WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018, My wife and I came across an acreage we fell in love with. With the conditions of the home and past financial difficulties in our past, we knew this was a long shot to aquire. With some research and talking with my realitor she pointed us in what we thought was the right direction. We contacted the mortgage company that could help us with an FHA 203k loan. This was around XX/XX/XXXX. The process moved along pretty smooth. With a few hiccups with contractors and insurance through half of XX/XX/XXXX. With our sites set on closing XX/XX/XXXX we had no idea how far off that dream was. XX/XX/XXXX loan was dissolved and started over the beginning of XX/XX/XXXX. With no closing date in site I was put back in the blender. More documentation, bank statements, pay stubs, Drivers licence, proof of fund 's, update my job title, question my pay stubs and why I make so much more money than last year? Did I go to school, was I educated or did I have special training? My ChXXXX comes back up, I've sent discharge documents on this months ago. I start wondering why they keep digging into stuff? Why We aren't moving forward? Now its XX/XX/XXXX, Appraisal finally gets done. They or someone wants mold remediation plan wrote up. Issues with the foundation arise. Ask for rental history verification again after 3 month. Start digging into my credit and private student loans. Making my contractor change his bid on several occasions. Starting to feel hopeless at this point. Its now XX/XX/XXXX. Wasted weeks if not months of repair time. Still feeling lucky to have contractors on board at this point. Closing? I'm thinking XX/XX/XXXX.  XXXX XXXX contractors business not registered with the state comes up after 4 months. XX/XX/XXXX stuck on mold and foundation issues. XX/XX/XXXX want paint and mold added to the contractor bid. At this point I'm furious, ready to walk away from my dream. XX/XX/XXXX XXXX sign Closing Disclosure Documents for a closing date of XX/XX/XXXX. XX/XX/XXXX XXXX? Discrepency in some figures? Sorry not closing today. Please help! I feel like I'm being set up for failure. Non of this has felt right.
We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. 
But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. 
Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.
5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.
I have tried several times with XXXX and transunion to dispute a company called XXXX XXXX on my credit that says the account was opened XXXX-16 and now it's also reporting on my credit as XXXX XXXX XXXX. This is not my account nor have I ever heard of it. I did hire a credit repair Company, XXXX XXXX and this was taken off my report a few years ago and as I have been checking my credit the past 3 months this has appeared again. Transunion and XXXX can not verify this and will not take this off my Credit.
Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.
I was a Bank of America / FIA Cardholder customer and signed up for paperless statements, sometime during 2015. At that time, Bank of America / FIA committed that they would keep statements on-line for up to 7 years, and that I could retrieve all statements by logging into their website. They have sold the credit card portfolio to another servicer ( XXXX XXXX XXXX ), and none of my prior statements are available. 

This creates all sorts of record keeping problems for me as a cardholder, business owner, and taxpayer.
This account was originally XXXX XXXX XXXX another company bought this debt XX/XX/XXXX from XXXX under accct # XXXX. which was deleted. Now rhis company I. C. Systems bought it under account # XXXX. I am so tired of companies keep buying debt over and over again through different companies ruining my credit.
Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.
This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.
I disputed with Experian and XXXXthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

Medical have been disputed also
{$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.
They are calling my job.They even told the receptionist I owe them.I have told them numerous times to stop calling me at work.The lady just laugh and continue to call.I am not to take personal calls at work.Inneed to have them stop before they put my job at risk
They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.
Canceled my credit card in XXXX then agreeing on a payment arrangement to pay balance. Miscommunication between me and the representative regarding that my cash back option would be consider as a payment. After using my cash back option on the mobile app it said no payment was due for the month of XX/XX/XXXXon the XXXX. The next monthXX/XX/XXXX my payment that was aggreed upon of the amount XXXX $ i paid XXXX $ onXX/XX/XXXX then i continue to make my agreed upon payment.
Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. 

On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. 

On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. 

These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. 

I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. 

Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application XXXX
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. 

My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?
I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge
Your tracking number ( MTCN ) is : XXXX Western Union Hi i sent the money international via western union on XX/XX/2018 total amount {$1400.00} receiver did not receive the money and i call western union many time they are not cooperating in this matter.
On XX/XX/XXXX and XX/XX/XXXX I received emails from Navient reminding me to reapply for the income-based repayment program I have used since my federal student loans went into repayment. The emails led with the date XX/XX/XXXX, as the date my payment would increase. Deeper into the emails, there is a second date, XX/XX/XXXX, by which they write is important to reapply by " in order to keep [ my ] lower payment amount. '' I submitted my usual IBR payment to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received another reminder to reenroll in IBR before my payments increased on XX/XX/XXXX. I subsequently submitted my IBR repayment recertification via studentloans.gov on XX/XX/XXXX after completing this  year 's taxes. 

In the meantime, Navient capitalized over {$16000.00} worth of interest on my loans on XX/XX/XXXX. Despite the fact that I will make uninterrupted IBR payments, as I have for years, they say that by waiting until XX/XX/XXXX to reapply I left the IBR program. Although I will reenter seamlessly in time for my XX/XX/XXXX payment, according to Navient I have triggered capitalization. 

I find Navient 's communications deliberately misleading by repeatedly offering up the date XX/XX/XXXX, but only naming XX/XX/XXXX on two occasions and less prominently. I have loans through another servicer, XXXX XXXX XXXX. Using the same IBR recertification on XX/XX/XXXX, they have reprocessed my IBR plan with no interest capitalization.
WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.
Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.
I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.
Public Records - XXXX County Tax Lien sent letter to XXXX, Equifax, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XXXX and it was refused.
I  XXXX   XXXX  am entitled to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a   XXXX   XXXX   work related accident. My  Union  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for over  18-months, s everal medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit  of a 180-day wr itten notice that after  the 180-day  notice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB   XXXX - XXXX -  XXXX   XXXX   agree ment of  2015 . All  medical collections m ust be removed immediately by all medical debt  collectors , and I must be send a  180-day notice, so my insurance can work on resolving all claims. REMOVE ALL MEDICAL COLLECTIONS A S MANDATED!!!