WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen took over my loan XXXX XXXX. My mortgage has been a total nightmare since. 

The most latest issue is as follows : Please find attached documents for your review ). 

I was approved for the Florida Hardest hit fund ( HHF ). Monies were actually funded and posted to my loan on XXXX/XXXX/XXXX in the amount of {$50000.00}. 
Ocwen sent me a " MODIFICATION OF PROMISSORY NOTE '' which I signed and had notorized. As you can see by the attached document, Ocwen 's Loan Servicing had XXXX persons sign this same document. Promissory Note is entered into XXXX XXXX, XXXX. 
Based on this Note, I started making my monthly loan payments, P & I then add in my escrow, which is {$120.00} for XXXX. 
All of sudden, Ocwen is sending me Default Notices. As you can see by my PAYMENT HISTORY from Ocwen 's Website, my payments are made per our contract, each and every month. Payments are due on the XXXX of every month, I have a grace period up to the XXXX of each month. I live of Social Security XXXX, only, each month. 
Ocwen continues to put my Mortgage payments into a Suspense account each nmonth, rather than posting to my loan. 
Ocwen is now claiming that I owe them over {$2500.00} dollars. They have never changed the payment amount in their system to reflect what is on their contract. 
Now, Ocwen claims the 'MODIFICATION OF PROMISSORY NOTE '' Is 'NULL & VOID '' How can that be? It is my opinion that we agreed and entered into a legal contract together. Now they want to back out of this contract. Can they legally do this? Is it considered to be a legal & binding contract? If so, how can I get them to realize this and change the figures in their system. I have been working with their account Representative " XXXX ''. Her supervisor finally got involved and he escalated it to the Modification Department who states they can not honor this contract since they are claiming my loan can not be recasted. Before the HHF money posted to my loan, I owed approximately {$120000.00}. Then after the monies were posted to my loan my Principal went down to {$75000.00}. 
What Ocwen is doing, is making me pay my monthly loan payments based on thel old balance. I am requesting that the contract of XXXX XXXX, XXXX be honored and the payments are to change according to this contract. Why do I do next? I can not afford an attorney. HELP!!!! I will have no place to live if Ocwen takes my loan into Foreclosure. I pay every month .... 
Your assistance is much appreciated.
Continually put into forbearance, ca n't get income driven repayment from Navient
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ), is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( hereinafter " XXXX '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ) is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).
It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filedXX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from XXXX XXXX claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to Machol and Johannes on XX/XX/XXXXrequesting verification of the balance and they have not responded.
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees US bank falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what US bank was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that US bank was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
I am having this Kohl 's credit card for years ... .and facing some problems : 1 ) I need to type in the card to do any transactions. 2 ) I do n't know when Kohl 's will send me a replacement card? 3 ) There are no statements that i get - neither physical ( postal ) nor digital ( e-mail ) 4 ) I have my bank account being added for auto-pay but it does n't work. 5 ) If i return something - it takes a while for it to get reflected but still the fees is being charged. 6 ) Try calling customer service ... it 's too awkward timings ... Call Customer Service XXXX till XXXX XXXX my local time. I was not at all aware that auto-pay is not working..moreover I did n't received any alerts or notifications from Kohl 's that something is due from my side ... but when i logged in to this Khol 's account ( as there is no debit from my bank account ) - noticed late fees and interest charges ... .I am in USA since 2000 but never had any late fees or interest charges ... this is ridiculous - now i need to work with credit agencies to fix my credit score/history also ...
Hello, I need to submit a formal complaint against Academy Mortgage, XXXX XXXX XXXX, CO XXXX for making a credit inquiry without consent and without my knowledge. In XX/XX/XXXX I made an appointment to discuss the possibility of buying a home. They ran my credit at this time and then did not follow up with me about what my pre-qualification was. After 2 months of waiting for a response, I contacted the loan officers an let them know we where very unhappy with them but ultimately still needed our pre-qualification information so I could proceed with home buying. At this time, I explicitly noted I did not want my credit to be ran with them again and that if there was a laps in qualification time I wanted to go to another company. They apologized, said that they absolutely were not going to make another credit inquiry and that they did n't have to until XX/XX/XXXX and could still get our qualification. They went unresponsive again. I was alerted by XXXX today that they made another inquiry into my credit, and my mothers, and this was done without consent and acknowledgment. 

I have emails between Academy Mortgage and stating that we did not approve them to do this and would like to report the branch and the loan officers involved and hopefully get this inquiry removed from our reports. 

Thank you
Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage
I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for me.
Moeny  transfer between  XXXX   XXXX  and  XXXX  vi a Deutsche Deutsche was   unexpected fee took from my account {$15.00},  XXXX  {$10.00},  XXXX  {$15.00} but I do n't know why Deutsche at this point.   It was  XXXX  sometime, my parents sent me my money to my US account.   It had happened.
Law office of Scott caruthers. Claiming I owe XXXX XXXX. Have never ever dealt with XXXX. Rude, threatening, obnoxious
The following inquiries are on my transunion credit report that i do not recognize. I have contacted the companies for a signed application in my name or a proof of ip address where these inquiries were made from and they directed me to the credit bureau. I contacted Transunion but they could not help me and were unable to resolve the issue. 
Below are the inquiries in question.
1- XXXX XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XX/XX/XXXX ( DUPLICATE ) 4- XXXX XX/XX/XXXX ( DUPLICATE ) 5- XXXX XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7- XXXX  XX/XX/XXXX 8- XXXX XX/XX/XXXX 9- XXXX  XX/XX/XXXX 10- XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13- XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XX/XX/XXXX
About six months ago I decided to start the home buying process, I am a mother of XXXX XXXX XXXX and work hard everyday to support my family ... I was referred to cook and castle by my realtor and without prior experience I had full trust in them, the lender stated he had experience in my type of loan and credit history. I provided all documents that were asked of me and also a co buyers documentation ... <P/>I was hopeful they would look over everything and point us in the right direction, and if we were not ready they would provide assistance in what needed to be done for the future. my lender gave the OK to look at homes even gave us a number of XXXX with 104 % financing all I had to do was put a good faith deposit.. I fell in love with a house so I put in the offer and the seller accepted my offer! We were ecstatic!!! <P/>The seller asked for XXXX dollars in a good faith deposit ..I was so nervous, that was a lot of money for me, almost half of my savings, but the seller put a contingency that if the loan could n't get approved she could keep my money, but my lender keep re assuring me everything was ok.. the further we got the more things keep coming up more money and more money needed to be paid. At one point I ran out of money but kept trying to keep up.. At no point did my lender say to stop this process, my credit was not ready at all ... and when the moment came and the seller asked to sign over my good faith deposit, he said " everything looks good '' and advised to sign it over ... After paying the appraisal..everyday something else came up that I needed to pay, nothing was ever for sure.. still no direction to stop and cancel He realized things were going wrong and things were over looked and I really was n't ready to buy a house ... the only reassurance I was getting was a promise he would pay back the good faith deposit if the loan fell through ... just keep saying in text that you could not put it in writing just to trust you.. <P/>This whole experience has been a nightmare for me and my family, I even took my son out of his school and put him closer to the new house .. cook and castle should have never let it get that far.. I trusted this lender to guide me in the right direction.. now My family is left with a empty bank account, no house and devastation At what point was he going to say ... XXXX you are not ready. <P/><P/>I am requesting my good faith deposit and appraisal/ inspection funds that I have lost in the process XXXX XXXX
RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX
I applied for an installment loan for {$3000.00} from  Cash Central  at an APR interest of 183.44 %. Beginning on   XXXX  , I agreed to make bi-weekly payments each month for 24 months or until the loan is satisfied. I made all my payments all the way through    XXXX   XXXX   XXXX    when I paid off the loan, in full, with a lump sum payment of {$3000.00}. I chose to pay off the loan early to save money not paying interest, plus my principal loan balance was actually more than the original {$3000.00} even after paying 34 consecutive payments of {$220.00}. However, by paying off the loan in full,  Cash Central  suddenly began reporting the account as being in collections/charge-off along with reporting random months during the loan as being late. I believe that because I paid off the loan with a {$3000.00} payment, they assume the account must have been in collections. Thereafter, every time I disputed the information reported to the bureaus with proof payments for any month  Cash Central c laimed late, they would correct those months but choose  4  different months as being late. Also, while the account was closed on   XXXX   XXXX   XXXX   when I paid off the loan, Cash Central is still reporting Charge-offs for   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . No matter how many times I have proven  Cash Central 's   reporting as ethically wrong, they either change a small detail on the reporting or no longer change their reporting at all. I have run out of options  s I  have invested countless hours disputing this account to no avail, even after paying around {$10000.00} on a {$3000.00} loan just to have it reported as a collection/charge-off.
Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.
Why are credit seekers punished for seeking the best rates? My wife and I recently sought a home equity line of credit and a new car loan. When seeking the best rates, credit issuers check our credit scores which cause the scores to drop. This is ridiculous. This is the only situation in which a consumer is PUNISHED for trying to get the best deal. I understand why it would affect the credit score when a person applies for multiple credit cards. But there should be a protected class of inquires including mortgage and car loan inquires which do not damage or lower a consumer 's credit score.
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.
XXXX XXXX keeps calling me repeatedly from phone number XXXX I mean back to back calls, I will be more than happy to provide my cell phone records and she will leave one message but then keep calling and wont leave another message. TODAY XXXX/XXXX/2015 was it for me she called me from her cell phone repeatedly which is phone number XXXX and I do not appreciate that one bit. She is very rude and very hateful.
Loancare is my fha mortgage bank. I was in a vehicle accident XX/XX/XXXX. Was released XX/XX/XXXX. Had to do months of theraphy. Was able to borrow money to pay back mortgage that was not paid because I was in the hospital. My company allowed me to return to work in XX/XX/XXXX. 
I was behind again {$7900.00}. I borrowed money from my XXXX to pay that. My girlfriend was helping me with keeping up with my bills. We have broken up. XX/XX/XXXX, last month I woke up like another instance I had last year with a thought on my mind and it was my morgage company. 
I had sent them a check to them, two weeks before for XXXX dollars. They sent it back with a note saying it was not enough money. So last week I woke up and remembered. I got on their website to get their number and came across another number for assistance in making payment arrange ments. Talked to someone about payment arrangements. She said she could help. We called on a XXXX way call on XXXX XXXX, and thats when I found out the house had been sold on XX/XX/XXXX. 
I also sent a check that morning for {$3000.00}. Found out this morning they had cashed the check leaving me with an overdrawn bill with my bank. Thankyou.
I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts XXXX did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
I refinanced my mortgage with Bank of America a few years ago. They forced me to enroll in auto payments, which prevented the ability to add an extra amount to my payment to pay off my mortgage. Their online system does not allow you to make inter-month additional payments to either principal or my escrow account. I think BofA intentionally makes it difficult to pay off your mortgage. I 've pursued my complaint with them directly and I am told I can either schedule an additional payment ( I ca n't afford to make 2 payments in a month and add {$100.00} ) or mail a check for the additional principal I want to pay down. It is not convenient. I do n't understand why I ca n't make an additional payment whenever I want for whatever amount I want when I have additional money available with the intent of paying my mortgage off earlier.