If I do not answer, they never leave a message. Caller ID shows Global Rec Sol. My research indicates they are agents of Global Receiving Solutions, a wholly owned subsidiary of Alorica. I have absolutely no business relationship with this company and have never owed a debt to them or any other company.
XXXX XXXX XXXX or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 

I have copies of checks cashed by XXXX XXXX XXXX. I have filed complaints with the XXXX against them. And XXXX XXXX XXXX representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all because they put my payment on another account.

XXXX XXXX XXXX or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.
I opened an Auto Loan with Santanders XX/XX/XXXX. I became XXXX and wrecked my vehicle XX/XX/XXXX causing me to XXXX. I had an lawyer on my case as the cause of the accident was the other driver. I spoke to Santanders plenty of times to resolve the issue and they refused to do so. Now the amount that is on my credit shows as a charge off. This company would not assist with my needs and they need to remove the account off my all credit bureaus. This has affected me in so many ways. The vehicle was totaled out and my insurance did not pay. I loss my job due to me having to be on bed rest after this car wreck.
The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.
This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.
Sufficient evidence of this debt was not provided. In my dispute with XXXX, the debt was removed from my Credit report. 30dys later the debt resurfaced under a different name onto my XXXX credit report.