WillisBack/dataset-financial-user-claim huggingface dataset:
After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.
I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX
From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # XXXX
Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.
Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?
The account XXXX XXXX XXXX  was not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately
Im request promissory mastery note documentation from the student lenders regarding an amount that I see in my account for XXXX school the first I see is XXXX XXXX  college and the other for XXXX XXXX XXXX. I'm seeking verification.
they did n't want to check with the company for an update.. here if my proof the account is settled I would like this removed from my credit report please
In   XXXX   XXXX   XXXX   I tried to refinance my home to get a lower interest rate. Every thing was approved until  XXXX  checked and saw that my home was not in my name.     In  XXXX  I fell behind on my payments and had to take out a  XXXX   XXXX   XXXX  with  XXXX  Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of  XXXX   XXXX   XXXX   XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage.     I also have the documents that were given to my attorney  XXXX   XXXX  at  XXXX   XXXX   XXXX . They have been trying to correct this problem since  XXXX  of  XXXX  with no results. I have the letter that  XXXX   XXXX  sent out to all the mortgage companies that have held my Mortgage since  XXXX  I need help getting this matter settled. I can not refinance or sell this home if I had to.
XX/XX/2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive SSI Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX-XXXX XXXX. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX XXXX   XXXX. I pay through the Pennsylvania XXXX  website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.
I HAVE DISPUTED THE FOLLOWING WITH XXXX  : REPORT # XXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY EQUIFAX CREDIT REPORT & MY XXXX/XXXX CREDIT REPORT. 
**XXXX UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : XXXX  XXXX XXXX  XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.
I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.
On XX/XX/19 a check for {$410.00} cleared my Wells Fargo Checking account leaving an available balance of {$19.00}. A deposit of {$20.00} was made into the account on XX/XX/19. Over the weekend automatic debits and purchases with a debit card came in for XXXX {$7.00}, {$9.00}, {$12.00}, {$3.00}, clearing the bank on XX/XX/19. None of the payments were declined, and despite showing a positive balance when the check cleared, Wells Fargo assessed a {$35.00} Overdraft Charge applied on XXXX-19. I had previously disabled overdraft protection on debit card purchases when the CPFB came into existence. Wells Fargo was supposed to decline to pay the transactions at the terminal at the time of purchase. 

When I called to complain the WF Employee tried to explain to me that the debit transactions happened in such a way that they caused the overdraft fee. I insisted that I had opted out of overdraft protection on Debit Charges and the statement clearly showed there was a positive balance after the check cleared. The agent continued to argue and interrupt me. He denied that Debit Card transactions on opt out accounts were legally exempt from Overdraft Fees. I reminded them of all the fraudulent activity WF was in the news for again, and that now they were stealing from me. He agreed to waive half of the fee and stated that was all the system would allow him to do. I told him that was unacceptable for them to steal any money from me under the guise of Overdraft Charges for a check that did not bounce. He told me I would have to talk to someone higher up and I insisted he transfer me immediately. 

The next person came on the phone and the situation repeated itself, only this time he offered me an additional 15 % discount on the charges and that was all the system would allow him to do. I told him I do not care about any of your systems, this is not a negotiation I will report this to CFPB. I am not negotiating the amount of money I will allow Wells Fargo to steal from my account. He then refunded the entire {$35.00} fee immediately and I ended the call promptly.
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR
Experian offered me my credit score for {$1.00} and then went on to bill me {$22.00} per month and said it was buried in the terms and conditions that I was agreeing to be billed monthly. So the report for {$1.00} was a ruse to get my credit card info so they could bill me.
The collection agency/law firm is collecting on a debt that is in a formal dispute. They are violating my rights under the fair credit debt collections practices act. The creditor has continually sent it to collections without satisfying the initial dispute and for this reason the collection agency is also violating my rights.
I have a $ XXXX revolving account with XXXX XXXX. Experian is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to Experian but they are not reporting it.
On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.
I paid a bill on the XXXX by phone. It was to XXXX. It immediately was deducted from my balance. The next day I transferred XXXX into the account. Then the next day the VA transferred XXXX into my account. Immediately I transferred XXXX into a separate account and had XXXX. I went to the ATM and withdrew XXXX  and the receipt said my AVAILABILE Balance was XXXX.

I then went to XXXX and spent XXXX which left my balance at XXXX.

When I called my bank they claimed my balance was XXXX and I was over drawn by XXXX   XXXX denies any purchase if funds are not available. My bank never approved any of my past XXXX transactions when there were no funds available and I have proof by ever email that states that the transaction was denied by my same bank. They stole the XXXX and claimed it was an XXXX  purchase. The first time I called they said it was the XXXX bill. The 2nd time they claimed it was a purchase I made for XXXX using my pin. The 3rd time I called back they claimed it was the XXXX  purchase but my account did not reflect the XXXX   available balance. They messed up the actual management of my account on a Saturday.XX/XX/2018. There are accounting errors and internal corruption at Navy Federal Credit Union.
I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.
I payed off my student loan to XXXX XXXX in 2014. I received confirmation from XXXX XXXX my loans were paid off. I now received a new set of payments from Navient 2 years afterwards that I still owe on interest. This is completely unfair and absurd to be receiving this bill 2 years after the fact.
I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
I rented a car from XXXX XXXX. They placed a hold for {$210.00} from me. They claim that the old was lifted properly. The credit card company will not lift the hold.
My mortgage was in default, I then reached out to citi mortgage bank. They then put me on a trial period. My payments were adjusted to {$1300.00} which all payment were received every month on time. I then received notification that my mortgage was adjusted and approved on XXXX XXXX. Then on XXXX XXXX I meet with XXXX XXXX the attorney and signed on my new mortgage with citi mortgage. They then received the signed documents on XXXX XXXX @ XXXX and signed by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Ex XXXX number XXXX. File number on this document is XXXX and XXXX this is the XXXX XXXX title file number. So I then continued to make all my payments every month. Then on XXXX XXXX I received a letter with my returned check enclosed and the letter stated that the {$1300.00} received on XXXX/XXXX/XXXX was insufficient. I then reached out to the company and was given the run around for a few weeks. I then spoke to XXXX XXXX over the phone, and she said they had never received my signed documentation. So that is when I reached out to XXXX XXXX @ XXXX. He said he was hired by a third party and had been paid for his services. This is how I received all the tracking information. I have done everything in my powers to make resolve this matter prior to sending this complaint. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX cell XXXX
Hello, I am writing this complaint in regards to my mortgage company ( Seterus ). 

I purchased my home originally in XX/XX/XXXX for approximately XXXX in the City of XXXX California. My original lender at the time was XXXX XXXX and at some point it transferred to XXXX XXXX XXXX and now it is ultimately XXXX. 

In XX/XX/XXXX I faced some financial difficulty and filed Chapter XXXX Bankruptcy. I successfully completed my bankruptcy and received my final decree. 

I started paying Seterus directly through their automated phone system in XX/XX/XXXX and have not missed a payment since that date. I reached out to Seterus on at least three separate occasions because I still have never received any statements from them nor was I allowed access to view my account via internet. Each time I spoke with them they told me my bankruptcy was under some final review and it would take a few days for them to finally grant me access to their website and begin receiving statements from them. 

Recently ( XX/XX/XXXX ) I noticed somebody taking pictures of my Home and when I approached the subject he informed me my home was headed for foreclosure. I again called them and they advised me they would look into the matter to get my records current. Today ( XX/XX/XXXX ) I received a call from a Seterus representative and they told me I was approximately {$5000.00} behind on my mortgage. This is surprising to me because I have not missed a payment. 

So I guess what Im asking is what can I do as a home buyer. My monthly mortgage is {$2300.00} and I have proof all my payments are current. Their highly unpleasant representatives only tell me they will start foreclosing if I do not become current. 

Any recommendations as to who I should contact? My apologies if this is not your specialty and you took the time to read this. 

Thank you for your time,
XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.
I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).
I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.
I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.
In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.