WillisBack/dataset-financial-user-claim huggingface dataset:
Loan is with Ocwen and we are in pre-foreclosure. We did not know this as we thought house was foreclosed in XXXX. WE NEVER asked for a postponement of the sale until recently once we understood how a short sale would help them avoid foreclosure. WE was told by Option One, back in XXXX that there was " Nothing they could do for us and to GET OUT '' of the house. Wr were told it would foreclose in XXXX XXXX, so we left 100 %. The house has sat vacant for years now, and we never knew the bank did n't foreclose on us, until XXXX XXXX reached out to let us know. I believe we deserve a break and would love to see get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, We the seller has never asked for a postponement, this is the first time and Ocwen is saying NO. can you please stop this forecloseure and allow us to do short sale. We have been riddled with one problem after another with medical issues since XXXX the reason we fel behind was told to leave and now this. I was given a complaint number # XXXX from our expert who is trying to help us. Thank you for your time XXXX ( XXXX XXXX XXXX )
I have been trying to get validation of debt on this account Since  XXXX   2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all  XXXX  credit reporting agencys still no response. This error is making it difficult for me to be approved for credit
My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.
I opened a trouble ticket via email, as they will not handle these kind of issues over the phone. I have no access to my XXXX account where my funds are being held. I can not buy or sell with my coinbase account at all even after it had been verified and used the funding sources for over 90 days. I have called multiple times and emailed countless times and have not gotten a response. Seeing as how they are the only ones with access to my funds, this can't be legal. If a brick and mortar bank were to not give someone their funds the government would take care of it, but since I am an e-customer they don't have the sense of urgency they should.
I work XXXX hours a week. After public transportation costs and taxes, I TAKE HOME half of what I make. When the bank removes the indefensible {$110.00} dollars in fees for the bank policy, infringement of less than {$1.00} ( or MAYBE just over that - I can not tell ) and after paying for winter heat - this is when my account hits XXXX cents which, is the total sum it resides at now. 
I will not be able to get to work as paying the train fee of {$21.00} a day - is now, impossible. 
I 'm sure banks have a renewed sense of delight over the new president whom is set to roll back any moral, ethical ( Dodd.Frank ) or even HUMAN sense of offering banking services to anyone except the ultra-rich/1 % or people to busy grinding out a life in this country to fight with banks each month or each fee. XXXX help us and CFPB.
Equifax mishandled my personal information including Name, Social Security number, address, birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of c
riminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethica
l behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
In XXXX I attended an online College by the name of XXXX College based in Colorodo ( I live in California ). I was granted student loans through Navient to attended a XXXX course which was solicited to me through a phone call. After hearing what was proposed it all sounded very promising. After receiving confirmation for the student load I signed up for my XXXX semester. I only attended XXXX term of the fist semester and completed XXXX classes, XXXX and a class that helped me understand XXXX. The only materials that I received from the school was a book and XXXX XXXX. Due to hardships I successfully withdrew from the XXXX semester. After leaving XXXX college online, they continued to pull money from my student loan service that was credited to me when I began attending, resulting in even greater debt. 
I felt that I have been wrongly charged with this loan that has not only hurt my credit score but had created a great deal of stress because I am unable to repair my score due to a default. 
Navient is now the student loan provider in which did NOT offer any solutions of lower repayment plans, but rather offered only forbearance to further delay a repayment option. After many forbearance, Navient would not grant any more and because I was unable to make the minimum payment my loan defaulted resulting in a crushing blow to my credit score. After years of trying to resolve this situation the only thing I was able to do was make a 9 month payment plan of {$8.00} to get my loan out of default. Since then, Navient has still offered no solutions of a lower repayment plan but only more forbearance. I have also learned that since my attendance at XXXX XXXX they have been in a lawsuit and has forgiving {$15.00} XXXX in student loans all the way back to XXXX. I have attempted to contact XXXX College about this but they have gone out of business so I am once again left to a dead end.
I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.
Two Fridays ago today I was wrongfully " Denied '' a loan because of some unknown negative credit entry on my " Trans Union '' credit report. I immediately contacted " Trans Union '' to have them mail me my " Free '' copy of my " Trans Union '' credit report. They said that they would However, here it is 14 calendars later and I have still NOT received in the U.S. mail my " Free '' copy of my " Trans Union '' credit report per the Federal law called the " Fair Credit Act. ''
Borrower was notified XX/XX/XXXX by XXXX County Courthouse that there were past due taxes on the home. Borrower notified Caliber Home Loans via fax and phone of the past due taxes as well as included the statements from the courthouse of taxes due for XX/XX/XXXX as well as XX/XX/XXXX. 
Contacted Caliber again XX/XX/XXXX and spoke with XXXX XXXX, manager of Customer Service regarding the unpaid taxes from XX/XX/XXXX as well as the now past due taxes for XX/XX/XXXX. Continued communication with XXXX XXXX throughout XX/XX/XXXX have yielded no results on taxes being paid. Now have been notified by XXXX County Courthouse that home is scheduled for auction if past due taxes are not paid by XX/XX/XXXX.
I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.
In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.
I 've called XXXX now to PennyMacLoan Services to get my monthly statements corrected. They send the monthly statement towards the end of the month, the payment slip that I un-attach to send with my payment is for the previous month. Example : the statement that I received at the end of XXXX that was supposed to have the payment slip say Due XXXX/XXXX/2015 for the XXXX 2015 payment says XXXX/XXXX/15. It 's like they are a month behind. 
I 'm not behind on ANY of my payments. I 've called them XXXX and no change. 
Also, I spoke to a rep today at Penny Mac Loan Service and I 've never ever made a payment on the phone and somehow, they have someone else 's routing information on my account and the rep asked me to give her my new routing numnber and account number. I got suspicious and I told her that i would send a cashiers check instead.
I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see XXXX collections for XXXX XXXX XXXXXXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those XXXX bills are not mine and have never been mine.
I contacted TransUnion on XX/XX/18 to speak with the representative to let them know that I was a Victim of their " inquiry issue. '' Their customer service representative would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX   XX/XX/2018
I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
SUBMITTED A COMPLAINT ON XX/XX/2018 COMPLAINT XXXX AND XXXX responded back and they sent over a bill with a incorrect address on the bill ... I XXXX XXXX never seen this address as it is listed on the bill from XXXX XXXX XXXX. the address listed on the bill is XXXX XXXX XXXX XXXX,, XXXX XXXX, ,XXXX XXXX   ar XXXX,, I have never lived at the alleged address,,, u can look at my credit file and that address is nit listed on my address with all three bureau,, this is not my account as that address is not assioated with this XXXX XXXX ... .please remove the account from my credit file,,, its it not valid to me XXXX XXXX , ,, never lived at that address.,,,, I have enclosed a copy of the bill that XXXX  XXXX as responded with,,, and that address is not XXXX XXXX ... .
XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX was a joint automotive loan account with my ex-husband that he has missed XXXX payments since we have divorced. He has failed to remove my name from his financing, thus affecting my credit. How do I get my name off his loan info? It was ordered by our divorce decree that he take over full responsibility on the loan, yet he has not removed me from the title or loan documents.
I dont know what happened I never applied for it or even ran my credit report. Also I never gave them permission to share my as name birthday address etc ...
My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.
the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.
I signed up for a new promotional offer from XXXX XXXX XXXX XXXX XXXX ' credit card offered by CITI Bank in the month of XXXX 2015. The promotional offer was for purchasing a new phone from XXXX XXXX XXXX ( Using the link provided ) and then get a refund up to {$650.00} as a statement credit. Below are the details of the offer ( Also available at this link : XXXX Offer details ( Copied form the link above ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Spend {$2000.00} in purchases with your XXXX Card within 3 months of account opening. 
Use your card, now or later, to buy a new phone from XXXX XXXX XXXX, at full price and with no annual contract. 
Make your phone purchase using your unique phone offer link ( which will be provided to you ), activate and maintain service with XXXX XXXX XXXX for 15 days. If you buy a new phone now it will count toward the {$2000.00} in qualifying purchases! 
Citi will then credit your XXXX XXXX XXXX XXXX XXXX XXXX account for the cost of the phone up to {$650.00} ( exclusive of taxes, shipping, fees & wireless service ). 
Phone Offer Credit is not available if you have had an XXXX XXXX XXXX XXXX XXXX XXXX account that was opened or closed in the past 18 months. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Now, I made more than {$2000.00} in the first three months and also purchased a new phone using the offer link from XXXX XXXX XXXX. I fulfilled all the required criteria to be eligible to receive the {$650.00} statement credit. But unfortunately I did not receive the {$650.00} statement credit. 

I tried to resolve this issue by calling their customer service many times, but the issue remain unresolved. Initially the customer support executive told me that the credit will be applied to my next statement but the credit was never applied. 

I have all the necessary proofs and I will provide them if required. 
Thanks.
*** PLEASE NOTE : I have sent copies of my ID, Social, and Utility Bill previously. So please do n't ask for copies again, this is a tactic you use to avoid having to investigate the items I am disputing. Because I have already sent these documents by certified mail, if you refuse to investigate or ask again I will assume this is a refusal to investigate and will sue in small claims court as I have proof this was previously sent by certified mail*** Complaint : I previously disputed an item appearing on my credit report as identity theft. Equifax has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed accounts are : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I have sent a previous dispute to you from your Equifax site, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items properly. My previous dispute stated my reasons for an investigation and these reasons were not frivolous in any way. 

The FCRA requires you to verify the validity of the item within 30 days. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area ( XXXX County ). 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
I have been locked out of my virtual currency account. Coinbase has my money trapped inside there system. I went to use my account one day and coinbase had logged me out, I went through the 2 step verification process and for no fault of my own the verification failed. As a result my account is locked with roughly XXXX inside which can not be accessed. I have emailed, rang, posted to XXXX and XXXX and although I have received a reply telling me they are processing my request it has now been locked since the XXXX of XXXX. My case number is XXXX. I simply want the account unlocked as there is nothing wrong with it and I have reset the password as coinbase requested. 

Kind regards, XXXX.
I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..