WillisBack/dataset-financial-user-claim huggingface dataset:
I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.
They keep calling saying PNC BANK regarding XXXX  app approved. Ask to call back XXXX XXXX to verify. I called back and asked them to stop calling and remove me I didb't apply for a loan. They keep calling.
Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.
loan was with Bank of America the modification was a temporary fix mod was interest only from 2 % to 4.75 % now with deferred balance
I have filed several disputes for XXXX XXXX XXXX. I have filled out an Identify Theft Affidavit package and filed a police report as well. XXXX XXXX XXXX continues to " verify '' the debt since it matches my name and SSN. I have had the address associated with this account removed from my credit report since it is fraud. XXXX verifies the account because it was associated with my information. I need the information deleted from my credit report. 
Also, XXXX has not responded to any of my correspondences and I have disputed this account with the credit reporting agencies as well. XXXX has been in violation of the following sections of the Fair Credit Reporting Act. 

supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 
notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute notify every CRA involved that you dispute the debt provide you with a reasonable procedure ( including an address ) to submit a written dispute or report of identity theft, or inform you of the results of its investigation within 5 business days after it completes the investigation. 
Please assist me in getting this removed. I have attached my letters to XXXX and the Credit Reporting Agencies, My fraud packet, and police report. I have also attached the address which was deleted from my credit report due to fraud where XXXX is verifying the address.
Equifax is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
My Experian credit file has been repeatedly unlocked since the first of XXXX. I have repeatedly contacted idnotify-experian and my former credit monitoring service through Experian. All to no avail. Yet again this morning the credit file was unlocked. 

XXXX XXXX XXXX ssn last four XXXX phone XXXX
We are filing a complaint on our Loan Number XXXX based on the fact that we were given a trial modification in which we started sending payments on time. Without any reasons -after ASC received their 3rd payment- we were told by ASC that we were not longer part of this approved given trial period. 

This trial period, granted by ASC, was suddenly withdrawn, despite payments having been timely made, resulting in foreclosure. 

We asked ASC for an explanation and we were told that it was an internal decision and was confidential to ASC. 

Thereafter ; we hire lawyers to represent our case for a loan modification. In the processes thru several years, we submitted different loan modifications providing information based on different incomes. 

Regardless of how much income we were making ; we were always given an excuse and or a reason by ASC that we would not qualify -whether- it was because we were making too much money or we were not making enough money or that our income was too high and or too low. Never, we were ever able to please ASC with our income. 

Actually, on one of the loan modification programs, our lawyers found mistakes and errors in which they sent a notice of error pursuant to XXXX CFR sec. XXXX of regulation X of the Mortgage Servicing Act. 

Our laywer mentioned that the " error '' in this specific situation stems from a violation of XXXX CFR sec. XXXX ( XXXX ). 

Pursuant to XXXX CFR sec. XXXX ( XXXX ), an " Error ' within Section XXXX includes the failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure. 

Our Lawyer found out that many contradicting statements indicate a grossly negligent review of our modification package. 

Actually, in one of the laon modification process, a member of ACS admited wrongdoing and failing to do a good job in our case. 
ASC wrote " I apologize for the confusion as I could have done a better job explaining the use of the XXXX separate figures '' In addition, ASC mentioned that they are currently working with their customer or bank but we have not heard from ASC since this last response of failing to do a good job. 

In the process of all of these -many submitted loans modification- our arrears incremented tremendously. 
It feels as if ASC set up us to fail. ( Not acting in good faith ). 

If ASC would have not removed us from the original trial period given to us in the year of 2010, we would have never been so late on arrears -to that end- ASC is directly responsible for these arrears putting our family into financial distress due to their wrong doing. 

We believe that we have not been given a fair treatment to our case and we are looking forward for our case to be reviewed carefully to find a fair solution.
I have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
I played off the account early and they expected me to keep making payments. I brought this to their attention once and they said it would be fixed but was not the next time I was turned in to the CREDIT bureau for not making payments on a loan that was paid off
I reviewed my account around XXXX 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from XXXX, XXXX, XXXX, XXXX, XXXX ( which appeared twice ), XXXX, XXXX be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.
XXXX 's client XXXX XXXX is an identity theft victim. He was notified that someone used his information without his consent to apply for credit cards. Those application resulted in inquiries on his credit reports that the credit was notified were fraudulent related. A formal dispute of the application and inquires made was submitted to DSNB/Bloomingdale 's however there has been no response from DSNB concerning correcting this issue.
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
Equifax is reporting a debt as having a balance of {$1500.00}. This account was paid in full as of XXXX XXXX, 2016.
Discover violated their arbitration clause. Discover put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  on behalf of Discover Bank filed a claim in Small Claims Court against me for approximately {$3500.00}.  XXXX   XXXX   XXXX  hired local attorneys  XXXX  and  XXXX  to represent Discover Bank.      XX/XX/XXXX , I filed  a Motion to compel Arbitration.       XX/XX/XXXX , t he Court Ruled. Ru ling states, Arbitration filed with   XXXX   ( #  XXXX   ) ;  Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XX/XX/XXXX ,  Counsel for Discover fi les a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on  XX/XX/XXXX .     On or about  XX/XX/XXXX , I received a letter from  XXXX    XXXX    XXXX   c/o Discover st ating their client may be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''  XX/XX/XXXX ,  XXXX  closed the case. Case terminated because Discover failed to pay and participate in Arbitration.      XX/XX/XXXX , a  Motion for Joint Stipulation for  Substitution  of Counsel wa s filed.  XXXX   XXXX   XXXX  was no longer representing Discover and  XXXX   XXXX   XXXX .     Year Later,  XX/XX/XXXX ,  XXXX   XXXX   XXXX  files a motion to return case to active docket.    XXXX   XXXX   XXXX  KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.    XXXX  states, As of  XX/XX/XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  Arbitration Forum (   XXXX   ).      THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   Th e Plaintiff ( Respondent ) who is Discover fai led to pay case management fee.  XXXX  sent the counsel for Discover several letters requesting payment but they failed to respond.      XX/XX/XXXX , Court dismisses case without prejudice. Judge writes the following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.      XX/XX/XXXX ,  XXXX   XXXX   XXXX   c/o Discover file s a motion to vacate dismissal to refile a new arbitration case since the first one cant be re-opened.      XXXX   XXXX   XXXX   c/o Discover fail ed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.
Equifax has received written notice, including signed Bank Notarized Affidavits to Never add a Fraud Alert, however, Equifax keeps adding Fraud alerts intentionally stating I requested a fraud alert which is a Blatant lie. Equifax blatantly Break the XXXX daily without Any repercussions from the Federal government! Requested on XX/XX/XXXX, and now XX/XX/2017 a security freeze waiving the {$XXXX} fee by submitting a police report and they are giving me the Run around that they have n't recieved the documentation. XXXX and XXXX received the same documentation and added a freeze immediately. I want the CFPB to keep this case open until this matter is stated resolved. Equifax keeps stating they automatically add XXXX alerts even though they have the attached letter requesting to Never add any Fraud alerts to my account without my consent otherwise they are violating the federal law. Additionally they need to sent a complete copy of my credit report by mail. To make sure my information is correct.
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. 
Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. 
I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. 
I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. 
I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. 
To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. 


XXXX XXXX
When I log into my Ally Bank account, it used to always send me a one-time login code to my email address. I always check 'this is a public computer ' so they will always require the code, as I sometimes have guests and would rather not have reason to suspect a guest if somebody hacks into my account. I also occasionally access my account from the public library. Recently, the last few times I 've logged in, it has NOT sent me a one-time login code to my email address, thereby increasing the chance that a guest, or somebody at the library, could hack into my account. I have contacted Ally several times, asking that they re-set my default login to requiring the one-time login code for my security. " do not EVER allow anyone including me to access my account without sending a confirmation email to my XXXXXXXXXXXX email address. I am on a public computer and will hold Ally responsible if there is any misuse of my account. This is the second time I am contacting Ally about this. If it happens again I will file a complaint with the CFPB. '' They responded that " we can not comply with this email verification process ''. Which is XXXX. Ally has previously required such email verification, and other online banks require it. There is no reason that Ally - an exclusively online bank, which should be at the forefront of internet security - can not do this ; they 've been requiring an emailed one-time verification code for as long as I 've been a customer there except for the past month or XXXX. Please encourage Ally to be more proactive in internet security and more responsive to customer needs by requiring such a code to be entered when I log in. Thank you.
When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.