WillisBack/dataset-financial-user-claim huggingface dataset:
When my 1yr/30yr amort loan came up for renewal in XX/XX/XXXX, instead of being renewed as it has since XXXX.a new loan was offered-a 10 year, fixed rate loan, that raised my monthly payments by about $ XXXX informed the loan officer at this time that I would not be able to afford this new payment.He advised me to sign the loan to avoid default, but assured me we would come up with a modification shortly after.After submitting and resubmitting various documents ( a 30 day period ran out before my tax returns were completed ), I was denied a conventional refinancing loan.Next, I was asked to submit a hardship letter, stating why I had been out of work and fallen behind on my payments.I complied with this request.Then I was asked for my college students ' payment schedules for XXXX and XXXX.I also complied with this request and supplied all requested documents and information.With various delays in getting health privacy waivers, having to resubmit information when 30 day deadlines passed, and waiting for financial information from the colleges ' ( again, privacy laws ), All information was finally submitted to the bank. 
My next correspondence was a registered letter demanding all back payments to bring the loan current. I responded that I was cooperating with all his requests, based on his promise to offer a modified loan, along the lines of previous loans, with a similar monthly payment.We spoke by phone, and exchanged emails, but no alternative or modification was ever offered.Only a demand for payment to bring the loan current.I told him I could not afford this solution, and reminded him of his advice to sign the note, with the promise of a modification forthcoming.In the following weeks and months, no modification was ever offered, and my financial situation remained the same.Eventually, this led to a notice of foreclosure being delivered on XX/XX/XXXX.I am hoping he will uphold his promise of a modification, since I was honest and upfront with him about not being able to meet the new monthly payments.So far, his position has not changed, he is demanding the amount past due to bring the loan current ( approximately {$46000.00} ), which I do not have. Even if I did, it would be a month or two before I fell behind again, as I can not afford the monthly payments on the new note, as I told him at the time.
I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX
My mortgage loan matured on XX/XX/XXXX.
As of XX/XX/XXXX the principal balance was {$180.00}. I made my recurring electronic mortgage payment of {$420.00} in XX/XX/XXXX, but it was refused and returned by CitiMortgage. After calling CitiMortgage, and clarifying the final payoff payment was {$210.00}, I wrote a check for that amount and mailed it in on XX/XX/XXXX.
Subsequently I received a letter dated XX/XX/XXXX stating my account was in default, with a total past due amount of {$840.00}, and that a credit bureau was notified. On review of my latest credit score, it has dropped from XXXX to XXXX. In calling CitiMortgage, they have refused to correct their error in reporting.
While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. 
Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.
Under the FCRA I, XXXX XXXX XXXX request that LexisNexis immediately notify XXXX  of the folllowing : That the bankruptcy Item XXXX  is deleted/suppressed from my file. And to provide me with a copy of said communication.

Under the FCRA, XXXX XXXX XXXX  has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.
Dear CFPB, This complaint concerns Barclaycard 's refusal to satisfactorily resolve fraudulent charges that were made to my credit card account in XXXX and XX/XX/2017. I have attached the letter that I sent to Barclaycard to describe the issue and to request resolution. Instead, Barclaycard has hounded me for the past year, plus.. When I refused to pay the fraudulent charges, Barclaycard reported me to the credit reporting agencies as having a delinquent account. This was after I had closed the account. It has lowered my credit score from over 750 to under 680, which has cost me addiitonal financing costs due to the lower credit score. Still unsatisfied, Barclaycard has now threatened to file a lawsuit against me. Please make them stop! 

Here is what happened : I logged on to the Barclaycard web site in late XX/XX/2017 to make my regularly scheduled payment on my promotional balance. I had opened the Barclaycard as a promotional card to purchase two XXXX computers. For that, I was promised special financing in doing so. There were no other authorized charges on the Account. Thus, I was shocked and horrified to find thousands of dollars of charges over XXXX charges to XXXX XXXX. I immediately called Barclaycard and reported the charges as fraudulent. I recall the Barclaycard representative accessing the Account, reviewing the charges, and agreeing that they looked fraudulent based on my usage history. That same day, I went to the Barclaycard web site, filed a written report to the same effect, and paid the remaining authorized balance. Shortly thereafter, Barclaycard closed the Account and I lost access to the all of the charges. I received a letter from Barclaycard dated XX/XX/2017 and assumed Barclaycard had attended to investigating and resolving the matter. 

Sometime later, in XX/XX/2017, I began to receive robo calls from Barclaycard. I spoke with XXXX of Barclaycards Fraud Investigation team on XX/XX/2017. I reported the fraudulent charges to XXXX, and he assured me that he would get the matter concluded. Then I received another letter from Barclaycard dated XX/XX/2017, concerned some account ending in XXXX ( the Unauthorized Account ). I have never applied for the Unauthorized Account nor do I have any knowledge of how it came to be or how there has come to be a balance of XXXX. Since I received the XX/XX/2017 letter, however, I began to receive a daily barrage of robo calls notifying me of a balance due. Each time that I returned the calls, the customer service representative would tell me they were authorized to do one and only one thing take payments. They refused to discuss the charges, reported that they lack access to information in Barclays computer systems about them, and were unable to transfer the call to anyone who can. 

Again, all the representatives of Barclaycard said they could do was to take payments. I would like barclaycard to stop collection activity, close my account, and send a report to the credit reporting agencies that restores my credit rating to what it was before Barclaycard damaged it.
Would like to see paperwork showing which mortgage company Countrywide settled my loan payoff at time off purchase XX/XX/2008. Who previously held my note? No official legal documentation can be located to justify those figures quoted over phone interviews were ever produced as promised to myself. 
I paid for the title search myself and I would like a copy of as well. 
Also, because I was on XXXX, I was exempt, as in previous years, however that arrangement was cancelled by Countrywide Bank or Countrywide Mortgage or Bank of America or XXXX XXXX. My property was sold amoung 3 financial institutions in one single day XX/XX/2008 and Bank America becomes the servicer. 
I deserve access to files that were never presented to me as proof of transfer, by way of Promossory Note, which was never filed with any legal authority. 
If you would clear up my concerns, perhaps we could reach a mutual agreement to avoid me facing a foreclosure like so many thousands before me.
This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. I have proof that I had insurance at the time of service. This company has been trying to destroy my name. I called XXXX XXXX they could not provide me any information on what bills this was for and they are showing a zero balance. I will be forced to turn this over to the attorney general and small claims court as I am tired of the harrasement. There are 3 different amounts {$190.00}, {$4.00}, {$130.00}.
Equifax is playing around with my XXXX XXXX XXXX mortgage account, with the payment history, and still did n't delete the account.
I graduated with my XXXX degree in XXXX. I had XXXX XXXX XXXX. I was told as long as I stayed in a non for profit, worked full time, and did an income based repayment plan, my loans would be forgiven in 10 years. Then in XXXX, I got notice that my loans consolidated to XXXX XXXX XXXX. What I wasn't told was that none of the time from XXXX XXXX that I paid my student loans would be counted for, for forgiveness. This makes me upset and I have spoken to numerous people from XXXX  that just say that all they can see is that the loan was consolidated in XXXX. They say I won't get any credit from when I worked in a non for profit and I don't think thats fair. It is definitely not ethical, nor should it be legal.
I have been struggling to pay my mortgage since my marital separation in XX/XX/XXXX. I have been trying to work with XXXX XXXX to save the home my XXXX daughters and I live in since that time. I have been working with a housing XXXX since XXXX and have applied for a loan modification. Every time I, or the housing counselor call, we get a different person that gives us different information. The housing counselor has been in the mortgage industry for 40 years, and says this is the worst company he 's ever dealt with.We were told twice that the loan modification pkg was complete ( most recent being XX/XX/XXXX). On XX/XX/XXXX, I recieved notice from XXXX XXXX that our home was sent to foreclosure that they have NO RECORD of us being in the modification process.XXXX XXXX gave me an option to make ONE full payment by XXXX to " slow the forclosure process down '', and when I called on XXXX to make the payment, they refused..demanding 3 payments. Every time we submit a document, they either misplace it or " do n't have it ''. We send it again, and they ASK FOR SOMETHING ELSE. They are rude, unorganized, unprofessional and confusing. I served 12 years in our military and have asked them repeatedly for help. Their most recent excuse are the natural disasters in California..I feel as though they are deliberately timing out the clock so that we lose our home.
On XX/XX/XXXX my lease account with XXXX XXXX in Puerto Rico was paid in full. On XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments onXX/XX/XXXXand XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX  with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with XXXX XXXX  was performed today,XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XXXX, but no correction was made.
We were foreclosed on by NationStar Mortgage last XX/XX/XXXX. We were denied our due process rights by them. We were in a loan modification process with them when I was told that we had been denied. NationStar told us not to make any payments during this time frame as it would only XXXX up the process and would take more time to complete. I called Take XXXX XXXX, a credit counseling company, that I had been working with and asked, " What do we do now? '' They said not to worry, the state of Arizona has a program for this scenario where they make up the past due amount and the loan resumes as if nothing had happened. We just needed something in writing from NationStar stating we had been denied. 

I continued to call them every week to check the status of our property and the notification of the denial and to see if a sale date had been set yet. I kept getting told that things were " On hold. '' In XX/XX/XXXX a woman came to our front door and said she was the new owner of our house. This came out of the blue with no notification at all. If we had received something in writing this would have all been averted. We never received a thing in writing from them. We were evicted!!! 

I am realtor and just found out about your agency in a continuing education class this past week. Please help us, ASAP!! We are now in a rental and our landlords are also mortgaged with NationStar, they are in an interest only loan and want to refinance it at current interest rates but are being denied that option. Our landlords have told us they need to have something setup by the end of XXXX to allow us to stay here. I was recently hospitalized for XXXX, XXXX and a XXXX. I was involved in a XXXX car crash on the freeway shortly thereafter and have been under the care of a XXXX for XXXX and XXXX. Any move in the future would simply kill both of us. I am XXXX and my wife is XXXX. 

We had owned the property in XXXX for 20 years. It was always kept in pristine condition and that is same way we are taking care of this home now.
I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX   WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX
This is a complaint regarding items I disputed that does not belong to me. I thought according to law all credit bureaus investigate items on your credit that you are disputing the same. However, comparing my credit reports it shows different results. XXXX removed XXXX items that did not belong to me. But Experian stated, verified. How could that be? It seems that Experian waits and holds on to the dispute for 30 days w/o properly verifying and then after 30 days just say, it was verified w/o actually verifying. The following items is not mine listed below. 

XXXX ( XXXX ) XXXX XXXX ( XXXX ) I have attached a copy of my XXXX report, stating these XXXX items has been deleted. I would like Experian to follow suit and delete these XXXX items.I have attached the copy of my XXXX report so you can see the proof. 

Also, I have a letter from XXXX on XXXX credit items that is reporting negatively on my credit report and XXXX informed the credit bureau to REMOVE the account and failed to do so. I have attached a letter for that as well. 

XXXX ( XXXX )
I just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The " Quick Pay '' option for Navient was incorrectly allocating my payment to the lower interest rate and not paying my higher interest loans- resulting in additional interest charges. 

Minimum payments have been calculated in order to achieve maximum financial gain from Navient- attempts to reach out to company via their website does not provide a feature to inquire about incorrectly allocated payments. 

In turn, hundreds of dollars have been paid to interest that should had been applied to the principal loan.
I submitted a dispute on all inquiries that were done as a result of identity theft. Equifax replied back on the investigation stating " Inquiries are a factual record of file access. " I am requesting that Equifax contact the companies to verify the information. I have sent requests to the companies prior to disputing and never received a response back from the companies.
Received a letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX regarding a debt collection. Sent XXXX XXXX XXXX XXXX a letter on XXXX/XXXX/XXXX requesting their Texas Surety Bond information and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/XXXX with account statements from the original creditor but failed to provide their Texas Surety Bond per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202. 

Regardless of the validation requirement not being met, XXXX XXXX XXXX has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.