WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!
This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship.
I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.
Yesterday I was at XXXX XXXX XXXX XXXX at XXXX XXXX  .Located in XXXX , it is outrageous how they can lie to customers without caring, I have a credit union loan approval, the seller XXXX and the manager said that the loan approval letter was false, that is a lack of respect and discrimination to my person, the manager told me that nobody could give me a loan. They wanted I use theirs bank to finance the car, the payment is double.
What happened What happened is I have a XXXX invester that the only thing he cared is his own pocket he should be in XXXX  SLS is the servicer and they dont want to do anything except to taken my home I am waiting for my social security to come through XXXX XXXX XXXX is on my case time is what I need and a good servicer SLS is a monster they never worked with me just toy me around and play game Shame on u SLS and invester I will be in the street by the end of the XXXX
I am a victim of ID Theft and I am asking for help with disputing negative items that are on my credit file. I owe students loans without a certification and I am XXXX years of age. I have consolidated my school loans to have additional negative items added to my file. When the closed accounts are opened one can see that it is closed and transferred to XXXX account through consolidation. I have been turned down for credit because of this action and have to dispute with help. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. When I look at the good accounts there shows the accounts all in consolidation. I am very concerned and I would appreciate an investigation and a letter of proof showing the investigation. I thank you so much for acknowledging my queries.
My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.
When I lived at a residence in XXXX during my time at XXXX, we leased from XXXX. When I moved out, I spoke with the rep who said we did n't need to do anything else, but they kept the security deposit due to a need for cleaning/paint. They gave me a final bill that stated our balance was " {$0.00} ''. Fast forward about a year, and I started getting calls from Hunter Warfield/ collections agencies saying that I owed XXXX over $ XXXX for " new paint '', despite the fact that they kept the security deposit already for this, and had provided me with a {$0.00} final balance statement. 

Whenever I tried to contact XXXX to correct this mistake, they refused to take my call, nobody was ever at their office, and they began blocking my calls. However, every time I confirmed the situation with the collection agency ( who said they would close the case ), a few months would go by and someone else would call again, saying XXXX refuses to drop the case. 

Most recently, I have looked up XXXX and they have been shut down, and they were discredited by the XXXX and removed from the site for failing to comply to necessary standards.
I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
I have repeatedly requested for them to stop contacting me at work. I have advised them that all communications with me should be via my personal phone number, email, or US mail. They have repeatedly disregarded my wishes and continued to call me at work ; including leaving messages on the general delivery voicemail and at my extension.
Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.
I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.
The bank closed my account on  XX/XX/XXXX . Because of overdraft fees, I had a debt of {$400.00} and they would not accept any other deposits [ to the account ] but, they did take my federal and state tax returns, those checks were deposited  XX/XX/XXXX  in the amount of {$3900.00} for federal and {$290.00} for state. On   XXXX   XXXX   XXXX  , I went to the bank and I sent in everything they asked me for and they didnt send me the difference. From XX/XX/XXXX  to date, they have not returned my money. I went to the general manager of the bank, Ive called them, and they havent resolved anything.
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX XXXX Account Number:XXXX Date Open:XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open XXXX XX/XX/XXXX Balance XXXX {$2300.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXXBalance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX us, XXXX XXXX, XXXX XXXX XXXX
cra violation equifax breach cause me to destroy my credit file XXXX  taking more than 90 days to fix it
On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report
Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement.
My issue is with a XXXX XXXX credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the XXXX XXXX website and would not accept payments over the telephone. I was contacted by ARS national Services and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from ARS in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from ARS, to XXXX according to the ARS representative I spoke with today. My last communication with this company was XX/XX/2015.
1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.
On XX/XX/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people at Amazon I was told that I did n't sign up for the offer of interest free financing at checkout. I never saw where this was necessary and they have refused to remove these outrageous finance charges. I feel that this is at best misrepresentation and at worst consumer fraud.
****THIS COMPLAINT IS BEING FILED BY ME PERSONALLY. I HAVE FILED COMPLAINTS BEFORE AND YOU HAVE TRIED TO STALL ME BY SAYING YOU BELIEVE THIS IS FROM A CREDIT REPAIR COMPANY. YOU ARE MISTAKEN AND I EXPECT MY COMPLIANT TO BE HANDLED IMMEDIATELY**** ATTENTION EQUIFAX This Complaint is in response to your recent claim that Goal Financial has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable and I believe that is what you have provided to me under confirmation number XXXX I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing this complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action as well as filing a complaint with the FTC, State Attorney Generals office and the BBB. The fact that you continue to send me nothing more than an automated response simply stating that you have verified the information with XXXX XXXX is unacceptable. I am attaching the investigation results from XXXX to this complaint showing that they were unsuccessful in obtaining verification. I find it very hard to believe that Equifax has a magic wand that allows you to have instant communication with XXXX XXXX to verify this information. If you wish to face me in court that is fine, but I have sufficient proof that I was never late on any payments with XXXX XXXX and that this specific account does not even exist any more. I would take this compliant very seriously as this is your last warning.
Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX  and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX  from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.
OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property. 
As you are aware, all short sales are subject to lender approval. 
This account is no longer eligible for a short sale and we will not approve a loss. 
A full payoff will be required. 
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available. 
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale. 
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at calibercares@caliberhomeloans.com or contact us at XXXX to discuss. 
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives. 
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.
During hurricane Irma my mortgage company : Caliber Home Loans offered me a natural disaster hardship deferment for 3 months. I have never missed or was late with any payments until the hurricane. I was told that the 3 months would he put at the end of the mortgage. Then in XXXX they sent a letter and said if I didnt pay the entire amount of the 3 months mortgage payment or I will face foreclosure. Since then they said I didnt qualify for any programs and I must pay. They have also took off of my credit report that I was a victim of a natural disaster and put that I am 90-120 days late which has significantly lowered my score. I have paid my mortgage on time since then deferment ended and am only behind the 3 months they lied about putting at the end of my mortgage. Please help me keep my home.
I requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian credit report.
I disputed several erroneous items on my Experian credit report via USPS. I included my name, address, social security number, and date of birth on the correspondence to Experian. I also included a photocopy of my drivers license which validates my address and date of birth. Today, XXXX XXXX, 2015 I received a form letter from Experian stating " The social security number you gave us does not match the identification in our database.. Please send us proof of your social security number and this letter after you have completed all of the information. ''
Experian and XXXX refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!