WillisBack/dataset-financial-user-claim huggingface dataset:
I was dealing with a loan officer thru Prospect Mortgage. My loan officer left in the middle of loan process to go to another mortgage company. We had the inspections and appraisal completed. We were waiting on the sellers engineer report and either my work transfer paperwork or a job proposal letter. Once the engineers report came back XX/XX/XXXX, I was told that I had until XXXX XXXX to get either transfer paperwork or job proposal letter. The new loan officer called the sellers agent and told her he was denying my loan because I did not have either transfer or job proposal letter on XXXX XXXX or XXXX. He then calls me and gets all XXXX with me and informs me that he had a responsibility to sellers agent to let them know that I did not have what I needed so he was going to deny the loan. I begged him not to yet as I did not think it was being fair that he had given me until XXXX XXXX to produce one. I had a good possibility at that time on a job offer but did n't want to mislead anyone. He was aware though that I had had a few phone interviews and I was hoping to have an off before XXXX XXXX. Come to find out while he was threatening me to call the sellers agent, he had already called her prior to talking to me and she had relisted the home, they got another offer on it and accepted it. They never cancelled the contract in which I had with them. I immediately called my agent. I did in fact get a job proposal letter by Monday XXXX XXXX, 2016 I had the job offer and sent it immediately to the loan officer. He said it was too late and that he was denying my loan. That was totally wrong since he had specifically given me until XXXX XXXX to get the info to him! He and my agent had a conversation concerning the fact that I was never given a denial letter, nor did I get a cancellation notice from the sellers agent. When she asked him if he was giving me a denial letter he did not respond.
This is a XXXX bill of which I have XXXX for the past 15 years. My insurance pays each year. The code used for this XXXX was incorrect according to my insurance. I informed the lab to change the code - they can also call my primary doctor if they need additional information. I have not heard from them for quite some time, so i thought it was resolved. Last month I got a call from a collection agency.
Nationstar Mortgage consistently reports my mortgage as not received. I contacted them 6 months and disputed it thru the 3 major credit reporting companies. Nationstar fixed the problem for approximately 3 months and has stopped reporting my mortgage as being paid. This has dramatically impacted my credit score.
In Complaint XXXX and XXXX, Chase Card services can not produce a copy of a signed original contract for Chase Card XXXX along with the original terms and agreement. The account should be deleted since they can not fully validate the account. Chase Card XXXX according to Chase was an Internet contract, where are the original terms and agreement and the e-signature. where are the histories of the accounts and when they were sold and assumed by other companies along with the term and conditions, credit card agreements?
When my X husband and I married we got this cute postcard encouraging us to consolidate our student loans together since we are married now. Lower payment made sense. Never thought we would get divorced. We did. There is no way to separate the loan. Even just down the middle. My X and I are connected by this loan for the rest of our lives. He does not care about his credit or what he owes. Also, he does not care about mine either. I can not afford to pay this on my owe. He is responsible for the full Loan as per our Divorce agreement signed by a Judge. However, XXXX XXXX ( Navient ) does not recognize that and does not care. I am not trying NOT to pay back my loan. BUT I do n't understand how they can have a program that combines married couples loans but no program for couple divorcing when the divorce rate is about 50 % in this country. ALSO. They have no account representatives. So every time you call you have to explain the situation over and over. It 's a wild goose cash. Also, the customer service people are not in America. They are hard to understand. I been disconnected more times then I can count. This company is the Devil. We are not elgible for our rates to be Lowered ..becasue it 's not Federal anymore. But we they are able to tarnish my credit affecting everything I do. I 'm a single parent and I owe my home. I work XXXX jobs. They do not care about repayment. THEY want you to build up the interest. They encourage deferment.
XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. 

After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.
My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.
I had an apartment back in 2013, after that I had XXXX more apartments and after attempting to move, my new apt . complex stated that I had a previous debt. I did not know about this debt and I contacted the apt . complex I had in 2013, that same day I paid my debt with them since the leasing office stated that I needed to pay them. Then my new apt . complex proceeded to tell me that I needed to pay National Credit Systems, so I called and I faxed the invoice that my old apt complex gave me. NCS stated that it would take 3 business days to process and send me the letter stating that I paid. I call and call to verify about the fax and they never answer, on the meantime I cant move in to my new apartment because they need the letter from them. I left a voicemail and I have n't gotten any reply, they never contacted me about this debt before and it suddenly came up.
Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points
I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX  twice explicitly without my consent.
This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.
My XXXX credit card was charged {$810.00} on XX/XX/XXXX, two transactions of {$400.00} each. The charge was through Western Union, and I did not make this transaction and did not authorize use of my card for this transaction. Neither XXXXXXXX XXXX nor Western Union will give me my money back. Again, I never authorized the use of my card for this transaction. Western Union charged my card without my authorization. I have no idea who they gave the money too, none, and they won't give me the money back to me. They stole {$810.00} dollars from me and I'm getting it back.
I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.
My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. Thank you
Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card
I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.
XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/2015 I received a call from Citi Card advising that I was late on a payment. Having just reviewed my end-of-the-month bills, there was n't one from Citi Card. She looked at my account and saw that I always receive the statements electronically and pay on time for any balance. I asked her what email address was it sent to and she said " XXXXXXXXXXXX? ( example, only ) I told her, that is NOT my email and gave her the correct one. I asked why through XX/XX/XXXX all the statements arrived problem-free and she said someone had re-keyed it in incorrectly. She said that she would fix it and I told her I 'd be happy to pay the bill. 
This morning, I went to pay the bill, but noticed a {$25.00} late fee. I called Customer Service and advised them of the issue from last evening. Since it was not my error as I had not received any bill from them whatsoever, that I would be happy to pay my full balance, but please remove the late fee. She said she would submit it, but I should not expect it to be approved. It was not. 
My payment record with the XXXX companies who cards are managed by Citi Card proves my good standing as a customer with prompt payments. Since this error was not one I made and it occurred through a mistake of Citi Card, I should have that {$25.00} refunded to me. Imagine the hundreds of thousands of dollars they make on these trumped-up charges.
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/2018, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX Ref # XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/2018 to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF.
I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.
Received a call on my cell phone today at XXXX am looking for my husband. We have not received any notification of this debt from the collection agency or my rights to dispute the debt. They demanded payment within the first 30 days I would assume since I have received nothing from them. I told them I disputed it and the collector states " ok so you are disputing the debt? '' I answered yes. He said " okay '' and hung up. Since that call I have received 3 more calls as of XXXX about the debt. I asked them to cease and desist from calling my number. They put me on hold, transferred me to someone else. I asked the new person to not call my cell phone again, she asked if I knew XXXX. I said yes and to not contact me again. I explained to her that she had already violated FDCPA and she spoke over me I have no idea what she said she talked so fast and hung up on me. 
I will be hiring an attorney for FDCPA violation for not sending me notice of my rights to dispute and demanding money in the first 30 days of them receiving the file. I will also have attorney file TCPA violation for calling my cell phone repeatly and not ceasing and desisting as I instructed when the cell phone they called is mine and mine alone and is in my name alone.
I sent a rescission in to Select Portfolio Servicing on XXXX/XXXX/2015, they acknowledged the rescission ( XXXX/XXXX/2015 ) and I would like them to comply with the rescission requirements. 
They did not file any action within 20 days of receipt of the rescission.
Hello, My lender ( Freedom Mortgage ) has raised my monthly payment amount {$450.00} due to they are stating my yearly property taxes are {$9300.00} and my yearly property taxes are only {$4600.00} ( my property taxes are impounded ). I want them to adjust my yearly property taxes and adjust my mortgage payment. I have submitted my tax statements and an online print out from the Tax Collector to my Lender several times and they are refusing to make correction.
In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.
We started a refinance process earlier XXXX with Citizens Bank in XXXX, PA. Prior to engaging with them, we were warned by another lender that Citizens is known for conservative appraisal values. We ultimately went with Citizens, paid {$500.00} for an appraisal, and the resulting value was {$5000.00} less than our neighbor 's home - which is identical to ours. Not only did the appraisal take way too long to create ( XXXX weeks! ) the appraiser intentionally left off high-valued homes in our neighborhood and included a low-ball appraisal from a community XXXX miles away. We challenged the accuracy of the appraisal, and provided additional comps from our neighborhood. The appraiser rejected all of the comps we provided for various reasons but did not make any attempt to adjust for our home value including these comps. Citizens bank hid behind reform laws and now we are stuck with what we believe to be an inaccurate appraisal, have lost XXXX months of time going back-and-forth with the bank & appraisal company. 

I believe that Citizens ' bank is using appraisers that devalue properties so that people will have to borrow more money than the bank otherwise wants to lend, and as a consumer we have no choice but to use their appraiser! 

With the internet today, we have the ability to read reviews on restaurants, contractors, mechanics, dog walkers, stores, and anytime that we are paying money for goods or services. In this case, we had an appraisal selected for us XXXX and they were awful to work with! ) and we have no say in the matter.
To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
Mortgage company Seterus has not reported my mortgage payments to any of the credit agencies. XXXX XXXX XXXX sold the loan to Seterus XX/XX/XXXX right in the middle of me refinancing and I have not been able to refinance because Seterus has not reported anything to the credit bureaus.
I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.