WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, when my loan was with XXXX XXXX, my husband became ill after suffering from XXXX XXXX so I called XXXX XXXX to inquire about lowering my interest rate. I have a pick a payment loan and the interest kept increasing. They never helped me and I also had a XXXX with XXXX XXXX and I was current on that loan. My husband was a war veteran of XXXX and they never offered to fix the loan or give us a break from the pick a payment loan. On or about XXXX XXXX, XXXX, XXXX XXXX returned my equity line check and then immediately thereafter filed an NOD. I was always current with them and why they just sent back my check is perplexing. Then they set a sale date and I struggled to hire various lawyers to help me but nothing really worked. Then files got transferred to Wells Fargo. They would not accept my husband income at the time when he was alive nor did they accept my daughter 's income who lives with me and contributes XXXX as well as renters. I feel that Wells Fargo is just setting me up to fail and they want to keep my over {$600000.00} in equity. They are violating my homeowner Bill of Rights, they are refusing to take into account all of my income and they are discriminating against me for my age as I am XXXX and it seems like they just want to kick me out. I have lived in this house many years and they are treating me like an animal. These big companies should not be allowed to abuse XXXX citizens. I am able to pay a mortgage but I need the loan fixed to a fixed interest rate. I pray that you help my daughter and I. thank you god bless.
I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over.
this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers
In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount. 
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated. 
Thank You, XXXX XXXX
Ocwen has problems with their website. I finally was able to get logged in to make a payment and it am being forced to electronically sign an admendment. Ocwen has noted that the ageeement is in lieu of documents but clearly mention charging XXXX per document. I can not make a paymet on line or by phone unless I agree. My loan is due to be paid in 2021, this is a clear attempt to punish me as my loan is due to be paid, my balance is just over {$13000.00}.
I received a phone called today from a representative for XXXX   XXXX concerning my past due credit cards. They left a message stating I will sued if I don't contact them by a certain time and that they will take any and legal actions against as possible. My credit card balances are not over {$500.00} and to be getting threatening messages stating they will be sue me ( which was left on my voicemail by some with a name of XXXX ) is just ridiculous
I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.
Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. 
I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.
CAINE & WEINER Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
I have a mortgage with Bank of America who cancelled my auto pay provision without any notice to me. This resulted in my being 60 days late without my knowledge. Once I was informed I immediately made payment to bring my account current. The following month in XXXX it was my understanding that my automatic payment process would be resumed, something I confirmed with the B of A representative over the phone as I was making arrangements to correct the balance on my account. I made my payment in XXXX to bring my account current as I negotiated with the representative over the phone and assumed that this mishap had been resolved. In XXXX I had pressing issues and I did not follow my balance with my account from which the payment should have been withdrawn. In XXXX I discovered that the payment had not been withdrawn and I immediately went to the bank and made a payment on XXXX XXXX that included late fee 's. The check cleared my bank XXXX XXXX, 2016. At that time, I was receiving calls from Bank of America demanding payment and reciprocating in the mail their pre-foreclosure packets. I called the B of A and was first informed that they had no record of my payment and that I had to make a payment with certified funds that day. I contacted a friend who is a Mortgage broker and we call Bank of America together. After several questions from my friend, Bank of America admitted that they had received my funds but returned them and that I had to make another payment with certified funds. This was XXXX/XXXX/2016. The spokesman told us that funds had been returned. On XXXX/XXXX/2016 I received the check with a letter from BofA that my funds were being returned. The check was dated XXXX/XXXX/2016, the envelope that the check was mailed in, however was dated XXXX/XXXX/2016. Bank of America waited another seven days to mail the check. Bank of America had accepted my funds, cashed the check, verified that they had indeed received the funds, then returned the funds and reported me late on my credit report and accelerated my loan into pre-foreclosure status. I am planning on taking B of A 's check to the bank and substituting it for a B of A certified check, and redepositing the funds back to ensure my loan does not go into foreclosure however I believe that Bank of America, by accepting my check, cashing my check, verifying that they had received the cash, and then returning the funds in favor of certified funds after receiving payment should be illegal. I further believe that while holding my funds, accelerating my account into their pre-foreclosure process is unconscionable. They held my funds and then charged me a penalty for being late, and accelerated my loan to pre-foreclosure status, even though they had verified that my funds had cleared and were in deed deposited into their account. Then took an additional week and a half to return the funds and only did so when I presented them with proof that they indeed were holding my funds.
On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.
XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it
Bank of America has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Bank of America 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for BoA 's unlawful conduct.
Equifax was notified by XXXX XXXX in XX/XX/XXXX to remove an hard credit inquiry made as the result of id theft / fraud. As of XX/XX/XXXX Equifax still has not removed the incorrect information which has adversely affected my credit score.
Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.
My loan balance has steadily increases over the last few months at lease {$1700.00}. When I called Navient, they informed me it was due to uncapitalized interest. Each month I make my monthly payment, on auto payment so they do n't mess it up, and a portion of the payment is applied to principal. After calling, I was informed interest accrued daily and I only paid what accused during the billing period. Other letters from Navient state they will apply payment to excess payments to accrued interest only then principal. When making extra payments, I would choose not to move the next due date. The due date always was extended and the loan terms changed at times.
On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX XXXX  XXXX ( XXXX ) from my XXXX Education Award account from XXXX to pay off the account # : XXXX in full, {$3500.00}, based on the payoff generated on that date. I just came into repayment and the actual payment was not due until XX/XX/XXXX. So, I was trying to pay it off a month before it even came due. According to the education award account system, XXXX is set up to receive payments from them electronically via EFT. The payment was NEVER picked up by them, it sat there " pending institution action '' for two weeks. I emailed them on XX/XX/XXXX, never received a response. I contacted their customer service and spoke to a rep named XXXX on XX/XX/XXXX, she had no idea what was going on, could not provide me with any information regarding the payment, and why they could not access it. Told me I would be called the next day ( XX/XX/XXXX ), as she had to refer this to an area in accounting that handled payments. I never got called and had to call them back. When I called back, I got the same run around, no one knew anything at all. I am now receiving calls via an autodialer regarding payments, even though the payment itself is NOT due until XX/XX/XXXX, almost two weeks from today. I have spoken to three different people and NONE of them have been able to provide ANY rational logical explanation as to WHY the payment was not accessed by XXXX and applied to my account. All I am trying to do is pay off my student loan and they seem incapable of allowing that to happen. I requested to speak to someone in accounting ( since they state that is who would have the answers ) and that request was refused. I asked to speak to a supervisor, same thing. All I want to do is pay off this account with the funds from my XXXX award, why is this alleged FEDERAL student loan servicer incapable of facilitating that process when they are supposed to be participating in it?
I borrowed {$400.00} in XXXX XXXX, I was told the total I had to pay back would {$620.00} in XXXX payment. It is XXXX XXXX. They will not return my call or email, give me my login information, since they have blocked me. They are still pulling {$220.00} out of my account. I have paid them {$1800.00}. How do I stop them and get my money back. They are complete XXXX. I want to sue them.
Hi on the i sent XXXX Ethereum from my digital wallet on XXXX  to the ether wallet on my account on XXXX. It still hasn't shown up and i have been sending daily Emails asking for help as this is XXXX worth of aud and pretty much all my savings. XXXX has been great helping with proof of the successful transaction, which i have offered to provide to coinbase on multiple occasions but still no response. I have also tried calling there American number but i can never get through and this is costing me a lot of money each attempt as i live in XXXX. I am desperate and this is heavily effecting my mental health, and just can't understand the lack of support from such a big company.
I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments.
Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe
Dear CFPB, My name is XXXX, Im writing in to complain about Experian. 

They refuse to delete a charge off from a company XXXX XXXX XXXX : Ive disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. 

XXXX XXXX XXXX XXXX Account Number XX/XX/2013 Date Opened Recent Payment Amount Its seriously hurting my credit score.
Experian is showing I have an account with XXXX XXXX that is delinquent. I have been disputing this account for almost three years. They have not removed it, and now they have added another XXXX XXXX delinquent amount owed to my credit report. They are also saying it will not be removed until XXXX 2022. Which means it will stay on my credit report for over ten years.
I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( XXXX XXXX XXXX ) twice under XXXX different account numbers