WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to order a copy of my Promissory Note several times ( XX/XX/XXXX and XX/XX/XXXX ) via fax on behalf of my clients. Prior to the faxed requests, I asked them to verbally in XX/XX/XXXX to provide  a copy. I am working with XXXX XXXX XXXX in XXXX, NC to get assistance with the Hardest Hit Program Fund. They have not responded to the requests and it has been over 30 days since my initial request. 

I would like for them to cancel the Forced Place Coverage Homeowners Insurance and replace it with my policy that they with XXXX XXXX XXXX XXXX.
We went through HAMP with XXXX XXXX XXXX in 2010. PMI premiums were instated on our mortgage that is approximately 58 % of our home mortage price and value. I have tried repeatedly to find out why we are being charged such an exhorbinate amount of money monthly for an insurance premium. We have been paying this for the past 10 years to the tune of XXXX. It is a tremendous burden to make this gouging payment. I believe that XXXX XXXX XXXX made an error when the modification was processed and instead of listing the private mortgage insurance premium annually for {$630.00} they inserted the premium to be paid monthly at {$630.00}.
On XX/XX/XXXX, we sold our house. At that time, we had XXXX XXXX XXXX/XXXX  service. I called to let them know we needed to cancel because we sold our house and was moving to a temporarily residence with family/friends for about 2-3 months. XXXX advised to send all the equipment back, which I did in XX/XX/XXXX via XXXX drop off. They would suspend our account until we moved to our permanent residence. On XX/XX/XXXX, we moved to our permanent. However, we moved into lofts/apartments and our only choices for cable are XXXX XXXX XXXX XXXX or XXXX because the residence does not allow XXXX installation. I decided to go with XXXX XXXX XXXX XXXX and when I called them in XX/XX/XXXX to set up service, I let them know that my XXXX account was suspended, but I needed to cancel since we are installing XXXX XXXX XXXX XXXX. Everything was going fine and then, I started receiving bills from XXXX account number XXXX in XX/XX/XXXX. I explained my situation that we no longer lived at our previous address and said we know have XXXX at our new residence and we no longer lived at our previous address, but my explanation went unheard. I continued to receive bills from XXXX in XX/XX/XXXX, XX/XX/XXXX and finally in XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX and explained my situation for which seemed 100th time and that agent apologized for my frustration. Agent said, I shouldn't have to go through all this and would make it right. I have heard that before, so I was not too optimistic. But, on XX/XX/XXXX, I received a series of emails from XXXX to confirm my account has been updated with a credits of {$11.00}, {$210.00}, {$22.00}, and {$4.00}. In addition, I received an email from XXXX informing me that regrettably my XXXX XXXX was disconnected. How could it be disconnected when I had sent the equipment back in XX/XX/XXXX and didn't have the service since then? And then, I received a statement from XXXX dated XX/XX/XXXX, I received a bill from XXXX for {$57.00} to please pay. No explanation of why I was being billed only to please pay upon receipt. I received the billing statement on XX/XX/XXXX, and I immediately called XXXX at XXXX XXXX CST and spoke with an agent and said it showed a XXXX balance. So then, on Monday XX/XX/XXXX, I received a collections call from Diversified Consulted Inc. that I owed {$59.00} to XXXX. XXXX has reared its ugly head, I stopped the agent and told them to DO NOT CALL because it has been a nightmare to say the least and went on to say the account was cancelled and now have XXXX XXXX XXXX XXXX and to not call be about this ever again. I called XXXX XXXX XXXX XXXX and here I go again, I explained what happened and was beyond fuming for this going on for a year. Come to find out XXXX is charging for cancelling fee. REALLY? I am still with XXXX XXXX XXXX, why am I getting charged this fee. Please help me and make this right because this people are causing me anxiety and stress for something I shouldn't be paying.
I am very upset as I had a lease with Toyota Motor Credit, made all payments on time and the account was always in good standings with my payments. Went to trade in the car and buy a car from Toyota, was told if I owed anything remaining on the lease it would be tacked on to the new loan. I purchased another car from Toyota left again my account is in good standings currently. Months later pulled my credit and now the good paid off account reflects I owe {$450.00} I called and I was told I went over my miles. I was informed I do not owe anything and now things changed. I am lost for words and what horrible business practices. Now I have a collection on the account I made my payments on time. This is NOT FAIR at all! Please help me CFPB
Me and my wife bought our home in XXXX XXXX. My wife was laid off from Caliber Home Loans on XXXX/XXXX/XXXX. Caliber Home Loans cause a lot of problems for her after they laid her off. She had a problem with getting my payroll check which is to help pay the mortgage. So we fell behind. At the time I was only delinquent for XXXX XXXX. So I called in XXXX XXXX and tried to get a XXXX XXXX. I started sending in the paperwork they requested to obtain the loan modification. After I would send the paperwork, I would call and the Caliber Home Loans rep would say it takes 5 days to review the documents. So I would call back after 5 days and the Caliber Home Loans rep would say some documents was missing. I did this Over and Over and Over again with Caliber Home Loans Person of Contact, which was different people every time. At that time, my house was not in foreclosure. But due to Caliber Home Loans giving me the runaround, my house is now foreclosure. Countless of times, I receive letters in the mail dated the same date asking for different documents. See attached documents showing that. Now my wife has a job and all we want is to keep our home and get a loan modification to get back on track. Caliber Home Loans claims to be recording all conversions so please ask them for the recorded conversions my wife had with countless Caliber Home Loans reps.
My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer
On XXXX XXXX, XXXX I received a letter from a collections agency who said that I owe {$710.00} to an apartment complex they said I did not give a XXXX notice but only a XXXX that I left trash and did not feel my nail holes I have sent the collection agency and the lawyer that is now has the account all the information that I did what I said I did and they say I have not given them proof. They have put it on my credit and no one will rent to me and I will have to move and possibly live in my car.
Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  XXXX   XXXX .
This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.
On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''
Mortgage Loan Number : XXXX  XXXX Case Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX FL XXXX. I was a victim of Hurricane Maria and live in XXXX County Florida which was declared a disaster zone. I missed work due to the storm and received a letter from Caliber Home loans regarding payment assistance options. I opted to take advantage of this program due to the loss I suffered in income and damages from the storm. It is my hope that someone can assist me to remedy the awful situation that has ensued.

On XX/XX/XXXX I received a letter which is attached that unequivocally states that I was approved for a Forbearance Plan without any further information or documentation needed from you ( me ). As ofXX/XX/XXXXI have been notified that the Forbearance plan aforementioned was actually not approved and my loan is now delinquent and could be foreclosed. This attached letter was misleading and deceptive and has caused me great distress in my life. I am currently XXXX  and the stress and anxiety associated with your incompetence in handling this matter is causing me great personal grief.

In addition, I am divorced from the co-borrower XXXX XXXX and have been awarded the home in the divorce. This is recorded on public record. No information from him will be given to the lender.

I have reluctantly filled out paperwork for modification. Please help.
North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am  XXXX   XXXX   XXXX  and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake.   Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago.   Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money.   My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised.   I have a copy of the check. I believe they are making false checks with someone else 's information on them.   The name and address on the check is from an older gentlemen that lives in  XXXX . I believe he has no idea what these guys are doing.   The check bounced abo  ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls.
I am concerned they are scamming people all over. They must be   stopped.   Any help or assistance you can give would be greatly appreciated.   Thank you for your time.
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXXk- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.
Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.
Issues Incorrect Age of Credit reported on credit reports Late Payments remain on my Credit report that were suppose to be removed in Dismissal/Settlement of my educational loans due to TPD ( have the credit bureaus check their facts which they have incorrect. 
Hard Inquiries should have minimal effect due to performing within 30-40 day period should only count as one inquiry. 
Incorrect Credit Limit Total that I hold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================= Total {$9000.00}, and {$9500.00} if you contact XXXX I hold an additional credit line of {$500.00} through them. All accounts are in great standing and I have never been late with any accounts within the previous 2 years. Though the Credit bur are reporting still monthly late payments. That is clearly incorrect. 
The XXXX creditor that states Written Off, was not as it was Paid in Full, and I provided the credit bureaus with the Paid in Full letter and they refused to change the incorrect data in the above issues, also proof from the bank where the payments came from were provided. 

Upon the settling and clearing of my Federal & Student Loans ( though an issue still remains on my Credit Reports in regards to student loans ) All interest, Late payments, etc WAS APPROVED to be removed in both matters of the Federal loans and the Private Student loans. I here again provided information to the Credit Bur 's and they refuse to ammend and correct the issue ( s ) This is unacceptable, especially after we hear and see that a Credit Bureau knew of the US largest hack in XXXX and opted to not tell anyone until XXXX. That is awful, and that bureau should be removed of course. Almost 5months without reporting the incident ARE YOU SERIOUS? Someone there maybe the CEO should be arrested, as I seen about two officials recently quit. So you have that AND they can not seem to manage people 's credit report/score appropriately. I am XXXX myself, and very independent but I rely on the fact that as of the last year or so I have had GOOD credit, and these incorrections are making unfair, and cruel to not properly disclose my credit information properly let alone securely for XXXX sake. 

I can not afford XXXX XXXX, though I would if I could. I would like the complaints above investigated and actions taken appropriately to rectify the failures that occurred, and still occur to this day. 

Documents/attachments are available upon your request.
This company started calling me and not answering when I would pick up. I called them back and they said it was about a debt from XXXX. In XX/XX/2017 I was fraudulently put on an XXXX account. It is not mine and not my debt. I have been cleared by XXXX and have confirmed that with the company numerous times. My name and phone might be on it but my SSN is not and I confirmed that with XXXX   and Convergent USA over the phone. I need my info removed from that debt and your system. This isnt my debt.
I checked my XXXX account to monitor my Credit and noticed a Hard Inquiry reported to Equifax on XXXX XXXX 2016 from a lender called XXXX under XXXX XXXX XXXX XXXX. I have not applied for any cards or authorised any Hard Inquiries since XXXX 2016. Please help me get this removed.
I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.
Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the Appeal request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.
I submitted a dispute with Experian of incorrect information on my credit report regarding a bankruptcy. Experian initiated an investigation that resulted in Experian reporting that the US Bankruptcy Court of XXXX verified the information as accurate. I have reached out to the US Bankruptcy Court of XXXX and have written proof that the US Bankruptcy Court of XXXX does NOT verify bankruptcy information with credit bureaus ( please see attached email ). This leads me to believe that Experian really DID NOT verify ANY of this incorrect information and told me ( the consumer ) untrue and inaccurate information regarding this dispute. Per the National Consumer Assistance Plan ( NCAP ), effective XX/XX/2017 : Public record data must have your name, address, and either your Social Security number or your date of birth AND The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.
My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! 
I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.