WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I was diagnosed with XXXX XXXX XXXX XXXX, I had to have surgury and do XXXX XXXX XXXX. I had obviously gone on XXXX in XXXX. I applied for the loan modification at that time knowing I would lose a lot of income I got ahead, I was already falling behind on my mortgage due to a lot of appointments. I sent in all my paperwork to them in a timely manner, to be exact they got everything they needed within 3 days, since then it 's always been a fight of sending them a paycheck with a year to date income which thru ups XXXX thru teamsters they do n't do that, they just send me a XXXX check weekly. They have my last paychecks stubs from XXXX, and all my XXXX stubs sent in, add them up and they can get a year to date as far as I see it. I ca n't give them a year to date paycheck, but two weeks ago I got paid out for a vacation week cause we sign up for them in XXXX, and it gave me a year to date on it. But it was not good enough for them because it said vacation. WhAt difference does it make. I ca n't help what is happening, all I know is I have been doing exactly was I 'm told and they just wo n't give me an answer, always told I need a year to date stub, short term does not do that. He said he has it noted .i just want to save my home.
i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. 

I only have access to limited information, because this is NOT my account. 

reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.
XX/XX/XXXX I took a mortgage with XXXX XXXX who had LoanCare processing the payments. Then, XXXX 's XXXX sold my mortgage to LoanCare. I have had nothing but problems with LoanCare. They have never been able to process my payments in a timely fashion. Or, they misplace my payments or my payment just happens to be sitting on someone 's desk. When they do process my payment on time.They always are calling on the XXXX of the month to tell me I am late. They never post the payments on my statements when they finally do process the payments on time. For example ; I had my XXXX XXXX payment posted on XXXX XXXX per what the phone stated and when the check went through my checking account. But, on my statement on XXXX XXXX, XXXX it does n't show that I paid. The due date states XXXX XXXX, XXXX and it is even double the amount. Every time I call they take forever to answer and when do the people are rude, they hang up on you, and do n't have a clue on what they are talking about. They tell me I need to send my payment to another address. This has been has been the issue every single month that I have paid my mortgage. They are also using several different names other then LoanCare. I think that someone needs to go in and shut them down our show how to process payments. Their staff is horrible. I will be actively looking for a new place to pay my mortgage. I truly believe this company if frauding the system and keeps switching names so you guys do n't go after them. I was just on the hold for over a hour and still know on answered. I had to call back. They are telling me my payment is late even when I mailed it on XXXX XXXX, XXXX and they have n't received it yet. My credit is being ruined by them. Please shut this company down!
On XXXX XXXX, I submitted a cheque drawn on a XXXX bank to JP Morgan Chase for payment. I was paid {$820.00}. On XXXX XXXX, Chase recouped {$890.00} from my account ( plus another {$8.00} fee ) saying the XXXX bank had refused the cheque. 
After many phone calls, on XXXX XXXX, I submitted to Chase evidence that the XXXX bank had honored the cheque. I sent this by fax and by email. 
Today when I talked to Chase, there was nothing on their file and he could not help me.
I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.
In XXXX 2015, my annual Income Based Repayment ( IBR ) recertification application was submitted/received by Fedloan Servicing, with a due date of XXXX 2015. Despite submitting my application, 2 weeks prior to the due date I began receiving emails stating that my application had not been received. After receiving each email, I called Fedloan ( on XXXX occasions ), to inquire about the status of my application and about the purpose of the email notifications. Each call, I was advised that my application was in fact " complete '' but just had n't been updated in the system. However, the day after the deadline, I was notified that my application was missing my husband 's signature and therefore was considered incomplete. I faxed my husband 's signature page that same day but, since at that point it was a day passed the due date, my interest was capitalized and {$11000.00} was consequently tagged onto my student loan balance. 

I submitted a written appeal, accepting my oversight, but also explaining that, prior to the due date, I was advised by XXXX representatives that my application was complete. Therefore, I had been misinformed at a point when there was still ample time for me to correct the error. I also explained that my husband had recently been XXXX and, around the time of submitting my application, we were informed that his XXXX was not working and therefore his life expectancy was less XXXX. I had forgotten to do many things during that time ( including obtaining my husband 's signature on my IBR application ), distracted by the possibility of losing my husband and the father of my XXXX small children. With my appeal, I submitted copies of my husband 's medical records, to verify his XXXX, and to justify my oversight. Apparently, that was not enough - it was not even enough to warrant a written response from Fedloan ; I ended following up several weeks later and was advised by a manager/representative over the phone that, " I 'm sorry about your husband but we are unable to reverse any of the {$11000.00} interest since your husband 's signature was not submitted before the due date. '' The manager attempted to console me by saying " it does n't matter, because you qualify for loan forgiveness, so you will not end up paying the entire balance anyway. '' For the record, I have XXXX more years XXXX before my loans can be forgiven. 

Sadly, I do n't think it was a coincidence that, despite the number of times I called to check my application status, I was not advised until XXXX day after the due that my application was missing my husband 's signature and therefore considered past due. And, considering the circumstances ( i.e. my XXXX ), this seems complete careless and insensitive on the part of Fedloan Servicing.
My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.
On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it
Hi - I am  a New Yorker and  a  30 plus year Citibank client - also a private banking client and now CitiGold Account - my account is in good standing.    I am traveling in  XXXX  and was asked to use a PIN with the   Citibank Mastercard - something I never do in the US - because I remember my PIN in letters and the key pad here is only in numbers - I Transliterated the number wrong - and then went to bank and entered a wrong number the account was blocked.
Citibank has established my identity a variety of ways and satisfied I am the card holder.
But to my astonishment I am now stranded with no money because Citibank will not unlock the account and will not allow me to create a new PIN to access my account - Apparently they just block you from your own account - and your own money.
They are completely unable to problem solve and the first 4 representatives i spoke to to - just gave me inaccurate information!
Here are the employee numbers - Plus I am traveling child - Please help!
The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY
On XX/XX/XXXX, I was unable to transfer American express membership rewards to an authorized user. A customer representative told me that it was because my account has been under review. She also added that the review could take 6-8 weeks. I am really frustrated by this response. Hope that the accompany will resolve this problem as soon as possible.
Collections and charged off accounts are not mine. Please delete it. This is clearly an identity theft. And until now these records is still showing on my credit report. 

1. Balance : XXXX date opened : XX/XX/XXXX 2. balance XXXX date opened : XX/XX/XXXX 3. balance : XXXX date opened : XX/XX/XXXX 4
I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.
Despite four mail certified written requests to TransUnion credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of TransUnion investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? TransUnion has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, TransUnion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.
I borrowed from formally XXXX XXXX now Navient a private student plus loan for {$14000.00} with a XXXX % interest rate in XXXX and graduated in XXXX. Immediately upon completion of school, I began payments. My loan amount when I graduated was at {$23000.00}. I have made on time payments since and my amount owed never really changed but by a few hundred dollars until recently when Navient gave me a {$600.00} credit. The institution marked it as an error on principal payment corrected. However, I find it hard to believe and harder to understand their ledger. I have called and complained multiple times to them since XXXX until present day and asked for their representative to explain and look at the account. They never could explain it and would usually just give me some type of an account credit to shut me up for the time being. I have been paying for XXXX years and I still owe {$20000.00}, and yes, I have been making normal principal and interest payments the whole time. I have thought about hiring an attorney, but I have been so busy trying to make it after college that it has been on my back burner, until now. Recently, I was made aware of the lawsuit against former XXXX XXXX now Navient about this same bad service and robbery. I wanted to start my process to get justice and the credit I deserve for years of payment I have been making and still making.
On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as Peroutka & Peroutka Law Office. When I called the law firm, I was told that they were collecting a debt owned by XXXX  XXXX XXXX for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to XXXX  XXXX XXXX, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to XXXX XXXX XXXXXXXX and I spoke with a bank officer who searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the XXXX   XXXX XXXX. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist me.
I received an updated credit report today XX/XX/18 from XXXX now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.
My credit score as of XXXX 2016 was XXXX. Today I find out it is XXXX. I am in the process of purchasing a home and this is causing a serious problem ( the low score disqualifies me from securing a construction loan ). I see that XXXX XXXX XXXX XXXX keeps submitting the car charge off ( I co-signed for XXXX of my children ). I need this adverse charge to REMAIN OFF my record. They have the car, WHAT ELSE do they want?
When I moved to XXXX XX/XX/2011 I lived for tree months in XXXX with friends after that I moved to XXXX but after the I start receiving call from a collection agency asking me to pay my bill to XXXX XXXX I told them i do n't have account with no body I still new in the XXXX I never have a Appartement under my name yet but they put it in my credit and now when I Learned a little about credit I dispute it but the credit bureaux they keep report it, I ca n't pay a bill not mine please make investigation I need help because this is what 's happened
Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.
I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX
I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.
In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1900.00}. My balance remaining is still somewhere around {$700.00}. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I submitted a complaint previously and no resolution was reached.
I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.
I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.
PHH Mortgage stopped our automatic payment without notifying us. They also transferred the servicing of our mortgage without notifying us. On the phone they claim XXXX XXXX XXXX sent a joint notification. We never received it. I explained that a company I have no dealings with sending a letter claiming rights to my mortgage payment does not positively prove transfer of service. I requested PHH send a new letter. They refused and told me I had to ask XXXX for the letter. I 'm left with no paper trail positively identifying who we should be paying. We have paid two months of mortgage out of fear. XXXX has sent repeated delinquency notices and information about Foreclosure. Even certified letters. We have been harassed and threatened by this new company. They are happy to send us a letter claiming they have a right to our mortgage payment. But that does not prove they have a right. I must have a letter solely from PHH clearly stating who the services are being transferred to and when. Our dealings with PHH began when XXXX used them for servicing our mortgage. I never chose to deal with PHH or XXXX.