WillisBack/dataset-financial-user-claim huggingface dataset:
American Servicing Company refuses to review client for modification. Was advised on XXXX/XXXX/15 that file was going to be reviewed for modification but when I called XXXX/XXXX/15 was advised that the same day XXXX/XXXX/15 file was denied. How is it possible that they reviewed file within a XXXX of hours. File was not handle properly. No written decision was mailed to client. I also also advised that no written notice will be sent of decision. Not following proper guidelines.
I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.
I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this XXXX XXXX XXXX XXXX
As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.
Greentree Mortgage has denied me a loan modification reducing my interest rate, without going thru the proper review process. I submitted their form on XXXX XXXX, theuY denied the modification with a letter dated XXXX XXXX, never asking for any documentation. The letter sent to me on XXXX XXXX stated that all documentation was complete! This is a loan shark operation, my mortgage was sold to them by XXXX XXXX XXXX 2 years ago. I have been modified on other loans based on reduced income, I just think Grrentree operates on a shady mode!
I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports
On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.
Hello I filed a complaint in  XXXX  to have  National Credit  systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help.   XXXX   and   XXXX   f  ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since  XXXX  and I 'm getting the run around.
Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.
XXXX XXXX XXXX XXXX XXXX, issues hard inquiries on my account on XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I never requested XXXX XXXX XXXX services or authorized them. 
Initially I raised a dispute with Equifax ( Equifax Dispute Confirmation # XXXX ) but aren't of any help. Asked me to check with XXXX XXXX XXXX services. 
Today I called XXXX XXXX XXXX services and they are saying your mobile number is not associated with any of our services and asked me to check with my creditor ( Equifax ).
I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.
Our mortgage was in forclosure. Our account has been caught up and in good standing since XX/XX/2016. We are continually getting approached outside our house from companies wanting to help with our foreclosure. Also, today someone put a sticker on our front door stating that this property is scheduled for final disposition. I have made several phone calls to our mortgage company to make sure we were in good standing and today is the first time someone offered to add a privacy code on our account so no 3rd party companies can access it. Unfortunately, it will not go in to effect for 30 days. I do not want my kids being approached outside my house! Please help!
I was recently offered a loan modification by my second mortgage, Madison Management Services which threatened me with foreclosure last year. In order to avoid foreclosure, I was put into a forbearance agreement for a year starting XX/XX/2016. After fulfilling the agreement with a timely payment of {$300.00} per month, Madison asked me to keep paying the same amount without any modification in sight. I immediately replied asking them to reconsider their decision and offer me a more attainable and sensible loan. Now they came up with a very questionable loan modification where the original amount went from {$45000.00} to {$100000.00} due to some very questionable fees. So now I owe as much as my first mortgage. It does n't make any sense. What about all the payments I did submit? Do n't they count for something? My concern is the legality of those fees and the legality of Madison Management Services itself in collecting those payments. I ca n't afford paying XXXX mortgages as it is.
My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say " rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything.
On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.
I am reporting my rights, under the Fair Debt Collection Practices Act, ( FDCPA ), were violated. Under the FDCPA, it states, If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that debt is a disputed debt. As you can see in the attached documentation, from my archived credit report, ( XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX ), they did not report the debt, as being disputed. They still reported disputed debt, to XXXX  and to XXXX, as if it were not being disputed. 
Attached you will also find a copy of the certified letter receipt ; the collection agency received a letter, asking them to validate not verify, said debt. According to FDCPA, Upon the consumers request written request within the thirty day period, the debt collector will provide the consumer with requested form of validation. A debt collector presented with a timely ( within 30 days of receiving my notice ) demand for validation must stop all collection activities until they provide the requested validation. As you can see from the attached certified letter receipt, from XX/XX/XXXX to XX/XX/XXXX ( today ), it has been 52 days. They have not provided me with requested validation, and they continued to report XXXX and XXXX, which is another direct violation of the FDCPA. 
In lieu of the violation of my rights under the FDCPA, I am requesting that these accounts be deleted from my XXXX  and XXXX credit profile, and that documentation of requested action be forward to me as soon as possible.
Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix
This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 
I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

, Department of Education/Nelnet representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/Nelnet 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. * All of my, Department of Education/Nelnet accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
AFTER RAISING MY MONTHLY PAYMENT FROM {$580.00} TO {$820.00} I CALL THE COMPANY AND EXPLAIN THAT I COULD NOT AFFORD SUCH INCREASE, I LIVE ON SOCIAL SECURITY CHECK, THEY OFFERED ME TO APPLY FOR A MODIFICATION LOAN, FILED OUT ALL REQUESTED DOCUMENTS AND WAS DENY ANY HELP ... .THERE REASON WAS " YOU ARE CURRENT " WHAT A JOKE! THEY SUGGESTED TO APPEAL? ANOTHER JOKE ... ..I AM AT A LOST!!!!!!!!! 

RESPECTFULLY XXXX XXXX
This company in which I hold no contract with nor have received services from reported ( 3 ) different collection accounts against my Social Security Number in the amount of {$510.00}, {$710.00} and {$570.00} with XXXX, XXXX & XXXX   credit reporting agencies. I requested verification and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
call to speak with a representative regarding inaccurate information on my report and I was treated like an animal, I was placed on hold for  20 min or more and when some one did answer I was hung up on. there is information on my report that i feel is wrong, there is no account numbers, no payment history and it is still stating that the account is open and they appear to continue updating this information with a balance of {$710.00} I do not owe money to   XXXX  .
Experian wants to me to mail in a long list of PII, including a copy of a government ID and my social security number so that they can temporarily lift a credit freeze. This is even after authenticating through their automated phone system and providing my security freeze PIN. The other two companies were much easier but Experian does not offer a number that connects to a human agent to even explain why I have to go to such extreme lengths to verify my identity with them. Frankly, this is ridiculous.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.