WillisBack/dataset-financial-user-claim huggingface dataset:
Since my debt is high as started a modification. This started in XXXX XXXX and still on going. I sent them enough information to make a decision on my behalf but still going on. They have sent me a least XXXX pieces of paper telling me they have a debt to collect, this is too stressful for me at my age. This debt was started in XXXX, in the amount of {$330.00} at a interest of 6.875 %. Now debt is {$260.00} at a interest rate of 4.875 %. This is serviced by the ASC Corp, XXXX XXXX, IA, parent bank XXXX The ASC Co. who services this account and without my knowledge open an escrow account without my permission and paid my Real Estate taxes and my fire insurance. I have always paid these bills on my own so could keep a check on them. Now they added the money they paid out for my taxes and insurance, added to my XXXX XXXX bill, so my payment I have to meet each month is over {$2000.00}. Where my taxes and insurance were n't monthly and since I retired, I am on a fixed income, monthly. XXXX could borrow from the central bank a 0 % interest. Also want of add that a member of ASC service co called about a payment stated that, if I missed XXXX payments, they could start to forclose on my home.
My mortgage was sold from XXXX over to Lakeview Loan Servicing and I have received numerous calls from them about refinancing, lowinging my rate for no fee etc. When they first called they said it was just a modification, no fee. Then I get the paperwork and it's tons of fees and it was a refinance and not a rate modification. So I turned them down as they misrepresented themselves. Since then my husband and I have been harassed several time with calls asking us and telling us we need to refinance with them. We have asked nicely to stop calling us, stop emailing etc. THEY WILL NOT STOP! They are worse than a bill collector on crack. Please stop the insanity and tell them to stop calling us. We are tired of the harassment.
I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.
I have had a federal student loan since I started college XX/XX/XXXX. Some of the loans are subsidized while the others are subsidized. I started going to school for my XXXX degree XX/XX/XXXX, and since then my student loans went into deferment. Without notifying me, the loan servicer, FEDLOAN SERVICING, changed my status from deferment to forbearance, in which case all interest that had accrued overtime, was added back on my student loan. These loans are already a burden and it is frustrating when federal loan servicing companies try to manipulate ways of repayment in order to make the max amount of profit. I am still in school half time and do n't understand why every semester I should have to re-report my status as a student. My loans went from deferment to forbearance XX/XX/XXXX and to date I have not been notified of this change. I only noticed this change yesterday, XX/XX/XXXX, on my online account at fedloan.org. I hope that something can be done about this matter so these issues do not keep occur again. Thank you for your time.
In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor.
Hello, I do n't understand the problem with transunion not wanting to help people who have been victims of identity theft and fraud. There 's an alert on my credit from all XXXX bureaus. However transunion is the only one who has fraudulent inquiries on my report. I 've disputed them and have had no help or anything from transunion. They 've told me to inquiries have to stay on my reports for 2 years, I informed them that these were unauthorized and fraud, the representative name XXXX still insisted that they have to stay on for 2 years. My question to transunion was why should I suffer from something i did not do or authorize. It just is n't right and never will be. These people at these credit bureaus are really evil and not helpful at all they 're all about ruining people 's lives and credit for money!!!!!! I have attached the inquiries that are not mine and are fraudulent!
I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.
Transunion sent to the XXXX a letter responding my complaint that I have requested on 13 occasions validation, verification a/o any document bearing my signature and showing that I have a legally binding or contractual obligation for more than one year without any paperwork that proof the accuracy of that information. In a year in a year they could not send me a single document bearing my a sign An employees looking at their screen seeing my name listed in their database is not a valid verification of any alleged debt. 

Under section 611 ( A ) of the FERA Transunion is required to promptly delete all information with which can not be verified according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). 

Transunion require by Federal Law to verify- through the physical verification of the original signed consumer contracting and all accounts you post on a credit report, otherwise anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I request the removal of the account disputed because on 13 occasions youve been unable to provide me through physical verification a copy of the contract as a proof under the FCRA. That action had hurt my ability to obtain credit. 

XXXX XXXX  XXXX XXXX XXXX  XXXX See copy from Transunion answering a complain to the XXXX  They failed 13 to gave me proof of any documentations regarding this accounts XXXX and XXXX REGARDS, XXXX XXXX
I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
I wrote to XXXX and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. XXXX claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.
We have been receiving demand letters from Nationstar every month, for over a year. Same letter but amount we owe changes every month. We have asked Nationstar countless times to explain how & why they came up the amount they say we owe ... They say we are missing previous month 's payment yet we have sent in payments & they have been cashed & cleared every month. No one at customer service can give us a straight answer. They say research department will get back to us but we never ever get a call back. We feel we are being progressively harassed every month. 
Want to see our payment history, where our payments being applied to. If missing payment, tell us which month we will provide copies of clear check.
This regards flood insurance : All dates 2017 :  XX/XX/XXXX  Lender informed me flood insurance is required  XX/XX/XXXX  I initiated confirming with my insurance company about flood insurance  XX/XX/XXXX  After providing some information on the property, my insurance company determined the house is not in the flood zone and that insurance is not required.
 XX/XX/XXXX  Insurance company called lender informing then flood insurance in not required  XX/XX/XXXX  Supporting documents sent to Lender that insurance is not required  XX/XX/XXXX  Phone call to Lender to confirm they acknowledge previous information that insurance not required. I was informed they received info and were " looking into it '' XX/XX/XXXX No action taken by Lender, I purchased Flood insurance anyway from my insurance company for {$490.00} to avoid Lender starting their Lender Insurance at a cost of {$2400.00}. Send proof of insurance to Lender by fax and email.
 XX/XX/XXXX  Received call from Lender stating flood insurance is not required.
 XX/XX/XXXX  Received letter from Lender stating they were providing insurance for a cost of {$2400.00} and would be at my expense.
 XX/XX/XXXX  Send communication to lender demanding they acknowledge in writing that insurance is not required and cancel any insurance they have gotten for my loan See also attachments
This debit has not been accurately verified. The bureau does not have a contract with my signature. It is also a possible duplicate account.
I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.
Capital One Bank has closed all branches in XXXX XXXX, Texas without regard to access to their ATMs. So using a " foreign '' ATM will undoubtedly cost extra in ATM fees.
I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.
I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my report.
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.
Suntrust - XXXX XXXX : timelineIssue with payment amount and balance due on XXXX XXXX from Suntrust Mortgage:XX/XX/XXXX - purchased property in XXXX XXXX, CA XXXX with XXXX XXXX and XXXX XXXX loans from Suntrust Mortgage. 
XXXX XXXX was in the amount of {$53000.00}. Payments were XXXX a month. 
When I requested modification for XXXX, I of course requested assistance for the XXXX as well. I received no help or correspondence regarding the XXXX until XXXX when the modification on the XXXX XXXX was finally final after 4 years in process. Payments on XXXX were in full from XXXX - total {$4800.00} in paymentsNo payments were made from XXXX - XXXX - balance XXXX dueThe balance due according to the XXXX ( XXXX and only set for XXXX XXXX XXXX loan modification documents is now : {$64000.00}. 
How can that be? What happened to all the payments I did make? 
I have been making the payments of {$230.00} since XXXX and they are current, but it is a hardship and the house value is underwater and the loan amount is not right or fair for the amount borrowed and missed during a XXXX year modification process on the XXXX
I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.
I have been working on a loan modification with XXXX XXXX XXXX for over 5 years. I completed numerous RMAs, continuously provided documents, pay stubs, bank statements, tax returns, W2s, letters of hardship, etc. It has been an endless request for and submission of documents. However, no one can tell me the status of the application. They just send me a new RMA to start over. To help us get the modification, we started working with XXXX XXXX, a community housing program in XXXX XXXX. XXXX submitted a modification package for us. Over the last year, XXXX has been in the same perpetual circle that we were in. XXXX has asked XXXX to start over 5 times and like us, they just keep sending in documents with the only response being more of the same documents and then a request for a new RMA and start again. This process is grossly unfair to the consumer.
I was denied for a loan modification by Wells Fargo. It took them months of back and forth until they finally made a decision to deny my loan modification. It is an FHA backed loan. They didn't give me a reason, state that I have {$0.00} in income after I provided paystub upon pay stub. I provided bank statements, tax returns. I asked on numerous occasions if there was anything else they needed from me. My home preservation specialist told me on several occasions that based on what he looked like all looked well and they would find something for me to qualify for. Towards the end of the process I emailed and called my specialist and they fell radio silent on me. Then I had to involve someone else who had to tell me over the phone that I didn't qualify and they couldn't tell me why. Now I am appealing however I think there is something shady going on with this. I am incredibly upset and am thinking of going public with this considering Wells Fargo is already in trouble for doing such nonsense to their consumers.
First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.
XXXX : The initial problem that started this spiral down effect in NSF and Overdraft fees to my checking began as a result of two ( 2 ) Spousal Support payroll deposits of {$110.00} each that I made through the Bank of America Mobile Banking App. 
These checks are always in same amount of {$110.00} and the maker is XXXX XXXX XXXX. I usually have deposited them once or twice a month for several years. 
However, this is absolutely the First time that Bank of America has taken such a stringent position and placed a ten ( 10 ) day hold on one of these checks and it was not released until XXXX. The only " inconsistent response '' that the bank told me is that they had a " suspicion '' that the check may be returned for Non-Sufficient Funds. This has Never happened, and 10 business days is an  exceptionally long time to place a hold on a check of {$110.00}. 
This hold caused so much chaos to my account. I was transferring money from another account. I took out a " Pay Day Loan '' to avoid the " Massive Amount of Fees '' that were still accessed and " unfairly '' deducted from my account. 
XXXX = {$35.00} NSF and XXXX = {$35.00} Overdraft. [ Only One Example ] Although my other monthly electronic check was deposited on XXXX my checking account NEVER recovered from XXXX as a result of Bank of America charged me an " excessively burdensome total of {$630.00} in " unfairly assessed fees from XXXX thru XXXX. As a result, my checking account for XX/XX/XXXXwas already in arrears of $ XXXX as of today, XXXX, I only have {$69.00}. 
It is very difficult to follow the transaction history. For instance, on XXXX my purchases were shown as pending : XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. Then the following day, XXXX these same transactions were deducted again - XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. This types of " double postings '' further overdrew my account. I wrote one check # XXXX for {$36.00} on XXXX and I was charged {$100.00} in NSF fees : XXXX = {$35.00} ; XXXX = {$35.00} and XXXX = {$35.00}. My statement ends on XXXX so the 3rd NSF fee is NOT reflected. " Electronic checks were posted paid and I was charged Overdraft fees and then these same Electronic payments to my creditors would be returned and then I would be charged NSF fees. '' This is a time when I truly feel that my small checking account was " financially manipulated and abused '' and I was " unfairly assessed '' and now I have only a Small Amount of Money = {$69.00} and it is just XX/XX/.
EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOWS CHARGED OFF ACCOUNT ( SHOULD BE CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS INCLUDED IN CHPTER XXXX BANKRUPTCY FILED XX/XX/2105
Experian added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
I have twice requested the number of days in each billing cycle since XXXX ( the begining of my loan ) until now XXXX please send hard copy and copy to this site.. 
I have made XXXX payment ...