WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.
I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.
I do n't have any documents waiting on a paper stating that I have XXXX balance in the mail the bank said it should receive it within 5-7 business days
From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.
Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.
I am still waiting for a response from Ocwen. Case # XXXX. My first letter was XX/XX/2016. Ocwen responded with nothing more than a copy of my modification. That was n't what I asked for. I sent a follow up letter XX/XX/2016 and have not heard anything. I want an accounting of the numbers used in my modification and if Ocwen is not hiding anything, why wo n't they provide it. I work for XXXX Mortgage and the numbers I am referring to are in the modification waterfall. I provided them in my original letter. Further, when you apply for and are approved for a modification, is the Lender supposed to provide the numbers prior to your acceptance?? They did not. What about the Reg. Z and Reg. X with regard to modifications. Also, I was told the modification was a fixed loan and turns out it is an adjustable. Does the lender not have to provide that information when they are doing a modification? Please respond and have Ocwen provide the calculations used in the modification. 
Thank you, XXXX
XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX   XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. 


Thank You
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.
I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report on my credit report.
My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.
Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).
To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.
Banks keep telling me that XXXX  is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.
Account Name : : NCC BUSINESS SVCS INC,XXXX ... I have a judgement on my account for ( eviction ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/XXXX ( 3years 5 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which this one have not. I am requesting this one judgement be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX.
To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about  Ally  Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world.     I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not  Ally Bank  's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of  Ally  Bank.     I would like to humbly negotiate  one  of the following with  Ally.  I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.
The company made a payment to my account without my authorization. On XX/XX/16 a payment was posted on my account i didn't authorize for {$200.00}.
I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).
XXXX currently claims to be a servicer of a loan in my name on behalf of Wells Fargo. I have already received a letter from Wells Fargo that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - TransUnion will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item. 

This is damaging my credit rating.
I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.
XXXX XXXX XXXX  was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to Selene Finance LP. Selene Finance LP is reporting the account as delinquent to credit agencies, XXXX, XXXX and XXXX.
My problems began XX/XX/XXXX, when my spouse and I began separation which led to a divorce, in addition to the divorce then I have been unemployed on and off from XX/XX/XXXX through XX/XX/XXXX. I also have taken my mother in with XXXX XXXX XXXX XXXX to assist in her rehabilitation and getting her into remission. 

I took employment positions to fulfill my responsibilities, but they were either not stable or enough wages to cover my expenses. It was barely enough the last 18 months to keep food on the table for my XXXX children and mother, utilities, etc. 

In addition to the financial hardship ( severe decrease in income, illness and divorce ). I went to a recommended financial management company ( XXXX XXXX ) that was supposed to help in the assistance of applying for a home loan modification. I was charged {$2400.00} for the service which he failed to complete or give proper notification regarding paperwork, etc. During that time, I was trying to re-coupe my funds since he did not fulfill my request. 

To date, I have not seen any information from him, except to apply again and to send additional last payment for the service. I choose not to for the reasons of being scammed and that I learned you should not trust anyone charging for this service. 

Since then, I did my own research to find out how to resolve this matter on my own. I found an organization called the Fair Housing agency and made an appointment in XX/XX/XXXX to meet with a counselor to assist with what my options where at this time I was told about the HUD programs/grants. 

I filed my application XX/XX/XXXX way before the 37 days deadline and was assigned a counselor from XXXX XXXX ( XXXX XXXX ). This person never contacted or returned any of my attempts to schedule the appointment to submit the follow up requirements/paperwork. This then brought me to the point of escalation to the state of NJ. In return I was able to contact someone from the State of NJ XXXX XXXX. She not only reassigned my application to a new counselor but also a new agency NJ XXXX XXXX. 

Due to the XXXX XXXX not handling my urgent matter timely this is another reason why I am so close to the sale date and need to have it postponed until the remainder of the grant process is completed. I met all the criterias and with great hopes will be approved for the XXXX   grant from the State of NJ. 

As of Friday 's mail, XX/XX/XXXX, I received a denial letter letter from SLS regarding the RMA. This letter is stating I am denied due to the less then 37 days till the date of foreclosure. Please note I will be asking for the adjournment on XX/XX/XXXX ( which will be more then 37 days until the new sale date ). 

Today XX/XX/XXXX, I sent another email requesting an adjournment and RMA. 

XXXX XXXX