WillisBack/dataset-financial-user-claim huggingface dataset:
Seterus sent me a letter stating that I am eligible for a {$5000.00} incentive in coordination with my Home Affordable Modification ( HAMP ). Their letter states, 'this new benefit of {$5000.00}, which will be applied to your unpaid principal balance after the sixth anniversary date of your first trial period payment due date ' ( which for me XX/XX/XXXX so I should be receiving the benefit six years later, XX/XX/XXXX ). But when I called Seterus, they said that they are changing the date to when the loan was transferred to Seterus instead. Which would mean I would have to wait another year. First of all, what they are saying is not in accordance with the letter THEY sent me. Secondly, the sentence that I quoted from their letter is also stated on various websites of the Federal Government ( of which I have referenced at the bottom of this complaint ). So by changing the dates to match their own interests, they are not just breaking their own pledge, but also that of the Federal government. 

Effective XX/XX/XXXX, borrowers who remain in good standing in accordance with Guide Chapter XXXX, Home Affordable Modification Program, and who have submitted the appropriate Dodd-Frank Certification form or Guide Form XXXX, Real Estate Fraud Certification, may be eligible to receive a HAMP Year Six " Pay for Performance '' incentive. This incentive, which is in the form of a one-time, lump sum principle reduction of {$5000.00}, is payable the month after the sixth anniversary of the HAMP Trial Period Effective Date.
In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
In early 2012 we went through difficult financial situation and were left with XXXX income for almost 12 months. Our first priority was to keep our m mortgage paid and to keep our house during those hard times. We have been in the house for 10 years and and we have our XXXX mortgage with Wells Fargo Home Mortgage. First thing we did was to turn to our mortgage company looking for assistance and modification of our loan by lowering our rate which was 5.65 %, higher that rates in the country so we can lower our monthly payments of {$2800.00}. 
On XXXX XXXX 2012 we received a letter explaining modification process and documents needed. I also received a phone call from XXXX XXXX, Home Preservation Specialist with Wells Fargo. 
She was assigned to our case. At that time our mortgage was current - as I stated above, we have been trying to pay mortgage first and keep our house. First advise I received was that we can not qualify for modification as long as our mortgage is current. We have to be behind in order to start the process. So we, believing in good intentions of our mortgage company for 10 plus years, stopped payments. They also assured as that the process will take up to 30 days, so we will be only one or two payments behind. 
This is completely misleading and fraudulent advise!!! 
The process stretched out for 6 months, Wells Fargo claimed that they did not receive necessary documents which I was resending and resending by Fax and in XXXX XXXX, 2012 we received a letter from XXXX XXXX, that she can not help us any longer and they will start collection process. At that point, we are significantly behind our mortgage, they start talking about foreclosure so we are in panic notion. 
Meanwhile, they reported us to all credit agency, out credit become completely ruin and being in hardship it was impossible to make up all late payments. 
We continued talking to Wells Fargo, now with a manager, named XXXX XXXX, which advised to re-start modification process again. 
Left without any options, we did so and start making catches up payments toward the mortgage. It took them another 6 months to come up with agreement which denies our request because even with one income, we still can afford to pay. 
So after a year, we ended up with monthly payment of of {$3800.00} instead of {$2800.00}, same high interest rate, ruined credit history, so they make sure we are not able to qualify for any refinancing with anybody. 
I did complained to XXXX 's office of Wells Fargo, but nothing come out of that. 
So we are now in forth year of bearing consequences of bad credit, not being able to obtain any loans, credit cards, refinancing etc. 
We believe that Wells Fargo defrauded us whether this was done intentionally or out of incompetence and we are looking for compensation.
On XX/XX/XXXX I attempted to temporarily lift my security freeze on my Experian Credit File. I first used their https : //www.experian.comXXXX   online security freeze center but was unsuccessful, even after trying every past address combination that I could think of. Note : I had no issues temporarily lifting the security freezes that I had on my XXXX and XXXX credit files when using the same personal data. I know the payment method that I was using was not the problem because at every attempt I made, Experian charged my credit card with a temporary authorization of {$10.00}. 

After each attempt, I was redirected to a page that gave instructions for mailing in documents to verify my identity along with a request for a security freeze lift. There was also a link to an " upload documents now '' form. Each time that I tried to submit the documents using this online link, it failed and I wast redirected me to a notice stating that I must mail documents in to have the freeze lifted. 

I tried to call XXXX, XXXX, and XXXX to get assistance but none of these # 's allow for talking to a live person. 

I feel that Experian has made it so difficult to manage security freezes that they are putting an undue burden on consumers. Especially the military, who don't have the luxury of having access to fax machines and post-office service when they are deployed. I'm XXXX right now and if I had to mail in all of the documents that they are requesting to lift my security freeze it could take weeks for it to be received by Experian and processed. Not very convenient when trying to apply for a home loan. It basically puts a hold on the entire process of being underwritten for credit.
On XX/XX/2018 I had sent XXXX XXXX XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''
I sent this complain to XXXX XXXX at XXXX XXXX XXXX and I was referred to you. 

Back on XX/XX/2018 I sent an electronic final payment of {$3000.00} to Navient via my bank 's bill pay option. When adding this payer to my bill pay, I added it as Navient, and the company was automatically recognized by the bank so I did not have to manually add the address.That is where the nightmare began. 

I checked my account about a week later, just to see my balance had not changed, and I had a payment due. I made the payment and just figured with the XXXX XXXX holiday maybe it would take a little longer to clear. Unbeknownst to me, the address that was added was The Education of Navient, and not Navient. I called Navient and explained my concern and was told by a Education of Navient representative on XX/XX/2018 that they are aware of misdirected check and the funds have been reissued to my bank, and it should take 5-7 days.

After another week, the funds were still not returned. I called back again and by chance talked to the same person and he apologized for misinforming me and that the process would take 4-6 weeks. Although I was not happy with the news, there was not much I could do, other than to continue to wait. After multiple calls after the 6 weeks had past I was then informed that the check went from the Education of Navient to the Treasury Department. The Treasury Department cashed the check, and The Treasury Department will be issuing another check to the bank. 
I have spoke to and visited my bank and they are also on the look-out for the funds. There is nothing the bank can do because it was a electronic check. In the meantime, I have sent 2 more checks to Navient, directly to their site to get this loan paid off.

It has been 12 weeks now and I do not have the {$3000.00} that was sent electronically to the wrong address and continue to wait.I would greatly appreciate any help that you could offer. I have all the supporting documentation needed.
I recently contacted American Express regarding my XXXX credit card, and was told my account would be transferring to XXXX and I had no control over the $ XXXX in credit on the account. XXXX has severed ties with American Express, and have urged customers to get the new XXXX-issued card. I have had horrible and unacceptable experiences with XXXX, both in terms of their customer service and attempting to use their product. I absolutely DO NOT want another XXXX card. 

As I have been told by AMEX, an account holder can only have XXXX " line of credit '' with AMEX, the amount of which is divided among the AMEX cards issued to the account holder. I signed up for the XXXX XXXX XXXX card in preparation of the XXXX card closing, and transferred half my credit to that card. When I called AMEX I was told that the remaining $ XXXX ( still on the XXXX card ) was locked and I could not transfer it to the XXXX. Now I am stuck, because I either lose $ XXXX in credit by closing the account, or accept a card that I in no way ever signed up for issued by a bank that I do not want to do business with. I feel this behavior is extremely fraudulent and unacceptable. I NEVER gave XXXX any permission to handle or modify my account with AMEX.
I was placed into multiple forbearance upon their guidance only to result in more money owed to them. This process was not explained to me and I feel taken advantage of.
I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.
About three weeks ago i spoke with a rep at experian about my identity theft case and he reviewed my information and told me that the items would be deleted from my credit file within a few days. I then receive a letter from experian showing the items were deleted on XX/XX/XXXX but got a new letter dated XX/XX/XXXX that the accounts were reinserted. I called experian on XX/XX/XXXX and spoke to a supervisor who stated that they contacted the XXXX police department and they could not validate that the police report was valid which is a lie because i called the XXXX police department right after i got of the phone with experian and asked if someone were to call and verify if the report is valid will they give them that information and was told yes they will. But no one had called them because the lady at the XXXX police department said the report was valid once i gave her the report number. DEPT OF VETERANS AFFAIRS acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX
I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and my family
Was applying for ibr consolidation with Navient and they told me everything was fine. Now they never finalized the process and never contacted me for additional information. Now the dept of ed put a wage garnishment on me and wo n't allow consolidation.
Had money in account about {$260.00}, went to pay a utility bill thinking had $ $ $ on the card, the clerk swiped the card for payment and she told me that the card is " declined ''. I asked her to swipe again and the same result. Left the payment center and had a good " cry ''!!!! Then I tried calling different # 's ( on back of card, their customer service and XXXX and all that I could think of ), and to no avail nothing. So please if you can help please do. Also, checked on Atm machines and it 's saying that I 'm in the negative, which I can not fathom, so please look into " our '' plight because we deserve an explanation on what has happened. There are a lot of families that " lost '' a lot.
I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX  credit report.
the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.
For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!
Incorrect information on credit report. There appears to be no method to attempt correction for Transunion.
I was contacted by FMS, Investment Corporation via mail. I responded in XX/XX/XXXX and FMS never got back to me. My letter discussed a payment arrangement suitable to my income which decreased more than XXXX ( I lost my job ). 

I received a letter from the Department of Treasury in XX/XX/XXXX indicating that my XXXX XXXX payments from XXXX will be offset in XXXX because I did not contact the creditor ( Department of Education ). 

My letter to FMS ( 3rd party collection agency ) predated correspondence from the Department of Treasury. 

Two payments in excess of {$1300.00} were sent via bank checks to XXXX XXXX XXXX and FMS between XX/XX/XXXX and XX/XX/XXXX. However, the current balance is only about {$300.00} of the original debt. 

I spoke with " XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX for a combined total of 95 minutes. During these calls, " XXXX XXXX '' reported that my household debt was more than enough to pay over {$55.00} per month towards my debt. In addition, she was sending me documents via email. I asked if I opened the email, would it verify what was written in the documents? " XXXX XXXX '' indicated that it would even if I did not agree. Therefore, I did not open the email, as her payment could be more than I could consistently pay. " XXXX XXXX '' also wanted me to provide her with my debit card in order to make a payment over the phone. When asked if my debit card would be charged in the future, she said, " yes. '' Therefore, I did not give her my personal information. Instead, I sent a certified bank check. 

I admit to the debt. I do not accept how I am being forced into making payments that I may not be able to afford. I am still trying to get on my feet after losing my job. While I was approved for XXXX XXXX from XXXX, I am only receiving interim payments, as my application is still in the process of being solidified.
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
I have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.
A new collection listing on my Equifax today under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and Equifax has no business placingn it back on my file. I intend to file charges against Equifax for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time