WillisBack/dataset-financial-user-claim huggingface dataset:
Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.
On X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law
I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.
Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.
The mortgage service company has been doing my annual escrow analysis incorrectly for the past two years ( XX/XX/XXXX and XX/XX/XXXX ). They do the analysis in XX/XX/XXXX, a month before my county and city taxes are posted on my county 's website. As a result, their numbers ( and dates ) are incorrect, leading to incorrect shortages, which translate to higher monthly payments. XX/XX/XXXX, it took several months to resolve this. It is now happening again XX/XX/XXXX. I received my escrow analysis dated XX/XX/XXXX and have been trying to resolve for over two months now, and it is still not correct. I have provided copies of both my county and city taxes with correct amounts and due dates, and I have still not received a printed revised escrow analysis to prove that they have made the changes and correctly recomputed my escrow payments. As a result, the incorrect monthly amount was due XX/XX/XXXX ( today is XX/XX/XXXX ), and I was forced to make a payment to avoid late charges although the issue has not been resolved. For the past month, I have been working exclusively with XXXX XXXX, a customer service rep, who is trying to help resolve this. He informed me ( for the first time ), that I could also request that the shortage be spread over 24 months instead of 12, so I submitted a request to have that done as part of the escrow re-analysis. I am still waiting for both of these changes to be incorporated into a revised escrow analysis, in writing, that proves they are using the correct tax amounts and the correct due dates. This is the most challenging mortgage servicing company I have ever dealt with ( I have owned XXXX properties serviced by multiple companies in the past 20 years ), and I do n't have time to go through this every year as I have for these past two years. Please help!
I requested numerous time to Navy Federal Credit Union for a modification, refinance or short sale of my home from XX/XX/XXXX through XX/XX/XXXX and believe deceptive debt- collection practices I lost my home and ruined my credit.
This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.
My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead. 

After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year. 

I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it. 

I will be happy to provide copies of letters from SunTrust or any other information upon request.
I 've been trying to submit at economic hardship deferment since XX/XX/XXXX and have sent them via email my paperwork including pay stubs. I gey a receipt that they 've received it but when I call they have no record of it. I 've also usually made my payments using my debit visa ans apparently that 's changed because 2 payments ( with interest added of course ) were rejected and I was told over the phone I have to use my routing and account numbers. XXXX is an awful customer service rep. She set up a second deferment/forbearance request but could n't or did n't access my pay stubs and now my loan is in default. If there 's a way to consolidate my XXXX loans into XXXX with another company I 'd be willing to pay a higher interest rate because ACS is a TERRIBLE company to deal with and their people either do n't care or are n't trained well or both.
this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!
On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX
I was notified of a collection against my account with XXXX. This account has been closed for XXXX months.
Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account
I began a loan modification with Citi Mortgage XX/XX/XXXX. I was assigned a " personal point of contact '', XXXX XXXX. He initially informed me that he would be my sole point of contact and would be touching base with me to update the process every week. This did not happen. On multiple occasions I was asked to send documents that I had previously sent. After complying with 2nd and 3rd requests, my loan fell out of underwriting and went on to XXXX ( the attorney office handling foreclosures for Citi ). After multiple attempts to question the status of my loan, I continued to receive emails requesting, again, documents that had either already been sent, or new documents. Now my loan is scheduled to be sold on XX/XX/XXXX. I have attempted to contact supervisors, etc., to no avail. This entire situation has caused XXXX, sickness, and issues with my children, of which XXXX of my children have XXXX and XXXX. This is just a nutshell, but it appears that a consent order has been entered into Federal Court to protect against this EXACT issue and issues with the incompetence of Citi Mortgage. I feel that I have complied to the T will every request of Citi Mortgage and now am receiving no answers as to what is going on with my loan. I never received an NOII letter ( Notice of Incomplete Information. I was initially told that even if the loan modification was denied, there would be an appeal process. I was NEVER told that the loan was kicked out of underwriting due to anything, much less because a document that I had already sent months ago, was the reason. Furthermore, there was ZERO correspondence, either by mail, email, or phone call, that it had moved into foreclosure. Imagine my astonishment. Again, this all has literally made me XXXX sick! I will attach all pertinent documentation.
I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.
Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my credit report.
On XX/XX/2017 I received a hard inquiry from XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX  XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )
My name is XXXX XXXX XXXX XXXX. I have a mortgage that is serviced with Lakeview Loan Servicing LLC ( XXXX XXXX XXXX ). My loan number is XXXX. On XX/XX/2018. I sent my first mortgage payment to this company. I sent two Money Orders ( enclosed ). One for {$1000.00} dollars and the second one for {$920.00}. They were both sent in the same envelope and received by a person that signed under XXXX XXXX XXXX XXXX on XX/XX/2018, at XXXX XXXX 

The following Monday, I called them inquiring why they had not posted my payments. After a week or so only the Money Order for {$1000.00} dollars was posted as a payment, and when I called asking for the other one ( {$920.00} ), they responded that they were investigating this matter. I did not hesitate and went directly to USPS to inquire if the Money Orders had been cashed and by whom. 

On XX/XX/2018, USPS sent me a letter were they enclosed a copy of the cashed money order by XXXX XXXX XXXX in the amount of {$920.00}, that they could not track. They scanned the money order, front and back and in the money order it says that it was credited to a Loan #  XXXX. This is NOT my loan number. I have been calling and left on square XXXX every time, as they say they are investigating and that they will call me. Over a month has gone by and now I am going to be late in my second payment, because I just want to send the difference, but they will not allow me to pay it online. I have never been subject to such negligence over a payment I have made on time. I am now seeking your help as this company has not done so diligently even when I have been calling them almost daily about my case. I have a ticket open with them : XXXX. Last time I called, ( XX/XX/2018 ) an associate supervisor named XXXX, promised she had checked all attached documents, copies from USPS where they money order appears as cashed and copies of the money orders sent, and that she would keep my on the loop on my case. I am still waiting. I feel they are taking advantage of me because they can and it is not fair. I have enclosed documents for your review. 

Looking forward to your prompt help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX
I need the loan payment lowered to better suit my financial situation. I'm a single mom with a XXXX year old daughter I'm providing for on the salary of a XXXX position. My rent is {$700.00} per month and I also am providing food for my entire household. I make between XXXX and XXXX weekly. My insurance on my vehicle is close to XXXX  monthly. When you factor in my $ XXXX   monthly car payment which I took on when my financial situation was better off I'm having to choose between transportation, food for my family, and a roof over my family 's head. I need the payment lowered to something more manageable even if it means drawing the loan out longer. Something closer to {$250.00} would be more manageable for my financial situation. I do plan to attend school and am looking for permanent employment but these things take time.
Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.
I attempted to file this complaint with my student loan servicer ( see below ). I received an emailed response " an application is being mailed to you. '' I completed an IDR application online. I emailed my tax return to FLS the next day. I spoke to XXXX at FLS who said this was received. On the IDR application the Department of Education listed FLS as my loan servicer, one name one address. 

I am requesting to file a formal complaint. First, I spoke to your agency and I was never advised about the income based repayment plans when I was having trouble paying my loans. I received no assistance from AES or FLS other than forbearance and then being told my forbearance time is up. Second, your agency is refusing to process my XXXX application. I contacted both FLS and AES and notified them my application was submitted online and my tax documentation was emailed to FLS and I received confirmation on the phone and via email, the tax documentation was received. 

I understand you use two separate names, but you are the same agency. Your AES representative lied and said you were a completely separate company and not in the same building or associated, which is untrue. I am requesting, again, that you ( FLS and AES ) process my XXXX application accordingly as you have the completed application and my income documentation. 

There is a serious problem when a student loan servicer deliberately makes this process hard for borrowers because of your lack of communication and unwillingness to take a few extra minutes to assist your customers. Instead your 'escalated ' representatives attempt to make me duplicate efforts by faxing income documentation that you already have. And I emailed the tax return initially after trying to fax all day, to a constant busy signal. Your ever so helpful representative then suggested 'just keep trying, ' until I asked questions about alternatives and was given an incorrect email address. I called back again to get the correct email address.
I 've paid off XXXX accounts and upon paying both these debts off they agreed to remove both items remain on my credit. Accounts were with XXXX credit card and XXXX.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX  XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXXXXXX ( Equifax : XXXX ).
The debt collector Santander Consumer originally opened the debt collection on XX/XX/XXXX for  the amount of {$12000.00}. I don't recall being contacted by Santander in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.
XXXX XXXX sold my mortgage to Selene finance. When I got my first statement from Selene finance, {$4000.00} was added to the balance.
I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.