WillisBack/dataset-financial-user-claim huggingface dataset:
I was told my eagle home mortgage on XXXX that I am conditionally approved for a loan to purchase a new XXXX XXXX. I provided all the conditions they needed and thought everything was good to go. Then on XXXX which is 3 days before closing they told me I am now not approved because I have not been with my current job for 6 months. This is information they already had since day 1. They have wasted my time when I could have gone with another lender to begin with. Now I wont be able to close on my home and potentially lose out on the house all together because of their incompetence and lack of communication. Throughout the entire process that was started with pre approval on XXXX they have not been forthcoming in communicating with me. When I would ask for an update I would get excuses as to why my loan wasnt being worked on or further along. I have been told everything from management issues to was on vacation. I feel like they have caused me unnecessary stress and wasted my time.
The debtor is currently in the process of short selling her home. During the preliminary Title review, XXXX abstracts of judgments were found by FIA card services. Title contacted Attorney that file the Judgment and was informed that they no longer represent the client and that is now been serviced by Bank of America. We contacted Bank of America requesting a demand to settle this judgment and obtain a release. As a response we received a demand letter for {$6400.00}, however, in that demand there is not sufficient information to verify the following : 1 ) that this debt, in fact, is the ones mentioned on the judgements attached to the property 2 ) that in fact this amount will settle the XXXX judgments attached to the property. 3 ) that upon receipt of payment this company will send to debtor Acknowledgement and Satisfaction of Judgments 4 ) that Bank of America is the representative for FIA Card services. 
Since XX/XX/XXXX2016 we have been attempting to obtain the above clarification. Again and again, we have been informed to fax our request to the Legal Department handling this account. We have done so on multiple occasions. On XXXX I received a voicemail from the legal operations department stating that the demand we received is the only demand they use and that once they obtain payment they will further follow up on my request. As my supporting documents will show I have done everything I can to give this servicer the opportunity to resolve this case. Unfortunately, after over 2 months I need more assistance to resolve this issue. I also requested if they can not provide the information requested to provide me a release of the XXXX judgments in question. Today when I called and spoke to the Collections department 's manager and informed him that I need more assistance and will be forced to seek alternative assistance his reply was " do that ''.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.
I opened a claim for my pay going into the wrong debit card. I was told wells Fargo couldn't not help. A month later I was told the pay was debit from the wrong acct but I was never credited nor notified. I am now waiting 2 months for my pay and wells Fargo doesnt know where they put my money. {$960.00} .
My lender has made it so difficult to access the payment system that this is an active attempt to prevent people from paying their mortgage. They use a CAPTCHA system that frequently cuts off the verification string so it can not be entered correctly. On top of that, they permanently lock your account after XXXX failed attempts, forcing you to call customer service and hold for lengthy amounts of time for a representative to unlock it. They do not allow you to verify before they rush you off the call and, on more than XXXX occasion, they did not actually unlock my account, forcing me to repeat the process. I 've complained to the company and they simply do not care. This is a punitive system to force people into paying late fees or even default.
I need from Navient, my federal loan provider, information about the first payment plans I enrolled in right out of college. 

I have called twice ( XXXX XXXX, 2019 ) and this past week ( XXXX XXXX, 2019 ) and both times Navient told me they would sent a letter detailing all of the payment plans I have for my federal student loans for the past 10 years, especially the first few years. 

I have yet to receive this letter.
I keep getting unwanted phone solicitations from this company claiming to be chase bank to give me better credit options. These calls come on my personal phone during my work hours. The number they called me from was XXXX. They called me 3 different times in the same hour CST today XXXX18. Time 1 : XXXX ; Time XXXX. ; Time 3 : XXXX. I was unavailable working with my caseload when these calls occurred and it was very disruptive to my professional work ethic to be interrupted. I am on the national " Do Not Call '' list.
I am a victim of identity theft and I have filed a complaint with EXPERIAN Credit Bureau to have the fraudulent accounts that they have been reporting to be block. I have asked Experian Credit Bureau to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. 

This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. 

Their website is www.ercbpo.com
My husband died in XXXX. Our home loan was in his name only. Ocwen Loan Servicing LLC, required that I obtain " Letters of Administration '' to be able to speak to them about the loan. I did so. Then when I was in the process of applying for a loan modification there was a problem with one final document. My " Relationship Manager '' had mismarked an item on the document, I spoke to him and others about correcting the item to no avail. On XX/XX/XXXX Ocwen foreclosed on my home. When I learned of this in early XX/XX/XXXX I emailed every department in the company. The research department reached out to me wanting evidence of the issue I had that held up the application which, I provided to them. They then requested new documents with which to proceed with the modification, notifying me on XX/XX/XXXX " Please be informed that our records show that we received the documents on XX/XX/XXXX. Please allow 3-5 business days for the information to be reviewed to confirm we received all the necessary documents. In addition, we have referred the issue to the appropriate team who can take back the Foreclosure. '' Since that date, I have been told that my modification was " under review ''. My account page on the Ocwen website showed that the property had been foreclosed but that I was " under review '' as well. 
On XX/XX/XXXX, A gentleman knocked on my door, told me that he had bought my house, and showed me the Deed in his name. I verified it with the Assessor 's Office. So while I was " under review '', Ocwen both foreclosed and sold my home. I've contacted the Ombudsman for Ocwen and XXXX XXXX, each is looking into the matter. 
On XX/XX/XXXX I was served a 3-day Eviction Notice. I've called, left messages with Ocwen, emailed them, I've had no return contact as of yet. Tomorrow I'm meeting with XXXX XXXX XXXX hoping to fight the eviction at least long enough to get positive results from Ocwen. 
Any help you can be with this would be appreciated beyond words.
To whom it may concern, I have lived in my home from XX/XX/XXXX and I have paid my mortgage on time until XX/XX/XXXX when my husband was laid off and we started to fall behind on payments at that time we called the bank that had our home loan which is Bank of America to get a loan modification and they denied us so we still try to make a payment here and there but it still was not enough so we tired to get a loan modifation again and they only took off {$100.00} dollars for XXXX year and the next year it went back up by {$200.00} dollars. We called them and ask them why and they said it was because of the interest rate changing. So we tried to pay that amount but it was still hard to do. We have asked Bank of America to produce the wet ink note of our loan and they refuse to do so. So now they are trying to forclouse on our home and we are trying to apply for another loan modication and instead of them trying to help us they are trying to set a sale date. I know the law and they can not set a sale date while we are in the middle of another loan modification. Please can you help us. We are trying very hard to work with them. Thank you
I was XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received XXXX services. I went back to XXXX from my XXXX XXXX XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in XX/XX/XXXX, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX XXXX ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with TransUnion under XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX has now removed this item, and Trans Union is now showing as a collection and a balance due of {$70.00} with XXXX and not XXXX. Trans Union is not using due diligence and is ignoring both me and XXXX. 
I am attaching my XXXX Health report that states the following:1 ) Visit to Doctor XXXX : which XXXX has on their data records and which has been paid to XXXX of XXXX on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ) 2 ) Visit to XXXX XXXX : which XXXX has on their data records shown as Doctor XXXX XXXX which has been paid on XXXX XXXX XXXX upon my return from XXXX , which XXXX confirms payment for Doctor 's XXXX ( see XXXX attachment ). 
XXXX I am also attaching a billing statement from Doctor 's XXXX dated XX/XX/XXXX that also shows a {$0.00} balance!!!! 



There are no other visits to any XXXX since I was only home for XXXX weeks at a time and have been XXXX since XX/XX/XXXX. The XXXX Health report goes back to XX/XX/XXXX. 

Product_Or_Service : XXXX
On XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX andXX/XX/XXXX, the creditor name on this account was changed from XXXX to XXXX  on my Credit Report. I have attached a screenshot.
In 2010 I broke a lease with XXXX XXXX Apartments. I was wage garnished, and I paid XXXX for breaking the lease and XXXX for the damages and repairs. I have court documents that support the debt was legally sold to ( XXXX XXXX XXXX ), and paid in full. In XXXX of 2010 I applied for a home and was denied because I " supposedly '' owed I Q Data International, for the same debt that I already paid. I sent them the legal documents, and reported them to the credit bureaus, but the debt is still on my credit. I would like it removed because it should have never been on my credit XXXX. If anyone else is having this issue I want to join a class action suit, or maybe we can start one. XXXXXXXXXXXX I attached court documents that prove I have paid the debt, I also included directly from my XXXX Credit report the page where the debt comes up XXXX, with a XXXX dollar difference.
This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.
For the past two years, I have had a credit score of over 780. I had never missed a payment, ever. I have two open credit cards, one is a Cabelas Credit Club Card. I rarely used the card, only using it for emergencies. I have never had a late payment on it. When Capital One took over Cabelas Credit Club Card in early XX/XX/XXXX, they magically found a charge on my card from XX/XX/XXXX that was not paid. It is XX/XX/XXXX, and my credit score was  never impacted by this/this information never existed for two years. However, when Capital One took over, my credit score dropped 100 points to XXXX. I called Capital One, and I paid the balance of {$13.00} and closed the account. I am looking to buy a house and while my credit score is still good, it is not where it once was. It is just frustrating that this charge was " found '' this year. Nothing was done to remedy my credit score.
On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.
The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. 

I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. 

It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. 

I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned.
XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
I am so sorry, I just want to add to this case number. I pulled the Experian Report and I have XXXX accounts that should be deleted1- if you look at the first page, you can see Experian has documented the Bankruptcy filing on XXXX/XXXX/XXXX, OK2- The XXXX card from their own payment ledger that the last payment received was XXXX XXXX, its well over 7 years old, really XXXX and half XXXX. This needs to be deleted3- the XXXX account, I attached previously the XXXX report but reattached, they have it marked for removal XXXX, the Experian report shows the XXXX filed in a bankruptcy filing XXXX of XXXX??? they just make up dates, the only BK filing on the record is XXXX
submitted a dispute with the account XXXX number XXXX but Experian instead of addressing the disputed account they went a head and deleted a non disputed item XXXX  account number XXXX. 
so in other words they claim to have updated the disputed account without showing any form of vefication and deleted an account that was not disputed.
An account that was deleted off my transunion and XXXX credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. Transunion has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). XXXX has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.
I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.