WillisBack/dataset-financial-user-claim huggingface dataset:
There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.
I financed a vehicle through Ally Financial in 2016. I made my first payment on XX/XX/2016 which was not due until XX/XX/2016. In addition to the scheduled payment I made an additional payment to be applied to principal. However, the additional payments keep getting applied to the future monthly payment instead of the principal balance. I 've called Ally and spoken to customer service and a manager. Each time I get assured that the account will be updated and that future excess payments will be applied to principal. However, this is not occurring, I have to keep calling each month to make sure that they apply the excess payment to principal. My account transaction history is a mess because of so many reversals and postings. The account running balance is not displayed in the transaction history. I believe that Ally 's practices are illegal because by applying the excess payments to the future payment instead of the principal they get away with collecting a higher amount of interest based on a higher balance.
I have historically paid my Perkins Loan online at https : //borrower.ecsi.net/. On the site in the secure portion, I have used the direct payment choice which makes a payment direct from my bank without any fee. This has been done on a one time ( single recurrence ) basis. ECSI is developing a new website ( http : //www.heartlandecsi.net/ ) that they have encouraging the use of. On the new portal, there is not an option to make a one time ( single recurrence ) payment from my bank without incurring a fee of ~ {$2.00}. Across multiple accounts and over time, this is a substantial amount of money. I 'm complaining about there now being a fee for a service that previously did not have a fee. I have called the company and they were unhelpful. Additionally, I have attempted to work with the University XXXX XXXX as they technically still own the loan to get them to fix the issue. Neither has been successful.
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with XXXX, XXXX, XXXX and XXXX, XXXX about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.
Dear Consumer Financial Protection Bureau. I currently have a foreclosure sale date scheduled for XXXX XXXX, XXXX this is a very urgent matter. I have a complaint about my current loan servicer which is Rushmore Loan Management Services, LLC. Let me begin by explaining my situation from the past to the current. My loan originated with XXXX XXXX. I was paying XXXX XXXX around {$1600.00} towards my monthly mortgage up until the collapse of our economy. From there they sold my loan to XXXX XXXX. I was behind and applied for a loan modification they gave me the loan modification and I paid them the three trial period payments. After I paid XXXX advised me to keep paying them. I continued to pay XXXX for at least 18 months but around that time I received a letter saying that my home was under foreclosure. This was a huge shock to me as I have paid and was still paying XXXX for what I believe to be was a loan modification. My loan once again was sold to another servicer this time my current one Rushmore Loan Management Services, LLC. 
I have applied with Rushmore Loan Management for a loan modification and sent them all required documents to be a completed packet for a loan modification. Rushmore loan management has all required documents and packet is in review. 
.Im worried that this company will either take my money and they sell my loan to another servicer or just foreclose on my home even after having all required documents for a loan modification. If Rushmore Loan Management Services, LLC foreclosures they will be in violation of the California Homeowner Bill of Rights Act.
My XXXX XXXX was sold, " all cash. '' sale. 
Closing was scheduled for XX/XX/XXXX. As of today, Wed. XX/XX/XXXX, we still have not closed. Not closed because XXXX XXXX XXXX has delayed providing the proper documentation necessary for the closing. In addition, Kondaur rep. has not responded to my attorney 's requests in a timely manner - My original mortgage/loan servicer was XXXX since XX/XX/XXXX.  Unfortunately, at the time of the sale of my co-op, XXXX sold my mortgage/loan. 

I am relocating to XXXX, Ohio. I would like to get there while my XXXX-year-old Mom is still on this earth.... 
This untimely delay has caused me additional unexpected financial problems, and much mental distress. 
Please help!
I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.
i did contact experian about XXXX/XXXX to dispute a inaqurate info they toll me first of course we will help you they start investigation no resolve i contact them agian why this item is not deleted from my file they toll me this item is gon removed they lie to me they never removed i call webbank to remove or else i will sue you they aggre they send me letter home i forward thet letter to experian is clear they did send electronic not to experian to remove inaqurate info still nothing i dont know what to do withe this idots they r very nasty people idots i did send them a prove and no resolt i nid help
XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX  over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.
XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt  collections agencies, to date, have closed the account due a lack of sufficient evidence by XXXX.
Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M XXXX ...
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, Equifax and XXXX ), XXXX XXXX Acct XXXX ( Equifax, XXXX, XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX  ), XXXX  XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( equifax, XXXX  ).
After purchasing products from overseas at XXXX. XXXX sends me a bill for international shipping or something. The bill was extremely irrelevant, ridiculous, and incredibly unnecessary. I refused to pay this bill because I already paid a big amount of money to purchase the products and shipping in the first place anyway, was confused why i needed to pay this bill ... Now they raised {$8.00}, originally {$58.00} now a debt of {$66.00} even though i do n't know where the XXXX they come up with these numbers and XXXX cents change ... I 'm so upset why this type of international law or policy exists.. when consumers are already paying for their shipping. I refuse to pay this unnecessary debt.
I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.
On XXXX XXXX I submitted a claim regarding a banking promotion with citibank. The claim number is XXXX. On XXXX XXXX Citi responded that they would credit my account with XXXX thank you points since I had met the terms of the promotion. The correspondence from XXXX XXXX stated that the points would be deposited in 60 days ; according to this schedule the points should arrive by XXXX XXXX. Yesterday on XXXX XXXX I logged into to redeem the points that had been granted and the points from this account were missing. The representative that I spoke to said that the points had been forfeited. I explained that the points had just be granted after a dispute and were due to be deposited by XXXX XXXX. I worked very hard to ensure that I received this bonus and am very upset that Citi seems to have revoked their offer.
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XXXX day of XX/XX/2018.
We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased.
I reviewed my credit report and found the following items to be errors. Here as follows are the items in error : XXXX/XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX. Late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Charge Off. Please verify, if cant be verified please delete immediately. 
XXXX  XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX ( Charge Off/Collection ) Please verify, if cant be verified please delete immediately. 
XXXX XXXX Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Please verify, if cant be verified please delete immediately. XXXX XXXX XXXXXXXX XXXX Late Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please verify, if cant be verified please delete immediately.
I had a invoice that was covered by Medicaid that due to a clerical error was late getting paid, due to no fault of mine. It went to a collection agency. I called as soon as I was notified and gave them the information they needed to remove this debit from their ledger and was assured the matter was closed. They still reported me to reporting agencies and my credit score lost XXXX points while I was in the process of getting a home loan which very negatively impacted my ability to get a loan. They have made no effort to call me to resolve the issue after I have attempted to make contact with them multiple times.
I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was XXXX XXXX.
Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms.
XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.
I contacted XXXX  on XXXX to remove my fraud alert. I then received a letter from XXXX  saying my request was forwarded to TransUnion and XXXX. Surprisingly, both TransUnion and XXXX  created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX  because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.
Too many dates to document. I was told me several associates at Navient that i could make payments to the principal in addition to the the monthly amount. On several occasions, i would do this. I then started getting bills saying nothing was due. I would call again to find out that the loan was not paid properly EVERY time i would do this method. So several months in a row, i would have to make my payment, make my PO payment and then call back to have it redone correctly with a manager. I have asked to increase my payment from XXXX to pay my loan off faster ( since i was notified today that my XXXX balance wouldnt be paid off until 2035 ). I was advised to not increase it to just call and make additional payments when i could. I also consolidated my loans a while back and tried to get payments in where i could. I have been paying religiously and have BARELY cleared off XXXX. I was putting up to 500 per month on some months.
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to Bank of America, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that Bank of America and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.