WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX
Im exercising my right as a consumer section 609 of the FCRA states that proper documentation has to be provided with a original signed contract with my signature. XXXX XXXX account is being reported on my credit report this account was deleted but yet is still being reported. Ill attach documents that this XXXX account was deleted from XXXX XXXX. So I need XXXX to remove this as well. Reach out to Web bank XXXX XXXX and ask them to provideyou with what Section 609 of the FCRA wants. Experian you never provide how you did your investigation what method you provided to get accurate results instead of number codes.
My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently. 
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.
I disputed XXXX XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and TRANSUNION. A direct dispute with XXXX on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on XXXX tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, TRANSUNION. and Dispute letter where mailed out and delivered in XXXX XXXX. 

XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and TRANSUNION response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and TRANSUNION. XXXX The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( Date updated : XXXX XXXX, XXXX ). 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, TRANSUNION or XXXX. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX Charge-off Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( XXXX XXXX/XXXX/XXXX Charge-off date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, TRANSUNION ( XXXX XXXX/XXXX/XXXX Charge-off Date XXXX/XXXX/XXXX ). 

There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date Maj. Del. 1st Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( AB incorrect ) credit report XXXX XXXX, XXXX, TRANSUNION ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, XXXX, and TRANSUNION ( past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX ).
I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.
On XXXX/XXXX/15 I mailed a dispute letter and an investigation request for XXXX items on my credit report with Experian by certified mail, which they received by certified mail on XXXX/XXXX/15. Experian sent me back a form letter which seemed to me to be both threatening and insulting and a blatant attempt to avoid investigating the items in a timely manner. I believe the attached documents reflect that the dispute item was sent to them correctly and in the form they require. I did not respond to the form letter, as my accountant advised me this would delay the investigation, which is what they wanted. I have since received responses from the other XXXX bureaus, but none from Experian, which indicates they decided not to investigate my complaint. I believe this a blatant violation of the Fair Credit Reporting Act and was an effort to intimidate and coerce me into not pursuing the correction of faulty information on my credit report. I wish to file a complaint against them.
PNC Bank has placed my daughter in the XXXX due to an overdraft account. She is a minor and I believe should she be exempt from collection activity and removed from XXXX.
How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.
I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card.
This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.
I have a loan with ditech that has been pulling my taxes for XXXX municipalities. They have me in XXXX and XXXX county. This has been an ongoing thing for 3 years now. They keep paying XXXX even though I 'm not in XXXX. An easy look at the assessor records would show that I 'm XXXX county. I 've been calling and opening records and they still have n't fixed the problem. I 'm beyond mad about this. I 'm over paying XXXX a month if not more and they do n't seem concerned. I have to step away from work to call and I was told a bunch of times it would be taken care of. I have to admit I just sent them a snotty email about it but I 'm at the end of my rope. Please tell me how to handle this. 
Thanks
Dear Sir/Madam, After reviewing this document : http : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
I have already submitted a CFPB Complaint that was " closed. '' Please reference Complaint XXXX. In the " resolution '' Specialize Loan Servicing ( SLS ) acknowledged that they would reimburse me for the tax penalties I had to pay out of pocket ( even though they were responsible for paying my taxes that are escrowed ). Since that resolution, SLS has NOT reimbursed said penalties. Even after multiple follow up phone calls, I have not been reimbursed. This issue has now been on-going for 11 months and is completely unacceptable.
Being charged for account lease by XXXX, For furniture that I had purchased and paid for in full same day and prior to original lease witch should have and was supposed to be canceled by store merchant manager due to not being properly trained and having little knowledge in regards to his ( job/position ). Witch led to multiple errors, false information, and countless times schedule to pick up merchandise ordered that I paid for and never received due to being very unprofessional and unorganized.
My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.
I have reached out to XXXX numerous of times regarding an account that was placed on my credit report. I informed them that I did not applying for credit with their company. They are still contacting me and reporting incorrect information to the credit bureaus. I have tried over and over to dispute this information and they keep insisting that the account is mine when it is not.
I have since paid off his loan, but approximately 5 years ago I had an auto loan with Bank of America. I paid my normal monthly payments and occasionally I would make a principle payment additionally. I discovered that not only was interest charged, and rightfully so, on my regular payment, but that I was also being charged interest on my principle payment. Essentially Bank of America was making me pay interest on my own money. They only credited me when I complained. I submit this to you as there is no telling how long this has been going on or to how many other consumers this has happened to, namely being cheated by this fraudulent tactic. I realize I probably should have complained sooner but I did not know how to go about it until a friend told me about CFPB.
I have disputed this account with both XXXX and exeter finance company about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.
My payments are being allocated incorrectly. I'm almost {$10000.00} ahead of schedule and when I make an excess payment I select to have 100 % of the excess payment go towards my loan with the highest interest rate. I assumed that when I make that payment it would first pay off all the interest for all loans in the account and then pay the remaining balance towards the specified loan. However, when I looked at the payment it paid principal and interest to all loans in the account. 

For example, on XX/XX/XXXX I made a payment of {$1000.00}. I specified that I want 100 % of the funds to go to loan token XXXX. And my default excess payment preference is set to 100 % of the excess to loan XXXX as well. Below as you can see only {$690.00} went to the loan I specified which is 75 % .. 

XX/XX/XXXX Payment {$1000.00} Principal - {$920.00} Interest - {$73.00} Late Fees - {$0.00} Balance - {$25000.00} Applied to Loan Token XXXX Applied to Principal {$29.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$2900.00} Applied to Loan Token XXXX Applied to Principal {$37.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$3700.00} Applied to Loan Token XXXX Applied to Principal {$8.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$830.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$10.00} Applied to Late Charges {$0.00} Unpaid Principal {$4600.00} Applied to Loan Token XXXX Applied to Principal {$690.00} Applied to Interest {$13.00} Applied to Late Charges {$0.00} Unpaid Principal {$2100.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$12.00} Applied to Late Charges {$0.00} Unpaid Principal {$4700.00} Applied to Loan Token XXXX Applied to Principal {$17.00} Applied to Interest {$4.00} Applied to Late Charges {$0.00} Unpaid Principal {$1700.00} Applied to Loan Token XXXX Applied to Principal {$6.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$610.00} Applied to Loan Token XXXX Applied to Principal {$18.00} Applied to Interest {$5.00} Applied to Late Charges {$0.00} Unpaid Principal {$1800.00} Applied to Loan Token XXXX Applied to Principal {$19.00} Applied to Interest {$6.00} Applied to Late Charges {$0.00} Unpaid Principal {$1900.00}
I was approved in XX/XX/XXXX for a personal loan at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score.  XXXX XXXX states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At XXXX XXXX office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to XXXX XXXX. I was given XXXX XXXX corporate number, called and reported this problem. I contacted credit bureaus. XXXX XXXX DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?
XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.
On  XXXX   XXXX    XXXX  , I purchased a Reusable PayPal MyCash C ard ( PPMC  ), with a value of {$500.00}, for a {$3.00} purchase  fee. I visited paypal.com/cash, per the card instructions, to load the {$500.00} to my PayPal account. After entering the PPMC PIN and providing my PayPal account login credential s, the website returned a " My Cash Error  Code = 203 '' ( see atta chments ).     I immediately called the customer service number at  XXXX . The customer service representative  ( CSR ), op ened a ticket ( #  XXXX   XXXX  to have the issue investigated. The  CSR requ ested I send a photo of my driver license with th e PPMC,   and the purchase receipt to  XXXX  XXXX  XXXX  '. I sent the requested documentation on  XXXX   XXXX    XXXX  , asking for an email response with confirmation the email and attachments were successfully received. I did not receive a response.     From  XXXX   XXXX  through  XXXX   XXXX    XXXX    ( 11+ weeks ), I  ca lled PayPal at le ast 2 times per wee k ( ~25 times ) to  inquire about the status of my ticket.     The first response was the error could not be resolved and I would be issued a refund. The next set of  CSR respo nses was to refuse to send a refund check to an  XXXX   XXXX   XXXX   XXXX  ( AP O ) address, claiming PayPal does not ship to International addresses. I informed PayPal this is not th e first time I 've had this problem, and on the previous occurrence ( previous ticket #  XXXX  )  PayPal mai led a check to the very same address I provided for this ticket.     Sometime during the first week of  XXXX    XXXX  , a  CSR agreed that a refund would be issued and sent to my APO address. From that point to the  present, each time I inquire about the status of my ticket I receive the same response. " The refund is being processed and the check will be mailed  in 7-10 days.  '' By the end of  XXXX    XXXX  , no refund check had been sent and the CSRs stated, the "  Compliance  Department '' was responsible for issuing checks and this department can only be reached via email. Each  CSR apologized for the delay and stated they would send an email to the " Compliance Dep artment '' asking for them to send me an update on the status of the refund check. I never received any updates.     Beginning in  XXXX    XXXX  , I demanded to speak with a supervisor. I explained the delay and my frustrations with the unresponsiveness of the  " Compliance Department. '' The supervisor ( s ) told me they would send emails to the "    Compliance Department '' marking my ticket as " High Priority. ''  They also requested updates be sent to me via email. I was told this exact same thing, at least 6 times in the month of  XXXX . My refund check has not been sent and I have never received any updates.