WillisBack/dataset-financial-user-claim huggingface dataset:
Our short sale offer is being countered to remove the buyer 's request for LESS THAN 3 % seller concessions even though they are a financing purchaser. The offer is even a bit higher than the BPO so the net amount is a non issue. It is unethical to not allow seller concessions to financing buyers. MOST buyers are financing and require closing costs to purchase, Ocwen not allowing this will make their borrowers unable to sell their homes and go to foreclosure.
When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.
Bank of America is reporting an account on my credit which they claim to have verified through my disputing process with both XXXX & XXXX. I have sent both bureaus dispute letters, method of verification letters & sent Bank of America a XXXX letter requesting all documentation including any original sign agreements/contracts which verify this account truly belongs to me. I believe all the companies are not following the FCRA & using XXXX or some other type of automated system to verify this account. The address tied to the file ( which I found through XXXX report ) does not belong to me nor have I ever lived there or received mail. I originally disputed the account in XXXX 2016 & just finished disputing the account again through the bureaus normal channels. Since the bank has been unable to provide a signed contract or any other legal documentation verifying its validity I would like this account removed at once ... and all records of the account removed from my credit reports with XXXX & XXXX. For the record XXXX deleted the account without incident in XXXX when I first disputed it. I 'm attaching all records & documentation. Lastly, I will not accept copies of documents. I have no idea if they 've be doctored or fraudulently created to eliminate their responsibility. Bank of America has been sued for robo signings & their lack of response to my original requests just appears to be an attempt to not follow the law again ... please remove immediately. 
important dates - XXXX XXXX, 2016 - letters sent to XXXX & XXXX disputing Bank of America acct XXXX XXXX, XXXX - XXXX letters sent to Bank of America & XXXX letters sent to XXXX & XXXX XXXX XXXX, 2016 - letters sent to XXXX & XXXX for removal of unverified information
My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX
XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.
I have private student loans through XXXX from years ago, but were just sold to XXXX. However I have a variable rate for them, and I wanted to see if I could refinance them from the 11 % that they are at now to something fixed and lower. I called my service, AES and they said they just service the loans and they do n't handle those things. So I called XXXX, and they advised they no longer write student loans and my options were to find another carrier that I could refinance with. It should n't be that hard to get my loans refinanced or the terms changed so I am not paying 11 % interest. I am a good customer, I always pay on time and I have only ever requested a forbearance a couple times. Nothing habitual that should make this a difficult process.
In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX. 
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying. 
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months. 
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment. 
XXXX Borrower # XXXX
This was paid by insurance.I never got a bill from them.How can it be reported and sent to collections if I never got a bill for anything.I live in another state and this is from Washington.The amount they are claiming I owe is XXXX.This is wrong.It don't pay to get medical help when your from out of town. You get ripped off.
My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.
My loans transferred from XXXX XXXX to XXXX XXXX. I have made timely recurring payments to XXXX XXXX for 10 years. When the loans transferred an additional interest amount showed up. It was only {$1.00}, so I didn't think much of it. Also, when the loans transferred, my recurring electronic payment information did not transfer, so I had to set this up again. When I followed the prompts on their website to set up my payment, I set it up to pay the minimum amount due as suggested by the website itself. Once I set it up, the website had a little disclaimer that I may have to make an additional payment to since there is outstanding interest ( the {$1.00} ). To make that payment, the company charges {$0.00} processing fee for all one-time payments. These small discrepancies and processing fees probably add up for the thousands of students that have their loans transferred over to XXXX. 

I discussed this with an online representative, XXXX, and he said he could withdraw the {$1.00} " tomorrow '' without charge and set my recurring payment to the minimum. When I went back into my account later to verify, he had changed my recurring payment from the minimum amount due to the {$1.00}. If I had not caught this, I am quite sure I would be charged a late fee, interest, etc. AND have to pay additional one-time payment fees. 

To make sure I don't have to pay additional fees, I changed my recurring payment to a few dollars more to prevent any underpayment. Even after I did that, the same disclaimer came up saying I may need to make additional payments to cover accrued interest.
SOMEONE FROM RENTON COLLECTIONS CALLED ME AT WORK, AND USED LANGUAGE THAT WAS MOCKING AND DEGRADING.
I agreed to short sale my home with Nationstar for a set amount, less than what I owed, however, the home sold for more and Nationstar was made whole. At the time Nationstar executed the Purchase contract they agreed to give me {$36000.00} in relocation fees, which they are reneging on. XXXX : XXXX - Short Sale - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX : Nationstar XXXX No : XXXX : XXXX Bank Account No : ****************Re : Relocation Funds for Seller XXXX and XXXX XXXX XXXX find the XXXX XX/XX/XXXX bankruptcy documents. The Discharge and Final Decree from the XXXX Bankruptcy Court, XXXX California XXXX XXXX ) lists XXXX XXXX ( taken over by XXXX Bank XXXX as a creditor, and confirms the debt was discharged. Attached also find the notification from the creditors meeting, confirming the date of recording, and that the court has determined the date of the lien is XX/XX/XXXX. This can be also be confirmed by the title report in your possession, and has been confirmed to us by the Nationstar 's attorney at XXXX Foreclosure Corporation. Also, attached please find the Notice of Motion for Relief of Automatic Stay, Proof of Service of Notice for Motion for Relief of Automatic Stay, and Relief from Stay. In the bankruptcy, only the XXXX lien, which is the mechanics lien, and the XXXX lien, the deed of trust now held by Nationstar, were not discharged. All other debts, including the debt of XXXX XXXX, the lien for which is now held by XXXX Bank, were discharged. The bankruptcy documents clearly show the XXXX XXXX debt as discharged. The bankruptcy documents clearly show that the only XXXX valid liens are the mechanics lien, and the Nationstar deed of trust, and these same documents confirm that the XXXX lien is the mechanics lien, and the XXXX lien is the Nationstar deed of trust. This information is all a matter of public record and is easily available from the XXXX Bankruptcy XXXX, XXXX California XXXX XXXX ). XXXX is not entitled to any funds from the sale of my home they did not exercise their rights within the Bankruptcy court nor did they show up for any of the proceedings.
On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. 
XXXX sold my mortgage without resolving my modification. 
The mortgage changed couple of hands since. 
I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. 
The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. 
Is insane to force me to work until I will be XXXX to pay the mortgage.
Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to XXXX and Transunion. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
I WENT TO PAY MY CREDIT CARD BILL ; WAY BEFORE DUE DATE AND IT SAID MY XXXX ACCOUNTS WERE RESTRICTED. IF ANYTHING I PAY XXXX WEEKS BEFORE DUE DATE ... ..THEY SENT ME A LINK TO UPLOAD MY XXXX XXXX ID, AND COULD NOT SUBMIT IT ... ... THEY THEN TOLD ME, THAT I WOULD HAVE TO FAX MY STATE ID, SS NUMBER AND ELECTRIC BILL ... .... 

THE BANK THAT ISSUED MY CREDIT CARD IS XXXX XXXX ... ... ... I DO NOT FEEL COMFORTABLE FAXING, OR SENDING VIA XXXX XXXX MAIL ... ... ... ... THEY, THE SECURITY DEPT. WO N'T GIVE ME A SATISFACTORY ANSWER ... ... THEY SAID SOMETHING ABOUT MAKING SURE THAT I WAS WHO I SAID IT WAS ... ... ..BEEN USING THE CARDS 5 YEARS
Since this   XXXX  /Navient loan started, the interest rate is high, balances are not going down, they never told us about repayment options, only forbearance and deferments that add more interest to the loan. W hen one of those pe riods end, the payments always more than double. The original loan was for {$15000.00}, the current balance is {$26000.00} and in 2 years it will be {$35000.00}. The money comes directly out of our checking account every month. Because this is a  Parent Plus loan, they w o n't even discuss moving this loan to our son whose loan it really is. In   XX/XX/XXXX ,  my husband was laid off an d 2 weeks later had a   XXXX   XXXX . We had to do a deferment/forbearance. My husband did recover and obtained a new job making only about 60 % of the salary he used to make. The payment went up after that. We filed Bankruptcy i n  XX/XX/XXXX  and could not get this discharged. On  XX/XX/XXXX , mu hus band had his  XXXX   XXXX . He is currently on   XXXX   XXXX    XXXX  and not sure if he 'll have a job to go back to. We received notice fro m Navient that the  payment was going from {$210.00} to {$460.00} a month at the beginning  of  XX/XX/XXXX . I arg ued with them for quite a while and did get it lowered to {$210.00}. But in 2 years that Payment is going up to {$630.00}. I am  XXXX  and have not been able to get full time employment and work as an   XXXX   XXXX  . My husband is  XXXX  and we have no idea if or when he will recover from this  XXXX . We just need this to go away. All  XXXX  of my children have incurred loans of  $   XXXX   or  more PER YEAR. The totals are ove r $ 100K t hat they each owe. Something needs to be done. There ar e  XXXX  other Parent Plus loans ( because that 's all that the colleges accept anymore ), but with differ ent companies and they are a small bit easier to work with. There needs to be some protections in place for all the Seniors that are getting stuck with these loans. We live in Illinois and hope we can be part of the law suit against  Navient. Because of the  XXXX , we are currently losing our home as well. When I explained that to Navient, they still did n't want to work with us. We ca n't afford this loan.
XXXX continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted XXXX is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. XXXX has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with XXXX or the company it represents. I will be forced to sue XXXX and all CRA that's reporting this information.
According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.
On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.
Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day.
Recently I logged into my Bank of America portal and I noticed a charge on two separate accounts. One account is business checking account and {$1200.00} was debited on XX/XX/2018, and another account is personal family joint checking account and {$2200.00} was debited on the same date XX/XX/2018. These transactions were initiated by the bank by utilizing what they call " Setting OFF '' I never heard of this before, but after doing some research it seams that it is legal. However, my business was not doing well due to not being able to get insurance coverage because my drivers got into too many accidents in one year. This had put a screeching hault into my operations. In addition I was in the midst of my divorce and was not able to put 100 % of my time and my mind into running the day to day operations. I was trying to stay afloat, and pay for things that needed immediate attention like vehicle leases, insurance, workers comp. employee salary, as well as roof over my head and food. As you can imagine my surprise when I saw money being withdrawn without my authorization. One of the accounts, the family joint checking account from where {$2400.00} was taken out, is an account which is shared with my brother, and most of that money is not mine to give! I am shocked and in distress because of this. I have been on XXXX for the last 3 months because of my divorce and other issues, and to have this fall on top of my head out of the blue without any formal notice is making me XXXX XXXX. I spoke to Bank of America and told the agent that my XXXX XXXX is up and that this is not the right way to handle this situation. After all, I could have a XXXX XXXX and XXXX. From whom they will get their money then? I asked her if it would be possible to take {$1200.00} for now and give me a chance to catch up to the rest. She had no good reply. I dont know what to do. This is just very XXXX. I am ready to simply give up. Please let me know if you have any answers or solutions fast. Thank you kindly.
I received a settlement letter about a debt the company says I owe. My name is not spelled correctly.
My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.