WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a mortgage modification in XXXX, 2016 under XXXX. On XXXX XXXX, 2016 I spoke to a representative from my mortgage company ( Ocwen ) about the terms they were offering to me. I was told that the interest rate would be 2.0 %, the payment would be {$740.00}, the principal was {$160000.00}, and from the principal {$50000.00} would be forgiven, lowering the principal to {$110000.00}. I was also told that these figures would change SLIGHTLY after my XXXX trial payments were made and that I would get the final amounts after I had made XXXX out of the XXXX payments. They said they were unable to give me anything in writing until the trial payments were made. So I entered into the modification trial period. 
When I received my final modification documents, the slight change was that only about {$5000.00} would be forgiven each year for the first 3 years, and that {$33000.00} would be held in reserve and added to the principal upon sale or refinance. When I asked about this, I was told that the representative must have given me the wrong information and they were sorry. 
I feel that Ocwen deceived me and falsely enticed me to enter into XXXX set of terms, then after I agreed to the modification, they changed the terms. I believe this is a violation of XXXX XXXX, unfair and deceptive business practices, as well as a violation of my rights under the CFPB.
Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.
After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.
I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''
I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.
Two ( 2 ) working days before my closing date, my Mortgage Lender, Jersey Mortgage Company, changed my interest rate from 3.625 % to 5.125 %. I requested a complete verification of such impacting change ( over $ XXXX over the course of the loan ). But Mortgage Lender was not willing to correct the issues. Only a small credit was issue ( {$690.00} ).
I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.
I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything XXXX XXXX, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of XX/XX/2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically XXXX again the account to damage a consumer score more, a complaint has been filed against them as XXXX I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.
I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in my report.
Bank of American direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.
My complaint is against  XXXX  Credit Bureau and Equifax Credit Bureau. These credit reporting agencies continue to engage in unfair reporting practices.     I have disputed the following accounts to no avai l : 1.   XXXX   XXXX  - Account Number :  XXXX  ....   The creditor inaccurately reported the account as charged off when it fact it was paid directly to the company prior to being charged off. There were several inaccuracies in this reported account, and each time it was disputed,  XXXX  and Equifax allowed the company to keep changing their report instead of demanding actual proof and documentation of the account. The creditor initially reported this as an installment loan - which is was not. The balance was NEVER correct. And now the creditor is reporting it as paid in a settlement, when in fact - the correct and actual balance of the account was paid. Which was less than the creditor ever reported. Each time I disputed this account,   XXXX   and Equifax entered the dispute as being a " Not My Account '' dispute and then came back saying it was " verified as my account '' I knew it was my account, however the details were incorrect. I used the online method, as well as calling the bureau directly.   Because of these disputes, the creditor continued to say it was my account. At this point it is still reporting incorrectly and the creditor agreed to remove the account totally from my credit report. I am asking   XXXX   to request the full documented history on the account instead of just electronically verifying the ownership. This account should be removed as promised.     2.   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....   This company entered a fraudulent judgment against me for an amount I never owed. The courts verified this and the judge therefore vacated the judgment in its ' entirety. This account was supposed to removed from my credit report completely. I sent  XXXX  and Equifax documentation concerning this account, including the judge 's orders and they still continue to report this account as verified as accurate. They allowed the creditor "  XXXX    XXXX   '' to continue to report this as an open and unpaid account for several months after this was resolved. I have suffered enormous damage as a result of the inaccurate reporting that  XXXX  and Equifax continue to say was " verified as accurate. '' How was this verified as accurate when I sent the judge 's orders, as well as receipts from the creditors attorney - months ago. Most recently now  XXXX  simply updated it and change the balance to  XXXX .     XXXX   and Equifax needs to request the complete history of this account, including all documentation from the attorney etc, and this will prove that the company participated in fraudulent reporting on behalf.   This derogatory account is supposed to be completely removed from my credit report.
I inherited my sister 's house, and took up payments on the Mortage from Planet Home Lending. The very first time I contacted them, they tried to refuse my payment and kept saying they were going to foreclose. It was only after I said I 'd report them that they agreed to accept a payment.
Time went by and I made another payment which was rejected by my bank for insufficient funds but I did not know it even happened. Planet Home Lending never contacted me to say the money was rejected. 
I got behind on payments, then in XXXX I got a letter saying I was in a 45 PRE foreclosure. The letter was dated XX/XX/XXXX. 
As I read down on the letter, it said PAST DUE AMOUNT {$2200.00} Representing payments from XX/XX/XXXX to XX/XX/XXXX. I got that letter on XX/XX/XXXX!!! They also added Late Charge of {$8.00} Bad check fee of {$25.00} and something called XXXX XXXX. {$42.00} I raised most of the money and contacted them to try and make a payment, but they refused and said I was in FULL foreclosure, they also denied that they sent the letter to me. I went to a bank and had the letter witnessed and notarized on XX/XX/XXXX Today!!! 3 Assistant managers witnessed the document, and they all said the same thing. How can you be owing a late payment on XXXX and XXXX when the letter was only sent out in XXXX?. 
I called them again and again only to be told that the house was in foreclosure, but I was required to pay them the money I had on hand. 
I retained the original with the XXXX XXXX from the bank ( XXXX ) seal on it.
We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.
I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you
I recently checked my credit and noticed my 2 capital one credit cards reporting me 60 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays XXXX they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease.
Chase processed the debits before the credits and charged me XXXX overdraft fees for {$34.00} each
I am writing regarding this fraudulent company threatening and harassing me regarding an amount owed for the XXXX XXXX XXXX XXXX XXXX XXXX   for a property I have never owned and do not reside in. I have no ownership or responsibility to this property and I am demanding this business cease and desist further communication, delete my information from their database and correct all erroneous reporting with any credit bureau or agency that your business have provided FALSE information regarding me immediately. 

This is not my debt and I am very frustrated with your shady business practices.
XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
We have a Health Savings Account ( HSA ) with UMB Bank. In XXXX 2015 we tried to contribute to the account by electronic transfer. The UMB website froze during the process, so we started the transfer again. The bank then processed XXXX transfers resulting in an excess contribution. We contacted the bank about the excess contribution and they said we had to mail or fax a form for the refund and a {$15.00} fee would be charged and a refund would sent by check. We submitted the form and about a week later the account was debited for the over contributed amount plus interest and the fee was deducted from the account. We waited 10 days and did no receive a check. We contacted the bank and were told that a check had not yet been issued and contact them again at the end of the month if we did not receive the check because they were busy and can take up to thirty days to refund the money. Meanwhile no interest is being paid to us on the amount. They were not too busy to debit the account and charge a fee! A business practice to remove money from an account and the hold it for up to 30 days without interest seems unfair and poor treatment of their customers.
It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XXXX of 2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
I received an email today from Wells Fargo thanking me for opening a business account. I did not open the account. I am concerned because I know that Wells Fargo has a history of doing this. I called and spoke to 2 people over 30 minutes and they could not help me. I was told they would refer this to the Business Case Management Team.
I was not given any notification on the status of my loan, when I spoke with a representative today to obtain a reinstatement amount I was told that that since my vehicle has been repossessed it will be 24-48 hours before the amount is available. I was also told that a cease and desist was received. Wells Fargo Dealer Services has made violations in the past with regard to collection on this debt they have disclosed my loan status to a friend in order to obtain information. They have also misrepresented themselves as a prospective employer in order to gain information. This time they have searched a non affiliated party to the loan to obtain the location of the vehicle. They have used in the past the tow truck company the killed one of their consumers in a vehicle chase. I would not doubt that they would go to any lengths to make money. They get away with this time and time again. I know I am not the only one.
This complaint is also related/reference to CFPB complaint # XXXX XXXX XXXX XXXX ( documents were already uploaded onto the above case ) I am writing to file an complaint against Trans Union and XXXX for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when XXXX, did not provide sufficient requested info to back up their claim. 
Allowing XXXX attempt to " re-age '' negative trade-line, a violation, even in situation when XXXX failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with TransUnion, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by XXXX. 

TransUnion and XXXX could not provided any solid documents to back up their claims. XXXX, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

TransUnion further let XXXX to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to XXXX ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by XXXX to be removed from my credit report. Thank you.
A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.
I currently have a mortgage with Flagstar bank for a property in the USVI.  I was a victim of hurricane Maria. The property was hit very hard, I lost the door, roof and all patio 's and decks. The property was insured through XXXX XXXX. It took a year of battling to finally get them to pay the claim, I received the check which was payable to myself and Flagstar Bank. When reaching out to Flagstar concerning the funds, they refused to endorse the check indicating it was " mutually vested interest '' to only release portions of these funds. I would like it to be said that I have never been late on a mortgage payment, I did rebuild the property to somewhat safety standards and have spent almost {$100000.00} out of my own pocket to date and have still not gotten the insurance to pay for emergency expense, contents nor additional living. Flagstar to date has yet to contribute anything, not a contractor name, not a waiver of a  mortgage payment, nothing but resistance. 

We agreed via email that if I endorsed the check to them, they would release 50 % of the funds with 3 days of receipt. They received the endorsed check on XXXX-18 @ XXXX XXXX. 

The only correspondence has been an email indicating the funds will be released no later than XXXX-18 and an email to myself and a contractor I've never used asking for company tax information. 

There is nothing contractually stating they can not release the funds in full to allow for the property to be rebuilt. We agreed prior to my endorsement that the funds would be released within 3 days. I would also like it noted, the funds they are in possession of are more than I owe them for the contract. 

No one should have to go through a category 5 hurricane, loose their home and all property. No one should ever have to battle with their insurance company for over a year to get them to pay a legitimate claim. No one should have to battle with their mortgage company to get them to release funds that they have no entitlement to in the name of making money off the interest off of peoples demise. I have lived up more than my end of the contract and was expecting them to do the same. 

NO ONE should have to go through the stress this has caused in the name of money.
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 2017
I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored.
Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.