WillisBack/dataset-financial-user-claim huggingface dataset:
I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for XXXX XXXX!
I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things on my credit report.
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
XXXX and XXXX XXXX lives at XXXX XXXX XXXX, in XXXX, IL XXXX. XXXX XXXX XXXX is our mortgage company since 1999. XXXX and I paid mortgage payment on our home on time 20-years, until the predatory lending took place 5-years ago. We tried to get a modification from XXXX XXXX XXXX, and they did not offer it to us. We went to XXXX, and battle with XXXX XXXX XXXX until, XXXX and XXXX XXXX filed our chapter XXXX, with XXXX, three years ago. We were told to move out of our home, we did for an entire year. After a year of renting in XXXX a apartment, We were asked by XXXX XXXX if we wanted to move back into our property and we told our attorneys at XXXX XXXX we would. XXXX did not tell us we were reaffirming the debt owed on the property of {$63000.00} dollars, that was added unto our mortgage after moving back into our home a year later, and after filing a Chapter XXXX on the property three years ago. So, XXXX XXXX XXXX added the {$63000.00} dollars on our mortgage, then sold our loan to Green Tree Servicing LLC/DITech. The Green Tree Servicing, LLC/DITECh, added unto the {$63000.00} dollars, along with {$81000.00} dollars more that exist on our mortgage now, even after hiring a second set of lawyers, The Law Firm of XXXX XXXX on the south side of XXXX. Gree Tree Servicing LLC/DITech, will not defer our payment to get a lower monthly mortgage. I XXXX XXXX is not working, my husband is the only XXXX working, XXXX XXXX and he is a veteran. XXXX XXXX XXXX wanted to switch XXXX and I to a HARP program after we asked the law firm too, but Green Tree Servicing LLC/DITech mortgage company refused to lower our monthly mortgage along with adding a additional {$500.00} dollars unto the {$1400.00} monthly mortgage that we are paying even now, and yet still not signed up with the HARP program for a lower monthly mortgage.
Dealing with Navient has been incredibly stressful and difficult. Their staff is condescending. At one point during a call, I had to set guidelines on how to communicate with the representative because he was unprofessional. While this conduct was reported, nothing came of it. Yesterday, I called XXXX XXXX for advice. I found out that I would have qualified for a low income driven plan all this time, but Navient never offered me this option at all! They kept putting me to deferment until I wasn't eligible for anymore deferment. I've explained to them that I'm currently working part time and on gov. assistance. I also submitted a economic hardship application which they did nothing with it. So yesterday, I filed for consolidation with another service provider including with an income driven payment plan. Navient is irresponsible and took advantage of situation. They took advantage of a consumer who knew very little about her options and did not present any other options other than to forcibly collect debt. While i asked if there was any other way, they told me no. They have robbed me from my options and rights to know by withholding information such as the income driven payment plan.
As of XX/XX/XXXX, Equifax 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. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.
I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.
This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?
Greetings! 

Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX  ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )
I requested paperless billing for a Capital One card account. Not only did the account go paperless, but it became " contact-less '' and " notification-less ''. In fact, the communication just went " dark '' ( no communication ). It only " lit '' back up once I realized I missed a payment by over 30 days. This, of course, created a late payment note on my credit report and trashed my credit score. 
As a XXXX, I have worked extremely hard to do all I can to support my credit score. This is a huge setback. Additionally, the credit reporting/score system makes no distinction between missed payments ( due to being a deadbeat ) and missed payments caused by a logistical issue. Basically I appear to be a deadbeat to lenders. 
Yes, I am responsible for the payment of the account. There was no history ( until this logistical issue - " darkness '' ) where the account was paid late. The account is, once again, paid on a timely basis. I do n't feel like I should be penalized for the lack of contact by Capital One. 
I, immediately, reactivated paper statements. I, immediately, verified Capital One had my correct phone & e-mail contact info ( which they did ). 
I had also requested paperless statements for several other credit card accounts ( including a Menard 's Big Card - serviced by Capital One ). All other accounts continued contacting me via ( automatic ) e-mail message alerts including " payment due '' and " statement available ''. Why was Capital One allowed to risk my credit score by failing to contact me regarding payments due and statements available??? 
In my opinion, Capital One failed me. We spent XXXX ( if not XXXX ) of US tax dollars to create the CFPB. I hate that spending, however, I hate having my credit score, innocently, attacked even more.
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
I Contacted this company who in fact could not locate this fraudulent account but continues to report it on my credit report. Which brings me back to the credit bureaus how are they validating these accounts if the creditor can't even locate you by your ssn
Wells Fargo foreclosed on my home and it was sold back to them on XXXX XXXX XXXX. It was valued at XXXX and was purchased for XXXX. The amount we still owed was approximately XXXX. I separated from my husband in XXXX XXXX. He allowed our home to go into foreclosure without my knowledge. I called Wells Fargo around XX/XX/XXXX and that 's when I learned about the foreclosure. I was told the loan status was going from pre forelosure to foreclosure. The right to cure had passed already in XX/XX/XXXX with no action from my husband and I could not be granted the opportunity given to him to cure the loan. I gave the representative my current mailing address where I could be served any papers and my contact info. I still have not received one piece of paper on this foreclosure, the sale, or have I ever received notification of any kind.I was told by the county recorder In XX/XX/XXXX they used publication in a newspaper to notify me when they had my address to serve me 2 months before this. I was trying to sell the home but was blocked from doing so by my my husband 's refusal to allow the realtors to show it. I was told I must pay the full balance to bring my home out of foeclosure. A wells Fargo rep told me that home loan modification was for those staying in their home not selling it. I did n't realize it would have bought me some time to sell the home. I learned of the sheriff 's sale in XX/XX/XXXX by realtor XXXX XXXX, a realtor my husband hired in the XXXX hour, who opted to not actively sell the home due to the pending sale. I was passed from person to person within the Wells Fargo mortgage department and their local law firm. The home is in a hot selling neighborhood and if given some more time to remove my husband I could sell the home and receive back my nearly XXXX in equity. I was told by the XXXX brown law firm who represented the bank to send the delay of sale to Wells Fargo mortgage help by fax ultimately it was denied and the sale continued. I later learned the request should have been sent to the sheriff 's office. I was a XXXX XXXX XXXX on a full scholarship when i separated from my marriage so I simply could not afford an attorney. My name was on that loan and still to this dayI have never been served or mailed anything on the foreclosure, sale, mediation ect.. I understand publication can only be used after a diligent search and they had my address for two months at the time they published my name. I was mislead about loan modification and the bank never worked with me to find a solution. My equity was a substantial amount and I feel I have been cheated out of it! I am located in Iowa
My mortgage servicer is Wells Fargo and they are not giving me a reasonable explanation as to why my PMI is not being canceled. Per the Homeowners Protection Act, the PMI should cancel automatically at 78 %. My loan-to-value ratio is about 74 %, which I calculated by taking my unpaid principal balance of ~ {$210000.00} divided by the home 's purchase price of {$280000.00}. I called them, and they did not give me a sufficient explanation. I followed up via a message through my account when I was logged in but no reply. Without a reasonable explanation, I feel am being taken advantage of and I am paying PMI unnecessarily.
Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}. 
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.