WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender.
I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
I owed a credit from Citibank. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, CBNA/citi bank still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually CBNA will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
My mother and I purchased a home together. My mom got sick and was XXXX. We fell behind on our mortgage. We have tried to save our home by trying to get trying to get a modification with no avail. When we first started trying to modify, XXXX XXXX XXXX had the Mortgage. I faxed all the forms and necessary documentation to them at least 15 to 20 times and was always told they did not receive the faxes I sent, even though I had the fax confirmation sheets. I finally took all my forms and documents to the XXXX XXXX XXXX Branch that I got the mortgage from and provided them with the fax # and they faxed it for me. ( XXXX-then said they received the fax. ) They were about to do a trial modification in " I believe XX/XX/XXXX " per a phone conversation I had with one of there Customer Service Representative at the XXXX phone #. About a week later, I received a letter from XXXX stating they will be putting my mortgage with a company called OCWEN. I called XXXX and OCWEN and was told that I will have to start the modification process all over again. ( I started the modification process in XX/XX/XXXX. ) I did just that and OCWEN also started off with saying they were not receiving my faxes. In the mean time to save my home, I had to file Bankruptcy, Chapter XXXX. I paid on the Bankruptcy for about 18 months in the about of over {$38000.00}. The bankruptcy court dismissed the case because I did n't make enough money to make the entire payment every month. The whole time the home was in Bankruptcy, I was still trying to get a modification and also XXXX Grant that was available XX/XX/XXXX to help people that were having trouble and facing forcelosre. I have actively tried constantly to get this situation resolved and have not been able to. OCWEN would say that I made to much money or not enough money to qualify and my income did not ever vary.
I consigned multiple loans with XXXX XXXX for my daughter starting in 2009. She has finally been XXXX and she works part time for minimum wage and is unable to find a full time job so I 'm paying. Navient is horrible to deal with. I get multiple bills every month and I do n't know at this point how much is owed for what loan. When it was will XXXX XXXX it was simpler my XXXX loan of XXXX was almost paid up but now Navient takes your money and applies it as they will even though debt companies say you should pay off asap. They have taken that choice from me. Furthermore I was paying some of the loans before they were due while my daughter was in school and all of that acceleration seems to be wiped out. I have asked them to mail me an accounting of all the loans over and over again but they route me to a website which is difficult for me. I feel as if I am being exploited for them to make as much money from me as possible instead of allowing me to pay off the smaller earlier loans earlier.
Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.
My mortgage company ( Mid-Island Mortgage ) did not give me the 6 % allowed sellers concession by the FHA guidelines. They only gave me about 3.5 % even though it was agreed that the seller would allow up to the allowable 6 %. I been after them for over a month asking as to why and they would not give me a clear answer. I had to speak to the branche VP and he said something was wrong and he 'll look into. Had a conference call between myself, my attn. and XXXX XXXX ( branch VP ) he stated my cash to close was incorrect and was suppose to be XXXX dollars, when I paid XXXX dollars and said he 'll find out what happen as well as why I was n't allowed the 6 %. That was the last I heard from him. He has not returned my calls or emails for the pass 2 weeks. I had to come out of pocket last minute at closing to pay for the remaining closing fees, which I should n't have if they gave me the 6 %.
I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation
I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.
Equifax was hacked. As a result, my personal information was divulged. This situation could potentially affect me and my family for the rest of our lives.
When I negotiated this payment with the collections company ( XXXX ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : AT T PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XX/XX/XXXX, Type : Collection Most Recent Adverse Rating - Date:XX/XX/XXXX, Type : Collection Prior Adverse Rating - Date:XX/XX/XXXX, Type : Collection XXXX XXXX XXXX
My wife, XXXX XXXX ( XXXX ) has a student loan account with Navient ( about $ 30K ) which was reported on my credit report ( XXXX ) as 150 days late as of XX/XX/XXXX. There was 1 missed payment ( XX/XX/XXXX payed XX/XX/XXXX along with XX/XX/XXXX payment. XX/XX/XXXX. Here is my wifes letter : they agreed wityh account status - did not mention it was reported under mu SS # " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  Dear Administrator : Today I spoke with XXXX  counselor, XXXX ID # XXXX, re : a 120 day nonpayment report sent in to Credit companies including XXXX.

XXXX at XXXX researched my school loan information and denied XXXX   sending such report ; saying that my account is paid up as of today. There was 1 late payment from XXXX, but there has never been a 120 day period of no payments.

This message from XXXX  resulted in my credit score dropping below 600. The XXXX counselor, XXXX, instructed me to write this letter to give all credit reporting companies permission to look into this error.

My Student loan information is the following : Acct # XXXX   Name on account : XXXX XXXX Loan IDs : XXXX   XXXX XXXX  I give you permission to look into this false report against my credit record sent in by XXXX. You may reach me at ( XXXX  ) XXXX or XXXX if you have any questions.

I will be monitoring your progress and look forward to getting this issue resolved. '' Thanks
I have reached out to the company with certified letters requesting proof of amounts owed. Prove the amount reporting is correct and the company will not send me anything back.
I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.
I paid my XXXX Credit card balance off around XX/XX/2017. I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call XXXX and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.
My loan servicer : XXXX XXXX XXXX is denying my rights under the Servicememeber Civil Relief Act. They refuse to decrease the percentage of my loan to 6 %
There is information on my credit report that says I worked at XXXX. I never worked for them. My ex husband did.
About mid-XXXX a door to door salesman came and offered bug-spraying services for out home. He said he would get us a great rate at {$10.00} for the first service and {$25.00} per service for the rest of the year. We agreed and got a charge for {$10.00} to start on XX/XX/2018. Then, a month later on XX/XX/2018 I got a charge for {$89.00}. Since this was well over the {$25.00} promised amount, I immediately disputed the amount above {$25.00} with my credit card company. That dispute was lost and I had to pay, so we refused further payments and services. Now we are getting a bill for {$200.00} which seems exorbitant to me, and very different from the product we purchased. We had 3 total services, so our total paid should have been {$10.00} + {$25.00} + {$25.00} for a total of {$60.00}. I'm not sure where the {$200.00} bill came from, as per our understanding we have paid over the agreed amount already for services received.
I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!
In XXXX, I consolidated all my loans with Navient and was approved for the ibr with XXXX dollar payments for one year.. After, currently reviewing a copy of all XXXX credit reports I saw XXXX open accounts. I immediately contacted all of the original loan holders and I was told the loans belonged to Navient and any additional reporting was done by Navient.. I recently contacted Navient in XXXX and sent all the appropriate documents and a copy of my credit reports.. I never heard anything from Navient..I spoke with another Supervisor on XXXX/XXXX/2017 and I was told to furnish the documents and they would correct the reports which should show a Credit score increase. I also, spoke with Navient in XXXX about my loan currently rising on my credit reports, she said it was from the interest. I was advised to pay on the interest.. I immediately made the payment but when I received my report in XXXX the payment did n't reflect the balance and it had risen by XXXX ... I also asked about other options as far as how to get the loans payments to reflect on my reports and I was told that they would immediately. I also asked about my loans been forgiven since I own a non-profit business which is a service. The rep told me that they were not going to grant me any type of loan forgiveness and I was lucky to be have granted the ibr ... I have read the complaints against Navient buying, harassing consumers and negatively reporting inaccuracies on consumer reports. The information that was explained to me was n't the results that I am /expecting working with a company.. I could have chosen any agency to handle my loans but I chose Navient..I thought I made the best decision but per the news Navient is a fraudulent company who chooses to make it hard for consumers to become debt free.
Our new mortgage loan on our new house was transferred to Stearns for servicing right after closing. We closely watched all correspondence to ensure that we sent the first mortgage payment to the correct address, as we have been homeowners for 15 years and have never been late or missed a payment. We sent in our first payment and soon after received a call from Stearns stating our payment had not been received. The payment was not late at the time, it was a courtesy call, and as such we made a payment over the phone with the representative. We were advised to cancel the other check payment through our bank, which we did. Stearns then charged us a {$40.00} " NSF '' fee for the check that was cancelled. We called to complain to Stearns about this and the representative stated that they would waive the fee as a new customer courtesy. We just received our next month statement, and the " NSF '' fee is still on our statement. It is listed as having been paid, but is should have been credited on our statement. We feel the payment address error is owned by the new servicer, and we feel that they should honor their verbal agreement to refund the fee as a courtesy to us.
On XXXX-XXXX-18 made purchase at best buy of XXXX. 6 mo no interest if got their card. they sent card, went online set up my account. on XXXX-XXXX-18 i made a payment of XXXX. It said my due date was XXXX-XXXX-18. Paid the payment before due date. On XXXX-XXXX-18 i went online to pay the balance and they had assessed a XXXX late fee. they told me I paid the account too eatly. My Statement dated XXXX-XXXX-18 said my balabce was XXXX, my due date was XXXX-XXXX-18, I paid XXXX on XXXX-XXXX-18 so made no sense. after dealinf with a chat person who said they would waivee the fee, they did not. if i wanted to pay off my account i had to pay thier fee. several time they tols me wold waive fee but did not. i was forces to pay the extra XXXX and paid off the account on XXXX-XXXX-18. statement is attached which documents everything how can they charge me a XXXX late fee when they show i paid XXXX before the due date. attached is the XXXX-XXXX-18 statement - shows next due date XXXX-XXXX-18 and XXXX balance. it shows payment made on XXXX-XXXX-18 ( before the XXXX-XXXX-18 due date and the payment i was forced to pay to pay off the account where they force me to pay this bogus and erroneous fee. I have demanded the acct be closed and a refund of the fee- they seem to feel the fee is valid stating i paid it too early?? but thier statement shows different
Select Portfolio Servicing is my mortgage servicer and I have requested a 3-month forbearance on my mortgage. I live in the state of Florida and my area in XXXX County is under a Major Disaster Declaration that was declared on XX/XX/2017. The mortgage company sent me an approval for a forbearance however, they are requesting a balloon payment in the amount of {$5800.00}. I truly feel as if the bank is setting me up for failure. 

My family and I had to evacuate our home and when we returned we were without power for a total of 9 days. I did sustain damage to my roof and contacted my insurance company and because they are so behind in claims my adjuster has not come to my home as of yet. I lost all of my food in my fridge and freezer. When the power came back on I had to pay an electrician because some of the power did not come on in other areas of my house. My family and I could not remain in the home while the power was out as temperatures reached between 85 and 90 degrees.