WillisBack/dataset-financial-user-claim huggingface dataset:
I would Like to file a complaint on Discover card my son had opened up a credit card in my name Once I found out that a card was open up in my name filed a police report with my local police I did n't send the copy of the report to Discover due to the fact that I went ahead and Paid the card Office. Now Discover card is refusing to removed the Negative information from each of my credit File after sending them a copy of my police report. per the FDCPA / FCRA Consumer protection I feel that Discover card is in full violation of the federal Law I will be hiring XXXX Law Firm for Legal action if this matter is resolved
OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.
I have contacted Capital One numerous times dating back to XX/XX/XXXX most recent date of contact being XX/XX/XXXX. The representative that was assisting me stated that the account was previously sold to XXXX XXXX XXXX XXXX and then rebought by capital one once it was deemed fraud by the collection agency and will remain on my report until I provide fraud documentation. I mailed fraud documentation as requested and the company has still no deleted account from bureaus and is still reporting monthly. 
The account is a result of identity theft and I have no knowledge nor benefit from this account. I have requested that the account be deleted from all three credit reporting bureaus. The account balance is {$2200.00}
We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.
I signed up for Citibank 's " {$400.00} Checking Bonus with {$15000.00} Initial Deposit '' promotion via their promotional " Apply Now '' link on Citibank 's landing page and opened the " Citibank Account Package '' on XX/XX/XXXX. 
The XXXX deposit minimum was met on XX/XX/XXXX. 
The 30 consecutive days requirement was met on XX/XX/XXXX. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. 
It 's currently XX/XX/XXXX and no bonus has been posted to my account.
I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..
Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.
every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.
I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.
Like many Americans, my wife and I have been paying student loan debt for the last 17 years.     During the consolidation process in the  XXXX  's our loans got locked in with 7.8 % interest rate, even though some of the loans had lower interest rates we figured it would be easier to manage the loans.   After the consolidation process-I was paying between $ 500-600 dollars a month on my student loan but because of the 7.8 % interest rate and several forbearance periods on the loans, the initial principal balance kept growing out of control. Besides the interest growing out of control it was also hard to keep track of who was servicing the loans. The loan servicers kept changing for both my wife and I, from  XXXX   XXXX  to  XXXX   XXXX  to  XXXX  to Great Lakes, etc. we were not able to keep track of the payments we had made and the manner the loan servicer was applying for our payments. Each time the loan was sold or taken over by another servicer, they only showed the amounts from the time they received the loans and did not easily include past loan info from the other servic er ( s ). At one point a l ump sum payment in the amount of {$5000.00}, to my wives loan was completely applied just to interest and we saw no real drop in the amount owed.     My wife and I suffered a tremendous loss during the financial crises of   XXXX  . Our savings and business were practically demolished. It was at this point, I reached out to my loan servicer and asked if I could negotiate a lower interest rate for the student loans, but I was denied. I was told that since we had consolidated a few years earlier, we could not reconsolidate and there were no other plans or income repayment opportunities. My only recourse was forbearance or deferment. I realize there are a number of income repayment plans now available and that works for new student loan borrowers, but it does n't do any good for older student loan borrowers that got trapped during the financial crises. Most our loans are loaded with interest and without the ability to renegotiate.   Why is it that most banks got close to 0 % interest loans to pay down their debt during the financial crises of  XXXX - XXXX , and y et US Citizens with  student loan debt were not able to get refinancing and debt relief for whatever reason and were only provided with options that increased our debt load, and is keeping us tethered to unreasonable interest rates, unreasonable length of time for paying said debt and directly affecting our ability to purchase a home or property.
I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me.
On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.
Seterus told me if I paid an amount by a due date then my house would be out of foreclosure. I did & they kept invoicing me for " more $ ''. On three occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) their customer service employees told me to disregard the amount on the invoice as it takes their legal team several months to balance out. They confirmed that the money was n't owed. Today I learned that they filed foreclosure on me AGAIN for those legal fees from the XXXX foreclosure. WARNING!!!!! Seterus Customer Service Team is stearing you into foreclosure with their statements.
My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated
I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.
Sometime around XXXX of 2017 Equifax had a data breach and lost 143 million Americans personal data. I am one of them. It looks like the company sold a bunch if it 's stock as a reaction to this issue.
XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/2013 Account Status Closed
I disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...
During a kitchen remodel of my home which I purchased in 2000 a slow leak was discovered. The insurance adjuster came and saw the damage and submitted a check for XXXX. The mortgage company said they would apply that to my monthly payment and I was to use my regular monthly payment for materials and to pay the contractor. They did not uphold their end and my mortgage was delinquent. Later m they tried placing me in a loan modification program. It was back and forth with a document missing or lost in a fax stack, so the process had to start again. This continued for XXXX more times, until my home was auctioned without me having ant prior notice.
Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?
I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time
Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.
On  XXXX   XXXX ,   XXXX   I made two deposits to my business checking account at Bank of America  in   XXXX  Wa (  XXXX   XXXX   XXXX   XXXX   XXXX  Wa  XXXX   ) . Per usual, I was given a receipt for the deposits.     When reconciling my accountants later I noticed that   one deposit cleared but the deposit second deposit for {$11000.00} did not clear.
The next day I went into that same branch. The manager looked up the deposit. He verified that it was received and could track it several points in there system in that branch. He said he would send the information on to his " back office '' and they would work on it. I asked that they call me to update me daily. I did get one call a few days later to say they still had not found the   deposit. On  XXXX   XXXX , I did get a call back from an individual from Bank of America. She told me she worked hard on the issue for half of a day but could not find the deposit. I asked for them to credit my account and she told me that would not happen.     I have called and spoken with several people at Bank of America and still do not have the funds in my accoun t. Two differ ent individuals told me there was nothing they could do. They had no response when I stated the facts- I gave them the deposit, they gave me a receipt, they appear to have lost it on their watch- it should not be my problem.     I have called again today,  XXXX   XXXX , there is still no progress on the issue and I am still missing the {$11000.00} that I deposited.
Used XXXX through my banking app to transfer money for custom glass art that I was purchasing online. I sent {$500.00} XX/XX/XXXX and then another {$500.00} XX/XX/XXXX but didn't post until XX/XX/XXXX seller told me he received the money and that he would start the custom work and I would have a tracking number in a week and the art work in a week after receiving tracking number. A week went by and didn't hear anything I contact art seller and he informs me he q and s short on material and the art pieces will be done in the next few days and I'll be hearing from him. 3 days go by no phone calls or email so I call and his phone is disconnected and I can not reach him. I used XXXX through my bank and thought it was secure due to my bank offering it as a service no where did they disclose that there was no protection and that I should only send it to people I know personally. I called my bank to try to resolve the issue and they told me there's nothing they can do about it how can a bank offer services without protecting their customers or at least making it clear there's no protection for buying goods though Wells Fargo mobile app using XXXX
I am a day late on a payment I have been getting calls every day almost every other hour. The number come up as unknown and when I answer its always XXXX XXXX.
Experian is stating that my XXXX 2014 payment for the mortgage account XXXX with XXXX XXXX XXXX was 30 days past due. XXXX XXXX XXXX previously listed the payment due that month as past due incorrectly, but I worked with them to have the error fixed through a CFPB dispute earlier this year. I have a letter from XXXX XXXX XXXX that clearly states that this payment was not late - and the other two credit bureaus removed the late payment from my credit report, Experian is the only company that still shows this payment as late.
Submitted dispute to Equifax regarding an incorrect address on my credit report. 

I received an email that the dispute was resolved on XX/XX/XXXX, 2017. HOWEVER, when I tried to login to the Equifax website to see the status of the dispute and what now shows on my report, I was denied access due to " inaccurate '' information to verify my identity and they asked me a ton of questions verifying my identity and I do n't even feel comfortable giving them all this considering they just lost a TON of my data and others.
I ALSO tried calling and was repeatedly hung up on before I could ever get to a representative.
I want my credit information to be accurate and I saw this address on a different report which was successfully corrected. I do n't want my identity stolen.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,