WillisBack/dataset-financial-user-claim huggingface dataset:
my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.
I did a money transfer using Western Union from my personal savings account through XXXX. 

I received a MTCN number from XXXX saying my money is been released and I could pick it up. I am currently on travel in Texas. 

I have completed this action before without any problems. However, Western Union is asking for additional verification and a copy of my identification to be sent to their offices. My financial institution knows it is me-i then asked a Western Union to cancel the transaction-but they refused indicating I still had to provide identification. 
I want to cancel this transaction in its entirety under MTCN # XXXX.
Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. 

In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.

Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
Navient has not been a decent servicer. I opened the loan in XX/XX/XXXX and was told if I paid {$25.00} each month throughout school that would cover interest and I would then have to pay full payments following graduation. I did. However when I graduated my loan balance had gone up over {$3000.00}. My payments were over {$200.00} a month. I asked for options to lower payments or refinance and they told me I was not eligible. Since graduation in XX/XX/XXXX I have made consistent payments. When I reentered school for my XXXX XXXX I went back to still paying {$25.00} a month to cover the interest. However, they are contacting myself and co-signer stating I am skipping payments. Also my payments have gone up about {$10.00} a year since graduation. I call customer service and ask why and they state it just happens. Once again I have been told I can not refinance or lower payments in any way. My loan started at {$13000.00} and I still owe {$14000.00}. But they claim Im over half way paid off. They will not work with me and I can not afford for the payments to increase.
I applied for a pre-approval with XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding Mortgage Company. I explained to him up front XXXX ( my father ) and XXXX ( my boyfriend ) would be applying for the mortgage. I XXXX and XXXX ( my boyfriend ) would be living in the property my father would not. My father was willing to help us out in getting the loan. We provided XXXX with all the items he requested to get us pre-approved. 
On XX/XX/2017, he provided us with a pre-approval letter for {$140000.00} with 3.5 % down going FHA. We presented the pre-approval letter to our realtor and we went out to find a property. We liked XXXX in XXXX as we felt it was suited for us. We wrote a contract, ran the numbers over the phone with the lender, before we presented the contract to the seller. Seller reviewed and accepted the contract so we proceeded in retaining an Attorney, hired a home inspector and radon inspector. To date we have spent {$500.00} out of pocket for the inspections, provided {$1500.00} in earnest money, and not sure how much out of pocket we 'll be with the Attorney. 
After the inspection, we find out from XXXX the company he works for ca n't move forward with the loan. None of this make sense to us as he knew upfront what we were doing as we were upfront and honest. He came back and told us we could not purchase with 3.5 % down as my father and my boyfriend are not blood related and underwriting would not allow him. If we did want to purchase he said we 'd have to put down a hefty down payment. One which we do not have. If we would have known this upfront we would n't have spent the money to go hire a home inspector and release earnest money. We feel we were misled by XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding. 
I would like for New American Funding to return the costs associated with the home and radon inspection of {$500.00}. I am currently working with my Attorney to get my earnest money returned. I called the corporate offices of New American to file a complaint and requested to speak with XXXX Manager but never received a phone call from him. After waiting for several days, I called the corporate offices again and am disappointed on how this is being handled as if it 's like no one cares. I 'm still waiting for a call.
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I have closed account information : deemed as fraudulent. Actively preventing the true owner of this identity embarking on important verified business expenditures.

please return my credit to an acceptable state in order for redemption. 

Thank you.
On XXXX XXXX, 2017, US Bank closed my bank account with no notice to me whatsoever, via email, phone or mail. I only discovered it when I went in to check balance. When I called, I was treated extremely rudely, then told that I needed to go see the bank manager in person. Unfortunately, my nearest US bank is hundreds of miles away. They told me they would not help me speak to anyone further.
Company and attorneys are leavin messages saying they are going to press charges in my name for fruad because they have made electric deposits into my bank accounts of XXXX each. I dont have any bank accounts that have any amounts like tbat and im trying to establish an account and in my name and im not able too. Please i dont know where to start or what to do.
I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX  XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.
I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.
Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.
Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much.
In XXXX of 2018, I started getting calls from a company called " XXXX XXXX ''. I would get calls practically every day. The operator would represent that they are trying to collect a debt and immediately ask me for my personal information -- name, date of birth and address. On every call, I demanded a validation statement, and on every call, the operator would falsely claim that one had previously been mailed to me " many times ''. The operator would always refuse to give me any details of this alleged " debt ''. In fact, I know I have no unpaid bills, so this is bogus. Although " XXXX XXXX   '' seems to have a website and a physical address in California, these calls always come from anonymous mobile numbers. This is a scam where someone is trying to get my personal information by claiming a non-existent debt.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX Chase Credit Card and XXXX XXXX both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to XXXX delinquencies within the last three months, Chase Card & XXXX XXXX XXXX. 

Chase Card & XXXX XXXX XXXX Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help
The cfpb contacted Bank of America and you did n't resolve my Parent Plus loan of {$42000.00} problem. Your agency admitted that Bank of America added on origination fees of over {$10000.00} on a loan of {$20000.00}, plus interest totaling  XXXX  in less than one year. Bank of America owned the  XXXX  and it was supervised by   XXXX   XXXX    and  XXXX . All of these agencies are " highway robbers an thieves. There is not on government agency in America that has made the accountable. Bank of America refused to send my private attorney   XXXX   XXXX   the response letter. I do n't even have a copy ...
In closing I am a   XXXX   year  XXXX  patient with 10 years of payments and a remaining balance of {$25000.00}, is there any HELP in America?
Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason.
I was exercising my right of the Fair Credit Reporting Act, by disputing inaccurate information on my credit report by mail. Experian sent me a letter that my dispute was suspicious, and none of my dispute will be processed now or in the future and to call in my dispute or complete it online. I do not want to call or dispute online. It is my right to dispute my mail.
This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.
Our mortgage servicer, XXXX XXXX XXXX XXXX, reported a delinquent payment to a third party by means of a verification of mortgage. The payment in question falls within a 60-day RESPA period that occurred during a transfer of mortgage loan servicing earlier this year. The mortgage servicer acknowledges this but has declined to modify the verification of mortgage or provide a written explanation to the third party. This appears to be a violation of Reg X, 12 CFR 1024.33 ( c ) ( 1 ). which states that a during the 60-day RESPA period following the transfer of servicing of a mortgage loan, " a payment may not be treated as late for any purpose ''.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their own ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident. This failure on the part of Equifax to secure my personal information such as my SSN has now has cost me several hours, some money ( to freeze my credit with 4 bureaus ( including Equifax themselves ) and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future for the rest of my life. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Discover took over the loan from XXXX in XXXX XXXX. Initially, my student loan rate at XXXX was 6.25 % but Discover increased my rate to 6.5 % in XXXX XXXX when it assumed the XXXX portfolio w/o communicating the terms to me via email or by mail. When i graduated in XXXX XXXX I had applied for auto debit that should lower my rate by 0.25 %. They did not entertain that. Then again, I see that that they increased the rate to 6.625 % in XXXX XXXX. In XXXX XXXX, they have increased my rate to 6.875 % in XXXX XXXX, to 7 % in XXXX XXXX and now 7.125 % in XXXX XXXX. This is a rip off since this was a fixed term loan and not a variable interest loan. All this while, my credit scores are going up and the interest rates have gone done. So why is Discover abusing and charging more fees that they are not communicating to me directly via email or via phone or via mail when they have all my information? I need money back for this negligence at their end and credit for extra fees paid.
XX/XX/2017 I traded in my vehicle with with new dealership. Months later previous lender reported false information on my credit worthiness to the bureaus. It is now being reported I was 3 months behind on payments 3 months after DMV release of liability form was signed and submitted.New dealership has proved the previous lender cashed payoff check before they reported late payments
120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.
I did not know I had a loan through NAVIENT until I saw my credit score drop a large amount in XX/XX/XXXX. When I finally got a hold of them to learn about my account ( and create a login so I could actually access the account ) they were going to send it to collections or I needed to start paying right away. I found out that they were sending messages to my school email that I didnt have access to after I graduated. Because of this delay, I was not able to start paying off the loan until XX/XX/XXXX, six months after my loan payments should have started. They had my cell phone number and my parents address but never attempted to call me or send anything in the mail. When I tried to fight my credit score drop with them, they responded that their information was accurate and that there was nothing that I could do ( XX/XX/XXXX ). I also did not hear about their response until about a month after the document was dated because it was sent to an inbox that I did not know existed within their website. I did not receive an email ( to the updated email I gave them ) or phone call letting me know that I had a new message waiting to be opened. The way they handle their accounts is unethical and unprofessional. I went to college to get a degree to better my career, not be blindsided by a company who wants to make as much money they can and not care about those affected.
My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX   XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that Reliance First Capital requested it and they are just the contracted agency and they work for Reliance. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither Reliance nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit. 

This is FRAUD.