WillisBack/dataset-financial-user-claim huggingface dataset:
We are a military family XXXX. We purchased a home in XXXX XXXX XXXX in 2006. 3 years later we were sent XXXX. We could n't sell the home because the value had depreciated. We rented out for a few years, but after finding we would not be able to return to XXXX XXXX we began the short sale process. We have stayed current with our payments but our home has been vacant for a year. We 've used up all of our savings and are struggling to make ends meet. We currently have an investor who has made a reasonable offer on our home. We have XXXX lenders servicing our loan, unfortunately, XXXX of them, 21st Mortgage continues to increase the amount they 're willing to accept from the short sale. A couple of months ago we presented an offer to XXXX for the amount they asked for. We just spoke to a representative from the company and were told the lender increased the amount they 're willing to accept by more than half of what was previously asked. Letting the home go on foreclosure is not possible because of our status in the military. At this point we do not know how to proceed.
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
This debt collector is constantly calling my personal cell # asking for my daughter, XXXX XXXX. I have asked their Reps several times to stop calling and harassing me.
My son and I continued to be call by a Navient auto-dialer about every three hours on our mobile phones.We have both spoken to an actual Navient representative last week and yesterday about the situation. My son is current with his payments. I even made an extra payment on his account. They have been made aware of the problem yet we continue to get auto calls about our payment being late. I started getting them at my work number today. I 've had enough! How can we make them stop?
Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.
I applied online for a payday loan on XX/XX/2016 with Big Picture Loans : bigpictureloans.com ( aka Red Rock Lending, Castle Payday which I found out after the fact ). Their address is XXXX, XXXX, MI XXXX.The loan was for {$400.00} with a finance charge of {$200.00} which I agreed to, feeling it was a little high, but I needed the money and I thought it was a one-time fee. I had no idea that this loan was going to cost me over {$2000.00} to pay off until after I signed off on it, otherwise I would never have agreed to such a ripoff. Please tell me this ca n't be legal. I was told by one of Big Picture Loans employees that they were under tribal law and were not governed by regular laws of the States. I agreed and signed the loan, which was deposited into my account on XX/XX/2016. I found out later, when emailed the remaining paperwork showing apr, and scheduled payments, that the total finance charge is {$1900.00} and the total payments would be {$2300.00} ON A {$400.00} LOAN!!. is this not loan sharking? Usury? The APR is XXXX %. I called and questioned it and was told that I was exactly right in my understanding of the charges. Please, please can you help me with this scam? I did receive the {$400.00} loan which I should be responsible for, and the first payment of {$200.00} was made on XX/XX/2016, but the remaining amount is something I did not expect or would have agreed to pay for. I am a XXXX year old woman whose income is very low and I am very upset about this situation. Please let me here from you soon. Thank you very much.
Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
This  Collection  agenc y Company Capital One has f ailed to provide proper verification of the account. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$410.00} ) t o them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  Capital One about providing proof of documentation bearing my signature that the account belongs to me. I feel they are trying to be smart by having the same account number under on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$410.00} ) then all files under my name and my social security number on my   credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX   to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted i mmediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of   the FCRA
I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.
I filed my borrower defense to repayment in XXXX of 2015 and Navient has still not put XXXX of the ffelp loans that shows up in my name into administrative forbearance despite several emails to the department of education and despite Navient putting all of the other loans under my name into administrative forbearance. I will not talk on the phone with them because they always end up lying to me or lying about allegedly not receiving documents I send. I want written communication only. I was the victim of for profit fraud and I want the administrative forbearance I am legally entitled to. They had this account in forbearance. I do not know why it isnt anymore but I am being threatened with default when I filed my borrower defense to repayment for these loans.
Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.
I have disputed the late payments XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage.
Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.
This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!
I received an offer in the mail for XXXX Business Card promotion where I would get XXXX points after spending {$5000.00} in 3 months. I applied online with the promotion code and got approved. After receiving the card and before activating it, I called XXXX to verify my bonus eligibility since I had the similar card in the past. and they confirmed that I am eligible ( since I did n't have the same card in last 5 years ). 

I have spent almost {$3200.00} in first 2 months already and now they are telling me, I will not eligible for the promotion even I spent {$5000.00} in 3 months since I have had the card in the past. 

I am very upset and do n't know what to do next. These people are outright dishonest.
CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry
We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.
In XXXX of 2010 I filed for Chapter XXXX Bankruptcy. I had XXXX tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but Equifax and XXXX have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter XXXX bankruptcy - when the bankruptcy is removed.
Bank of America has continued to provide false information on my credit files. XXXX XXXX and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my XXXX  Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the XXXX Report, BOA listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from BOA indicating that I was NOT LATE. This has been and ongoing issue with clear violations by BOA and continued by XXXX XXXX and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes BOA letter dated XX/XX/XXXX responding to my payment dispute and request for correction BOA letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX BOA XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking
I opened a XXXX IRA with Wilmington Trust ( now M & T Bank ) in XXXX. Five years later, they failed to notify me of the 5-year CD 10-day window, even though I had informed the bank of my new address. I resolved not to miss the next 10-day window to transfer my funds to another bank in XXXX XXXX. In preparation, I made multiple calls to M & T bank to ask questions and notify them of my intent. No one from M & T could facilitate my request to transfer funds, so I got the receiving bank to handle the transfer. When I confirmed the transfer, I discovered that M & T charged {$75.00} for the transfer -- even though it was during the 10-day " do with it what you like '' window and no one had informed me of this during my preparation period! When I called to ask them to reverse the fee, the branch manager said there was nothing he could do, and *then* M & T sent my statement declaring the {$75.00} transfer fee -- after the fact!
I paid this debt in 2012 and it is continuing to be reported and collection attempts continue and the balance is inaccurate. I have tried disputes with the bureaus multiple times and with them requesting all the proper documentation but have not ever received anything other then my disputes are verified with no explanation or resolution.
I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.
XXXX/XXXX/XXXX To whom it may concern, I am writing this complaint in reference to my CareCredit/Synchrony Financial account. I opened this account initially as a CareCredit account, I believe in XXXX. 
I have a yearly {$1000.00} through my insurance for dental care, so the CareCredit was used for work above that amount. I have a {$2000.00} credit line on the card. In opening the account, it had 6 month same as cash payment terms. Which I believe as each charge that was put on the card the 6 months same as cash would apply to those terms. I have been faithfully paying the specified amount on this card since I opened it. I would use my insurance amount, and then I could only charge the amount available to the card, it never went above the {$2000.00}. Because the office would look up the available credit left on the card, then that is what was put on it additionally. The payment rose a little as each time I accrued money to the account for each time I had dental work or for use for my pets, which is fine. I understand that, but never went above the amount on the card. 
However, I had noticed about 6 months or so ago that CareCredit switched to Synchrony Financial. Since the changeover to Synchrony Financial, I noticed that the card said I had a negative balance, which I do n't understand, because as I said I paid faithfully every month, and it was never charged over the amount. My payments kept getting larger, however the balance does not change with each payment, and this has been going on for about 6 months. 
I contacted Synchrony Financial last week, and asked why my balance was n't going down. I was informed that the 6 month term had not been met, okay, I get that I may have messed up the 6 months same as cash term. I also found out that I am paying {$82.00} in interest on a {$2000.00} dollar card, with a payment of {$74.00}. And just checked and my payment again has been raised to {$76.00} this month. So ... .if the interest on the card is higher than the payment, there is no way I will ever pay this card off, how is that legal? Secondly, how can the interest be that high on a {$2000.00} card. This is utterly ridiculous!!!!!!!!! This card was supposed to be a meant to help someone, however, it has turned into a financial burden. 
XXXX XXXX offers the same kind of terms, however, if you miss the terms, the interest does NOT exceed the payment, it is added to the payment. I also have additional credit cards, and my interest does not exceed the payment, EVER!!! 
I am an honorable person, I pay my bills, however in the current state this credit card company has me in, I will never pay this off. It is as if I am just throwing my money away. Could you please assist me in finding a solution to this outrageous situation? 

Regards, XXXX XXXX XXXX
I have an inherited IRA held by J.P. Morgan. In XX/XX/XXXX, I provided paperwork to XXXX XXXX to transfer the IRA to XXXX XXXX. I was informed by XXXX XXXX that J.P. Morgan had  refused the transfer, and had done so for an improper reason. J.P. Morgan claimed that it did not have my mother 's name on the account. ( This is difficult to understand since my mother held the account at J.P. Morgan before she died. ) First, XXXX XXXX asked J.P. Morgan to complete the transfer. Second, on XX/XX/XXXX, I called J.P. Morgan at the number it had provided, but I was unable to leave a message. Third, the same day, I emailed J.P. Morgan. I have received no reply. I need to promptly complete this transfer. 

XXXX XXXX 's explanation is copied below with identifying information omitted : On Fri, XX/XX/XXXX at XXXX XXXX XXXX wrote : Hello Mr. XXXX, I work with XXXX at XXXX XXXX in XXXX, WA. I am handling the transfer of your Bene IRA from JPM to XXXX. I received a phone call today from my back office letting me know that JPMorgan has declined/rejected the transfer because THEY do not have XXXX s name listed on your account there.even though it is a Beneficial IRA and they would have needed her information at the time the account was opened or funded. 



This is, in my opinion, an unacceptable reason to reject, since they have the ability to correct the title on their end. Apparently, they are choosing not to do that. 



I made several phone calls today hoping to avoid you having to contact them, but Im told you must call or e-mail them and request that the title or stencil information be corrected to include XXXX s name, then we will be able to resubmit the transfer once that has been done. 



Here is the contact information I was given for JPMorgan : E-Mail : XXXX Fax : XXXX Phone : XXXX I would be more than happy to join you on a conference call to JPM, at your convenience, if you would like my assistance dealing with them. 



I look forward to speaking with you next week so that we can get this transfer back in process. 



Thank you, XXXX Registered Senior Client Associate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.