WillisBack/dataset-financial-user-claim huggingface dataset:
Last year I started a modification with my mortgage company. In the approval my mortgage was brought by NationStar brought my mortgage. I my modification process I was told my payment would be about {$730.00} a month. Now it is up to {$1000.00} and changing monthly. My prinicipal amount, escrow ( they say is negative ) and other fees keep going up and I 'm no where close to the amount that I agreed to pay. I have called, complained and tried to get answers to no avail. They are saying they are paying for insurance when I pay my own insurance policy. And have submitted papers to them in the past to show this. When I call them they play the transfer to multiple line issue and soon they just disconnect you.
ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.
Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.
XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!
on XXXX/XXXX/2017 we made our payments on time my husbands payment processed and mine did not even though we made the payment on time the payment for my account did not process and was assessed a XXXX dollar late fee and tried talking to them explaining that we made the payment on XXXX /2017 and it did not process I truly believe there system was having issues that the payment did not process
after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now
My loan servicer has repeatedly billed my escrow account for lender placed insurance coverage of their own even though I have repeatedly sent them copies of our Condominium Association Master Policy via fax TO XXXX, and the website they provided for transmittal, ( XXXX, XXXX ) every time they have asked. I have fax transmittal receipts as well as confirmation from XXXX for the policies spanning the past few years. 
I believe this is just another mortgage servicer scam that they perpetrate upon individuals like me. They claim not to have received the required evidence and benefit from the placement of their own coverage through premium commissions or their own company-owned policies. Their premium charged to my escrow account is approximately {$620.00} for each year they have added the coverage in spite of being faxed or uploaded copies. If you multiply that amount times the thousands of mortgages they service and can proliferate the same scam upon those homeowners, it boggles the mind -- especially given that they do this year after year.
I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.
RE : Obligation owing to Citibank , N.A . / CITI MASTERCARD Judgement Case No. XXXX Account number ending in XXXX Current balance : {$3600.00} SETTLEMENT OFFER # 1 FOR {$2100.00} ACCEPTED AMOUNT PAID IN FULL ON XXXX/XXXX/2016 METHOD - CHECK BY PHONE On XXXX XXXX, 2016, I spoke with XXXX XXXX, a negotiator at XXXX XXXX XXXX XXXX, regarding this matter. I accepted the lump sum payment settlement offer of {$2100.00}, and paid the amount in full over the phone ( check number XXXX ). I have enclosed a copy of the statement which was sent by XXXX XXXX XXXX XXXX, selecting option 1 as instructed by the negotiator. I received a Locator confirmation number of payment in full, which is XXXX. 

I have fulfilled all requests made by XXXX XXXX XXXX XXXX. By doing so, I was informed that this judgement will be removed from my credit, and that I would receive a copy of a " Release of Judgment '' by way of mail. My credit is important to me. Paying my debt is equally important. 

As of today, a Satisfaction Release of Judgement letter has not been sent to me, the court system still show the judgment is unsettled, and all credit reporting agencies show that I still owe for this judgment. 

I am trying to do my part as a productive citizen. What good is it to pay my debts, if my credit is still in ruin? Please help me. 

Thank you.
I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.
I brought my home in XXXX XXXX through U.S. Bank Home Mortgage, a XXXX fixed mortgage of {$2900.00} per month. I lost my job in XXXX XXXX and was unemployed for the entire year of XXXX. I applied for loss mitigation with my mortgage company, in XXXX XXXX. Loss mitigation allowed me to temporarily stop making mortgage payments until I found a job. 

In the meantime, I applied for the NJ XXXX program in XXXX XXXX to qualify for a grant to help pay past due mortgage payments. As of XXXX XXXX, I received no final answer regarding approval or non approval of the grant. 

I was approved for loss mitigation from XXXX XXXX to XXXX XXXX. I found a new job in XXXX XXXX but the annual salary is 40 % less than my previous employer. 

Starting in XXXX XXXX, I participated in the bank 's loan modification XXXX trial period until XXXX XXXX. After I successfully made the trial payments of {$2800.00} per month from XXXX to XXXX, XXXX Bank offered me a loan modification agreement. The modification loan is now a XXXX fixed mortgage of {$2900.00} per month. I wrote a letter to U.S. Bank, dated XXXX XXXX, to express my disagreement with changing the loan from 30 years to 40 years. In a letter dated XXXX XXXX, XXXX, the Bank responded the standard modification guidelines require the loss mitigation underwriters to extend your loan term to 480 months at time of loss mitigation review. 

My questions are ( 1 ) is it legal for my mortgage company to change my loan from a XXXX fixed mortgage to a XXXX fixed mortgage? ( 2 ) I also want to know if U.S. Bank has been contacted by the NJ XXXX program and are they providing the program the necessary information to help me qualify for mortgage assistance?
Hello, Capital one has a business credit card opened under my business ein number and my social security number. The address on this closed account is incorrect and they also have 2 inquiries in my report. I requested for them to provide me a letter of deletion for the 2 inquiries with the wrong address and the closed account so i can show the 3 bureaus. They refused. I have called them multiple times to get this corrected and they have ignored my requests to delete this incorrect information from my credit report. I also contacted XXXX XXXX and XXXX and the only one that deleted the closed account was XXXX. This incorrect information is hurting my credit score. i ask that under the FCRA rights that i have as a consumer they delete the 2 incorrect inquiries and delete the negative history of the closed account.
XXXX sent a removal code in to Experian on XXXX XXXX, 2016 but they did not remove the collection item from my account.
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion XXXX, disputing inaccurate reporting of bankruptcy on my credit report. 
XXXX See attached letter ). 
The letter was signed by a representative of their company on XXXX/XXXX/XXXX. 
At the 30 day mark, which was on XXXX/XXXX/XXXX, I did not receive any correspondence, nor had any changes made to my credit report. 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, again regarding the inaccuracy of their reporting and notifying them of their violation of Federal Law, by not replying to my initial request in a timely manner. The letter was signed for by a representative of their company on XXXX/XXXX/XXXX. 
( See attached letter ). 
On XXXX/XXXX/XXXX, which is well over the the 30 days allowed to complete an investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), TransUnion XXXX sent a letter stating that the results of the investigation was " information updated. '' Again, NO changes were made to my credit report, i.e. ; removal of the inaccurate information or that there was a dispute note added to the listing on my credit report. 
On XXXX/XXXX/XXXX, I sent a letter to XXXX XXXX, a third party vendor reporting agency, disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion, XXXX, along with a letter from The United States Bankruptcy Court,  XXXX XXXX XXXX Pennsylvania, stating that they do not have any relationship, nor provide credit reporting agencies with any information. 
XXXX See attached letters XXXX. 
On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received letters from TransUnion XXXX, stating that the results of the investigation was " verified as accurate. '' On XXXX/XXXX/XXXX XXXX XXXX responded to my initial letter dated on XXXX/XXXX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
XXXX See attached letter ) I am filing this complaint today in order to have TransUnion XXXX, remove this inaccuracy from my credit report. 
They violated federal law by not responding to my initial complaint within 30 days, as well as ignored a letter from The United States Bankruptcy Court stating that they do not provide information to credit reporting agencies. 
The letter from XXXX XXXX CLEARLY states that bankruptcy information has been deleted from their records.
Seterus, Inc was my loan servicer. They have been paid in full as of Monday and are holding an overage of aproximately {$120000.00}. Seterus, Inc is still not reporting they paid in full status, continues to ask for a payment and claims the full payment is " pending '' and will not give a concise answer regarding the money due me. The home was destroyed due to a fire, I am a single parent, and can not rebuild without the insurance money they are not releasing.
I applied for a citi " gold '' checking account and enrolled in an offering for XXXX XXXX XXXX miles upon completion of terms. I confirmed via chat message that I was enrolled, that I had met the terms, and that I would be receiving the miles " after XXXX ''. I subsequently incurred monthly fees on the account waiting and when I inquired XXXX and XXXX I was told citi would not be honoring the XXXX miles as I was not " targeted '', despite having enrolled online and having confirmed it via customer service representatives online that I would receive the miles.
My 2015 vehicle was totaled when I was on vacation to visit my brother in Colorado in XX/XX/XXXX. My best friend came along with me and was the driver of my vehicle. The complicated insurance process took quite a while as it was my friend driving my car, so expectedly, its was complicated. I was forced to move out of my home in the XXXX because I no longer had a car and I work in XXXX and the commute was impossible without a vehicle. So I had to completely change my life as a XXXX year old kid and get an apartment so I could maintain my job. Well, having that responsibility made it impossible for me to make the remaining car payments during the insurance process. Making car payments continuously on a car that was a total loss just was n't practical after having to change my whole way of living. My credit score has dropped dramatically after I have worked so hard to build it up at such a young age. It 's very disheartening to experience this because I am so young and my credit is vital at this point in my life. I hope that there is something that can be worked out.
I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.
The lender which XXXX XXXX sold my account to Navient. Has been calling and leaving messages to someone who was not in my life at the time I was in school nor at the time when the loan was taken yet somehow now are calling this person and pretending to be a job source and stating that this person was given as a reference.
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I  received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
They only called during my working hours. Never left a voice mail message for me. 
They also never sent a letter to my home asking me to pay the debt owed. 
They admitted, on a recorded phone call, that they do n't leave voice mail messages and they do n't send letters. I found out about it through my XXXX account and I paid it immediately. It was {$180.00}. Had I known sooner it would have been taken care of then. They received my account in their office XX/XX/XXXX. I paid it XX/XX/XXXX.
My student loans were sold to Navient in XXXX and it doubled the amount of repayment. My XXXX loan had become XXXX which is too much to repay. Where I tried having repayments options and a few forbearance loans, the penalty and interest kept rising, thus causing my loans to be " un-repayable. '' This has affected my credit score mainly and is making it difficult for me to proceed with obtaining a home for my family and I. 

I have just made 10 years working in the public sector, making me eligible for loan-forgiveness. However, I do n't think that paying {$85000.00} on what was avg {$40000.00} loan is feasible. I would like any assistance that can be offered at this time.
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Equifaxs response is incomplete and insufficient as it fails to answer the threshold question : 1. Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
XXXX XXXX ( no longer employed ) opened an account with a {$400.00} credit to me after 90 days for achieving the minimum balance requirements. I met these requirements. Citibank did not hold up their end of the bargain and my money has been tied up for four months. When I called the branch manager XXXX XXXX he hung up on me. I have tried to call the district manager XXXX XXXX but have had no success. 
i have had similar problems with Citibank in the past. Reminds me of XXXX XXXX!
I did not provide all of the information to purchase a vehicle and somehow acquired a loan with a dealership. I have been contacting the XXXX XXXX and asked them to provide me with the information they have that was used to get me a vehicle loan when I had already had a open vehicle loan.
On XX/XX/XXXX I called XXXX to report a dispute with the balance on my ALLY Financial Account stating that the balance was incorrect by several thousand dollars. I submitted a dispute online as well on XX/XX/XXXX (  dispute ref # - XXXX ). I waited for this dispute to take place for several weeks.On XX/XX/XXXX I checked my account to make sure the issue was resolved as I started to apply for credit and was getting denied because my debt ratio was way over the limit. This issue got me upset and I checked to see what the problem was. I found out that XXXX duplicated my Ally Financial account using the same account number and all other information except added a different balance and now my installment Amount doubled from {$27000.00} to {$55000.00} SO, my credit score dropped drastically and now it looks like I am indebted with more vehicles and a duplicated balance. This infuriated me as now it has made me look as I have more debt than what I can handle which has cause a big burden on my credit and now it puts a stop to my life since I am trying to obtain credit to finish opening my business.I immediately called XXXX and brought this to their attention. Again, submitted another dispute by phone and online ( Ref # XXXX ) on XX/XX/XXXX I checked again and still, they have not removed the duplicated account. Again, I called but this time spoke to the Disputes Dept XXXX and explained to them the issue. They said to give them 5 days and they will fix the problem. Now, it 's been 4 months now and still, the issue has n't been resolved. I checked again on XX/XX/XXXX ( ref # XXXX ) and this time XXXX said these accounts were mine and I was responsible for the full balance and that they will not remove the second Ally account and that they had spoken to Ally and Ally said they are my accounts. Now, this is not true, as they lied to me.This is ridiculous! I now called Ally XX/XX/XXXX to see if they can help me with this problem and Ally said they sent them a letter saying I only have 1 account and gave them that info ( ref # XXXX ). I do n't know where to turn, I 've tried everything to get this issue fixed and XXXX will not cooperate. Please help me, this issue has put a STOP to my daily living as we use our credit for everything we do in life. It 's now 5 months and nothing has been resolved!
I had a charged off credit card from Chase. They sent me a XXXX, that I added to my 2012 tax return. Chase continues to show that I owe that money, even though, I claimed it as income. This is effecting me, in getting a VA loan, because they are scared Chase can put a lien on the loan.
I spoke with a Navient representative about paying back my student loans I told him that I was willing to make payments but the amount that I was told to pay back was way too high. I have XXXX children that I have to provide for. He then insisted that I had enough money to pay my loans back. After I told him repeatedly that I could not make the high payments he then told me that he was going to garnish my wages and get lawyers involved. I am willing to pay back my loans but I still have to take care of my family.