WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX XXXX XXXX
American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?
I currently owe Navient {$24000.00} for two loans : original amt {$10000.00} and {$15000.00}. I also have loans with XXXX that total roughly XXXX, bringing my total to approx. {$44000.00}. 

Yesterday, I called Navient to discuss a IDRP form that I sent in and other possible options. I advised my loan processor XXXX that I was uncomfortable with the IDRP form after doing research on what happens to your loan forgiveness amount. I explained to her that I was concerned about the forgiven amount becoming " earned income '' that I could be taxed on in the future. XXXX said she had never heard of such a thing. I tried to explain that it was true, but she wasn't listening. This gave me zero confidence in her abilities to advise me on anything. She then proceeded to inform me that my total loan amount had jumped up to {$69000.00} in six month 's time. I told her that this must be a discrepancy and she said that it was not, and in fact, was compound interest of exactly {$24000.00} in that 6 month duration. I went onto the XXXX site to look over my loans and saw that it appeared to be a duplicate entry as the total owed amount is exactly the same on both lines. XXXX put me on hold so she could speak to her supervisor and then came back and said that the amounts were correct and that it was compound interest. I explained to her that there is no way I could have accrued that much interest in 6 months and why wasn't this told to me if that was the case? I then asked her to provide me a report showing all the charges I've incurred on loan via email, and she did not agree, but said she would call me back in 30 mins. That was over 2 hours ago. 
I tried to call the XXXX of XXXX XXXX, but they were not helpful and just asked me to call Navient again or file some kind of discrepancy dispute form on their website. 
If they are allowed to charge that much interest in that short amount of time, then that is criminal. I have never seen a more perverse system that entraps people so deeply and cruelly. Something must be done!
I have been attempting to get my loan modified since XX/XX/XXXX without prevail. I had a prior modification which I defaulted on due to a job change. I informed Nationstar that I would make the back payments to catch up and requested the amount due. Within 3 days I called back to make the payment and they informed me at that point that I owed an additional {$2000.00} because they added attorney fees. I asked how they added attorney fees within 2 days of my request for the payment amount. They then refused to take my payment. I requested proof that the attorney had been paid {$2000.00} in that time frame mailed to me. I have not received any paper work in regard to that request. I applied for a modification shortly after that to try to catch the payments up. I have been declined for numerous reasons yet I have not received any sort of denial paperwork in the mail. I made a complaint with Nationstar and a rep contacted me. I informed him of some of the issues and basically informed me that I have no option beside foreclosure. I asked why and he stated my modification failed for numerour reasons. I requested all prior modification denials and copies of the prior modifications mailed or emailed to me. To date I still have not received copies of everything I have requested. I received documentation that the house will be in foreclosure so I started looking into deed in lieu of foreclosure and also had put my home up for sale for about 8 moths and the home was only viewed twice. The mortgage on the property is higher than when I bought it in XX/XX/XXXX and the property value is about $ XXXX making it impossible to sell the home. I would like copies of all the paper work including the first modification, second modification ( did n't know I even had a first XXXX ) and copies of every denial. I also want proof of the inspections that they have charges fees for monthly on the home and the attorney 's paid receipt showing the {$2000.00} that they demanded from me to be able to take my payment. I am suppose to have one contact and have several as well. One of they payments that were late was due to the XXXX not being able to make the payment when Nationstar acquired the loan as well. This has been an on going battle since they have acquired my mortgage, but further review of the paperwork from the courts show that XXXX XXXX is the person who holds the mortgage.
My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. 
It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. 
I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. 
I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. Experian is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how Experian got the information to report it.
I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.
I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.
I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.
I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).
I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing them.
There are five steps to submit your complaint : Step 1 : What is this complaint about? Equifax 's Dispute link doesn't work. I only have that one session to view my report or make corrections and I would have to pay for another report in order to return to the site to see if the link is fixed.

Step 2 : What type of problem are you having? See answer above.

Step 3 : What happened? See answer above Step 4 : What company is this complaint about? Equifax Step 5 : Who are the people involved? Equifax and XXXX XXXX XXXX XXXX as XXXX show I am in collection but have paid off my account. That's what I was going to dispute, the collection.
I have been contacted at my work by this company RMS, they are a debt collector trying to collect a debt for XXXX XXXX XXXX XXXX XXXX. XXXX. They said that a settlement has been approved and that if I pay them XXXX the remainder will be waived. 
I contacted the school and asked about this company and they have no information on it. This company 'RMS ' has now contacted me three times at work after I asked them to not contact me. I have no idea how they got information on where I work and neither does XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX had no information on my job location. I feel harassed at this point.
We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.
National data breaches compromised my credit. Someone tried to establish a line of credit through fraudulent means and without my consent.
I have disputed a credit card on my CR that is a result of Identity theft. All XXXX bureaus keep reporting info is accurate however they have failed to provide me with the documentation used to investigate. I have contacted the card issuer by certified mail and they have failed to provide me information to verify legitimacy. I have specifically requested documentation from the issuer and all the bureaus none which have sent the information therefore there is no proof that this is my account. I provided affidavits to the CRB and the card issuer and again the CRB wrote contact issuer they may not know how to get a hold of you, however I have sent written correspondence via certified mail 3 x that were received and they have ignored my requests and correspondence for over 90 days. The card issuer XXXX XXXX XXXX
Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.
I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.
Equifax has a poor site for correcting errors. I have misinformation listed in my report that indicates a negative public record judgment against me. It is not against me, it is against someone else. XXXX had the misinformation listed also, but quickly removed the error ... upon request from me. XXXX did not list this misinformation, apparently they are more careful. What recourse does the public have with Equifax and XXXX? They have filed false information about me and this has cost me credit, and I have had my credit levels lowered by several of my credit card companies ... this could also have cost me an employment opportunity. I have been financially and emotionally injured, and spent a lot of wasted time. It seems to me that we the public, are victims of their casual yet powerful business practices. It is irresponsible of them to post negative information in our reports without at least advising us that they will be doing it. I am glad that there is this opportunity to pull up the annual credit report. If I had not been able to, who knows how much longer this misinformation would have been listed ... 7 plus years? It seems to me that we should be able to have access to our credit reports, without charge, every day. 
XXXX XXXX - XXXXXXXXXXXX
Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.
The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.
I got an alert today from a credit monitoring service with the following message.
 XX/XX/XXXX  Credit Negative information has been added to your credit report.
Activity Type : Delinquent Account Creditor Name : CONNS CREDIT   XXXX   XXXX   XXXX    XXXX , TX XXXX   XXXX  Industry Type : Home Electronics Sales and Service Amount Delinquent : {$120.00} Payment Status : Late 30 Days Account Number :  XXXX  Creditor Preferred Contact : Other This account was closed and sold to a third party in  XX/XX/XXXX . Conn 's does n't the right to keep reporting to the Credit Bureaus, therefore that 's a violation of the Federal Fair Reporting Act. Conn 's denied that they are reporting anything and blame the third party they sold the account   XXXX   XXXX   XXXX   XXXX    XXXX  When I spoke with this law firm the rep said that they does n't have the ability to report anything to the Credit Bureaus. CONN 'S has violated the FCRA.
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us.

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee.

The only explanation is that the loan started over. - what does this mean? What is this loan?
Wells Fargo mortgage acct no. XXXX open on XX/XX/XXXX home sold XX/XX/XXXX shows late payments on XX/XX/XXXX ( 6 months after close of sale ) I called Wells Fargo they just gave me run around with no resolution
I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.
Santander is reporting a debt on my credit file that I do not owe. They are reporting as a charged off collection. This debt is supposed to be paid the XXXX XXXX XXXX.
I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.