WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, ( Navient ) told me on the phone that we qualified for a reduced interest repayment of 0.01 %. I 've been making monthly payments of {$140.00} for almost 2 yrs but my principal balance continues to go up. They have promised to send me details of the program in writing on several occasions but never did. I just found out on a blog site that you have to renew every year or your loan reverts to the original interest rate. They never told me that! My original loan was {$36000.00}. After paying anywhere from {$100.00} to {$600.00} per month for 10 years, my balance is now {$56000.00}. I 'm trying to work with them but I ca n't believe anything they promise over the phone. 
XXXX XXXX Co-signer XXXX XXXX XXXX school 2007 graduate
My information was compromised in the Equifax data breach. I did not authorize sharing my personal credit information. Equifax was irresponsible in its security.
You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.
I am behind on my mortage and currently in the process of a cash sale of the home. On XX/XX/XXXX I found that the mortage company loandepot had sent XXXX XXXX XXXX XXXX to my house. They removed my realators lock box removed a door knob and changed the locks to my house. I am only 3 payments behind and a foreclosure has not been started. They also filed a claim to my homeowners insurance without my permission. They trasspassed onto my property and forced entry into my residence without permission. I called XXXX XXXX XXXX on XX/XX/XXXX and was only able to leave a message. XXXX XXXX XXXX called back on XX/XX/XXXX and said the mortage company had the take pictures, change the locks and do some repairs. I told them they had no permission to enter my property and they just said call your mortage company and hung up on me. I called my mortage company on XX/XX/XXXX and advised them they did not have permission to lock me out of my house or instruct someone to force entry into my house or property. They said they would try to have someone contact me with the lock box code and also gave me a code to try. I advised my realator of the infomation.
On XXXX XXXX, 2016 XXXX XXXX XXXX, XXXX, submitted a loan modification application to Citi Mortgage on behalf of XXXX XXXX XXXX. We received a missing document letter from attorney XXXX XXXX, of XXXX XXXX, attorney 's for Citi Mortgage, dated XXXX/XXXX/16 and another XXXX on XXXX/XXXX/16. Each time we immediately submitted the documents requested to bank 's attorney. 
On XXXX/XXXX/16 an email from attorney XXXX XXXX stated that the loss mit review had been completed and the file had been sent to underwriting. It sated that it would take another 2 weeks to complete underwriting review. 
No new update past 2 week review period. 
On XXXX/XXXX/16 a new email was received from attorney XXXX XXXX, which stated that the review was not yet complete. 
Then on XXXX/XXXX/16 a new email from attorney XXXX stated that she would follow up with her client for an update. 
It has been forty seven ( 47 ) days since the file was sent to underwriting and we still have not gotten a decision on the loan modification.
I am refering to case number XXXX XXXX. The case was reviewed by the Mortage company and declined to offer a posible solution to avoid foreclosure. I disputed the response on XXXX/XXXX/15 with no other response.
A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
On XXXX XXXX XXXX, 2015 I made an online money transfer through the Western Union website. The MTCN tracking number is XXXX. The receipt for this this transaction ( as well as the webpage ) stated, and I quote, that the funds will be " available in receiver 's country XXXX XXXX, 2015 ( may be available sooner ). '' Additionally, the bank and account I used to have the monies debited from informed me that the money was withdrawn and sent to WU on Tuesday XXXX XXXX. On XXXX XXXX XXXX, my bank informed me that WU had the money and even provided me with a " trace number '' to provide to WU that the funds were distributed to them. The issue I now have with Western Union is that they are not scheduled to clear the funds to the recipient in the receiver 's country unit Monday XXXX XXXX at XXXX, one week after the original transfer was made, and two business days past when the receipt they provided me promised the funds to arrive.
I have had a reduction in Income over the past seven years and have fallen 23 months behind on my equity line of Credit with Bank of America. I expect to earn XXXX XXXX by XX/XX/XXXX and would be able to pay the 23 months of overdue payments to Bank of America and have requested they postpone the foreclose to avoid any additional legal fees and expense being added to the reinstatement amount. So far they have refused to place the foreclosure on hold. I spoke with the law firm and they have not filed with XXXX County Supreme Court as of todays date XXXX/XXXX/2015.
In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place.
U.S Postal Certified Mail No : XXXX, MN XXXXFORMALLY KNOWN AS : XXXX, SD XXXX : ExperianXXXX XXXX. TX XXXX. GA XXXX P A XXXXXXXX,2015RE : XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER.
On XXXX XXXX, 2015, I, an XXXX year old resident of XXXX XXXX was a victim of a telephone scam in which I was cheated {$1300.00}, which money I forwarded by XXXX, XXXX, XXXX to the XXXX XXXX, reference # XXXXThe call was by a so-called- XXXX of XXXX which prompted me to send the money was that a great nephew of mine was involved in a traffic accident in XXXX XXXX Ga, and neededthe money for bail. Instructions were given precisely go to the XXXX .XXXX and send the money within XXXX hours. I was shocked an confused and wentimmediately to XXXX XXXX and gave the clerk the money. No questions wereasked by the clerk, or questions asked about the money going out of the country. I havesince contacted the XXXX Attorney Generals XXXX to report the scam, and am awaitingtheir reply.
Chase amazon offered a promo of spend {$150.00} on prime day ( XXXX/XXXX/16 ) and get {$30.00} off your purchase. When i went to checkout the promo code ( XXXX ) indicated the code had expired. I contacted chase and they indicated that amazon had given them notice that they have done enough promotions for the day and would not be doing any more. They indicated this was listed in the terms and conditions as " while supplies last. '' I indicated this is extremely deceptive as while supplies last indicates goods or services and not a count of promotions that would be offered. They would not honor the promotion and I was not able to make the purchase in time due to the code being expired.
Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files.
Flagstar Bank is my current mortgage servicing company and they are showing me as having made late payment during XX/XX/XXXX and XX/XX/2016. I have received a letter from Flagstar Bank research department in which they state this was a mistake on there part. I would like Flagstar to resolve this issue ASAP and report my payment history to reflect as current and no late payments. 

Thank You.
I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX  : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with XXXX XXXX XXXX that has provided hundreds of thousands of dollars in restitution for consumers across the state.
I paid the settlement amount and they promised to delete it but it still remains on my credit reports as opened
My complaint is about how Rushcard decided to close my account without my knowledge and tried to keep my money. Rush card accounts department decided to close my account but they did not tell me. In addition, they allowed my payroll check to go into this closed account. Then, Rushcard 's customer service refused to give my money back to me for 4 days. I kept calling and calling yet they decided to gaslight me at every turn. Every customer service person decided to lied to me and felt like that my money belonged to them. Particularly, sales associate XXXX who lied to me and told me that she did not want to give back my money. Also, her supervisor XXXX who yelled and tried to cussed me out. After all of this, Rushcard gave me back my money.
on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.
My husband had filed for bankruptcy back in  XXXX  of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around  2,200 doll ars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
XX/XX/2017 XXXX XXXX XXXX , XXXX deleted this collection off my report because they could not verify this debt in the amount of {$2300.00}. A few months later a collection company by the name of Diversified Consultants INC added the same collection back on my credit report. I was not notified of the debt so I was unable to dispute the debt before hand. I do not have a signed contract nor any contract with Diversified Consultants INC. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with Diversified Consultants INC.
Creditor is reporting accounts that are invalid and unverified.XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX XXXX   XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my Experion,  XXXX, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER
Since XX/XX/XXXX I have trying to correct the information on my report. Equifax refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information. 

They are continuing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?
Below is an email I just sent to Freedom Mortgage. My loan number is XXXX. I just received a letter from Freedom Mortgage that said my monthly payment is increasing from {$1100.00} to {$1400.00} in XX/XX/XXXX. The reason my mortgage payment is going up is these idiots believe that my city taxes for XXXX are going to be {$5200.00} ( {$2400.00} in XX/XX/XXXX, and {$2700.00} in XXXX XXXX ). I just spoke with the treasury office in XXXX, and my property taxes for XXXX are {$2900.00} and paid in XXXX XXXX only. Nothing is due in XXXX XXXX. I have a copy of my tax bill for XXXX and forwarded it to Freedom Mortgage. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX Hi, Please see attached city tax bill from the city of XXXX, Michigan. My XXXX XXXX escrow payment is increasing from {$400.00} to {$600.00}. This is increasing my monthly payment from {$1100.00} to {$1300.00}. 

From the Escrow Account Disclosure Statement, freedom mortgage is going to pay city taxes to XXXX on XXXX XXXX in the amount of {$2400.00} and in XXXX XXXX in the amount of {$2700.00} for a combined amount of {$5200.00} This is incorrect. My city taxes for XXXX for XXXX are {$2900.00}. Freedom Mortgage is overcharging my escrow tax account by {$2200.00}! 

This has been the second time Freedom Mortgage has been incorrect with tax information. First, my XXXX taxes were not paid until XXXX XXXX, and they were due in XXXX XXXX. 

This better be solved within the next week. I am filing a complaint with the Consumers Financial Protection Bureau. This is gross negligence. 

Thank you, XXXX XXXX