WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage servicer was recently changed to XXXX ( specialized loan servicing llc ) mortgage servicing. They acquired my mortgage from XXXX XXXX in XXXX. I have a conventional loan with a loan to value ratio of more than XXXX percent. This means that I do not need an escrow account at all and I signed the closing documents showing this. 

Back in XXXX of XXXX I purchased a flood insurance policy as requested by XXXX XXXX and gave them the proof of food insurance. I purchased a policy starting in XXXX and ending in XXXX. Specialized loan service was faxed a copy and verified they do have it on file. They still increased my fixed mortgage payment, ( which was XXXX XXXX & increased it to XXXX. They created a escrow account and are now charging me as if I dont have flood insurance. Ive attempted over 4 times to speak with them over the phone but they hang up on me or leave on hold for several hours. I feel this is illegal especially since I have proof of my paid off flood insurance policy and paperwork showing I would not have an escrow account when created the loan. I am requesting a full internal review of this company who seem to prey their customers. 

XXXX refuses to work with me or help me with this issue. They can not force escrow upon me for a service I already have! I already have flood insurance active since XXXX XXXX! This is before they were servicing my loan!!
XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law.
I have a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?
Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.
Upon receiving a copy of my credit report, it appears as if I have a LOT of inquiries that DO NOT belong to me. I even have  XXXX  inquiry  (   XXXX   XXXX   )  showing twice for the same date (  XXXX  ). I mailed out a certified letter on  XXXX   XXXX ,   XXXX   in regards to  XXXX  hard inquires that was being reported on my credit report that were not factual. They received the letter on  XXXX   XXXX ,   XXXX  , the request was completed on  XXXX   XXXX ,   XXXX  . The letter stated that they can not remove inquiries and that I need to contact the creditor directly. I did another request through Equifax online dispute system on  XXXX   XXXX ,   XXXX   that included the same  XXXX  inquiries stating that they were not factual. I then received notice back that my request was completed on that same date  XXXX   XXXX ,   XXXX  . The response from Equifax this time was " Inquiries are a factual record of file and access. If you believe this was unauthorized, please contact the creditor. '' on all  XXXX  of the inquires I   submitted. According to the FCRA Rules FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that my investigation was completed in 3 days of them receiving my certified letter during my 1st request and next during my 2nd request the investigation was completed on the same day as the date I disputed it. One can assume that there was no investigation into the matter in such short time frame. I plan to purchase a home this year and having so many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original disputes for hard inquiries that does not belong to me. I did not sign for anything. These are unfair practices by Equifax with no concern for the credit worthiness of a consumer.
Thank you,
I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XX/XX/XXXX school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. XXXX law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
I sent a dispute letter to Transunion Credit Bureau in XX/XX/XXXX to dispute erroneous accounts on my credit report. The dispute letter via certified mail, it was delivered on XX/XX/2016 ( verified via XXXX ). I have not received any correspondence or dispute results. According to FRCA its my right to a timely investigation ( XXXX ) and Transunion is in violated my rights. At this point Transunion should be obligated to follow the law and delete those erroneous accounts listed on the dispute letter. Please assist me in handling this issue.
Was not receiving statements starting in XX/XX/2018. Charges were very small. Bank made no alternative attempt to contact me. Had enough rewards credits to pay the bills but they didn't apply them. They cancelled the card and are reporting me as 30-60 days late.
I was pregnant and had 100 % medical coverage.I do n't realy know what service was performed to me and name of doctor.Never received any explanation or invoices for this amount.I have all receipts paid in full on hand.
PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO RC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX ADDRESS XXXX, XXXX XXXX, FL XXXX
Incorrect reporting of my status by Equifax.. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.
I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.
Good Afternoon, My name is XXXX XXXX XXXX, date of birth XX/XX/XXXX, and my social security is XXXX, I have contacted Navy Federal Credit Union and advised that I didn't agree to be authorized user on the following credit card XXXX and was advised that I was removed but yet nobody can send me any confirmation. I have contact all three credit reporting agency and completed consumer credit disputes and I have been advised that Navy Federal is still confirming that I'm authorize user and has confirmed and deleted from my credit report. I don't know where the line of communications failed but I'm hoping that you can help me resolve the issue. My mailing address XXXX   XXXX XXXX, XXXX, FL XXXX
I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX  score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
I sold my house and closed on XX/XX/XXXX. BBVA Compass was notified in the closing paperwork of my new address to forward my escrow balance. Additionally, I contacted them via their customer service number ( XXXX ) on XX/XX/XXXX to remind them of the proper address to send the reimbursement check to. BBVA Compass disregarded all of the communication on the correct place to send the check, and sent the check to the wrong address, where it was rejected and returned to them XX/XX/XXXX. I reached out to the bank on Monday, XX/XX/XXXX, and they stated that regardless of their negligence, they had to have an affidavit filled out, and would send me one within 48 hours. On XX/XX/XXXX, after 48 hours, I went to a local branch to seek resolution. The banker at the local branch contacted the mortgage group and said he could be of no assistance, but that the affidavit would be emailed by the end of the day XX/XX/XXXX, or the morning of XX/XX/XXXX. When I did not receive the affidavit on the morning of XX/XX/XXXX, I contacted the customer service number again, and they stated that now the wait time to receive the affidavit was 3 to 5 days. When I asked why the wait time to send an email had changed from 24 to 48 hours, to 3 to 5 business days, the BBVA Compass rep did not answer. As of XX/XX/XXXX, BBVA Compass has held over {$5000.00} due to me in a refund and will not provide me a mechanism to receive my money that they have held for over 4 weeks.
Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers
I'm being charged late fees on loans as if I'm on a payment plan while in deferment. 
I haven't agreed to a repayment plan because I'm still attending school with loans in deferment. 
My student loans are being reported as not making payments on time with late fees. They are appearing as a negative.
Vello Law O ffices are suing me for a   XXXX   Bill fro m 2011. I  do not have my receipts from that far back. So I disputed this debt, unti l Vello Law  could send me proper billings from this  XXXX   XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info.  Vello Law  stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS  XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law  will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named  XXXX  who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!
I have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Equifax fail to block the fraudulent items per the FTC 605 B. 
I have requested in writing that they remove the Accounts and Inquiries from my credit file and they fail to do so.
I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.
My household is continuing to receive calls from this company via an automated dialer. We answer the call, but no one is there. 

After the second call failure, my husband, XXXX XXXX, called back the number on the caller ID. XXXX - Operator ID XXXX was very confrontational and rude. He had no desire to try and help with this situation.
I got a letter from XXXX XXXX, XXXX. I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an RBS Citizens , N.A . account with XXXX # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
On XXXX XXXX, XXXX, I received a Notice of Wage Withholding from a private company called Performant. During a phone conversation near the date of this notice, I asked Performant to send me documentation regarding the federal student loan for which it was demanding payment. Prior to receiving this notice from Performant, I had not received any notice from any lender regarding default. I had taken a loan in XXXX to attend XXXX University in XXXX XXXX. I had made regular payments on that loan to a private lender, XXXX. In XXXX, I asked for and received a forbearance during the period of my graduate study. When I graduated in XXXX, I checked my account with XXXX 's servicer and received notice that no balance was due. 

Accordingly, when I received notice from Performant of the Garnishment action I asked for documentation. As of this writing, there has still been no documentation provided. I further tried to reach an agreement with Performant as I told them directly that I wanted to pay the loan -- the balance of which was approximately {$2400.00}. Performant instead demanded immediate and full payment of an obligation it purported to be {$2600.00} - adding various fees. Performant never gave me a reason for rejecting my good faith of an offer of a payment plan of {$400.00} every month for six consecutive months. 

On XXXX XXXX, XXXX, I contacted legal assistance. My attorney wrote Performant on XXXX XXXX, XXXX, and demanded Performant provide copies of its loan materials and to discuss a good faith repayment plan outlined above. Performant never returned any communication. 

On XXXX XXXX, XXXX, Performant issued a XXXX XXXX to my employer. Performant further asserted to my employer that it had notified me multiple times regarding the Garnishment, and contrary to all fact, told my employer that it has been compliant in showing me the basis of its asserted obligation. 

As of this time, my employer is withholding my pay based on Performant 's non-compliant if not fraudulent representations.
I was just hired on to a job. My employer was doing my background check when they informed me there was a different name tied to my social security number! I went to the annual credit report website to obtain my reports but the website would NOT let me view them due to 'discrepencies ' with my social security number! I need a copy of my report so that I can view it and file a police report!
Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web
Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights as a consumer.
The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.
On XX/XX/XXXX I took a {$200.00}. cash advance from my Capital One Master Credit Card. I made extra payments to cover it XX/XX/XXXX. My last statement dated XX/XX/XXXX has a cash balance of {$1300.00} in addition to my purchase balance how can this be I never missed a payment on my card. No other cash advances were made on my account since the {$200.00}. in XX/XX/XXXX. How can my cash advance of {$200.00}, in XX/XX/XXXX carry a balance of {$1300.00} in XX/XX/XXXX after making regular monthly payments on my account since XX/XX/XXXX?
Diversified consultants is reporting a collection account to all three credit reporting agencies. I have never had an account with diversified consultants. In the notes for the account it says that I had an account with XXXX. I do not owe XXXX or diversified consultants anything. I have not had any service with XXXX since XX/XX/XXXX. Diversified Consultants in reporting the debt is as new as XX/XX/XXXX, which is wildly inaccurate for two reasons : I do not owe XXXX or Diversified Consultants any money and I have not had an account with XXXX for almost a decade. This seems like a shady practice to collect debts that are not owed.