WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my XXXX mortgage payment on XXXX XXXX and confirmed the payment was received and processed by Seneca on XXXX XXXX. My mortgage is now being reported as late to my Credit Report which is false and XXXX is harassing me my phone to demand payment. I still have not received any documentation from Seneca about redirecting my monthly payments. I received an odd e-mail from XXXX Mortgage on XX/XX/XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with Seneca Mortgage, they have proved to be a disorganized mess. I have not received any information from Seneca about the transfer and I have not received the package that XXXX claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by Seneca. XXXX has not responded. I had a similar issue the first year of my mortgage ( XX/XX/XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX XXXX XXXX. Unlike Seneca, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach Seneca 's joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to Seneca. My mortgage is up to date and should not now being reported as past due.
I took out a loan with XXXX XXXX, since then they have made it impossible to be able to afford the payments. My XXXX year old Grandmother who is XXXX on a fixed income co-signed for the loan. I have been asking for a payment that I can afford since the start of the loan because they make it unaffordable for both me and my grandmother to afford. I have asked them to stop calling her house because of the amount of stress that she is under after having a XXXX she can not take the harassment. I have tried to afford the payments but my job does not pay me enough and right now they are asking for 60 % of my check which leave me with a limited amount for rent, food gas car payment etc. They pretend to help but every time you call they tell you something different. They are purposely putting me in a position that is in place for me to continue to fall behind. I have asked them over and over for a lower payment and they keep giving me ones that I cant afford. I feel like I have no choice to except them because they are saying that its the only option. In the meantime they continue to tack on fees and try to get me to defer my loan which also tacks on fees. I would like them to take my grandmother off as a cosigner because I'm afraid that the stress will cause her to have another XXXX. the phone calls and letters are endless. I have told them that I need affordable payments over and over to no avail. They, set you up to fail by giving your 3 separate which makes it easy for them to give you payments that they know you cant afford. I would like to have one loan instead of 3. This is pure predatory lending on there part. I want to pay off my debt but I find it impossible because the more I pay the more fees that tack on because I can't keep up with the payments because I barely make enough to survive. I have a loan with the Federal government loan that I am trying to pay as well but, the fact that XXXX XXXX continues to try to take advantage of me is making it harder to survive.
I have a Wells Fargo Home Projects Card and my normal monthly due date is XXXX of each month. 

In XX/XX/XXXX, I thought I had missed the scheduled payment that was due on XX/XX/XXXX so I submitted a payment on XX/XX/XXXX. I realized later that I had made this payment earlier in the month. Since the billing date is approximately XX/XX/XXXX for the XXXX due cycle, I called customer service and asked if it would be possible to back of the XX/XX/XXXX payment and reapply it as payment for the XX/XX/XXXX monthly. During this call I was advised they would facilitate the request. I was not told how long this would take and was unable to obtain any written confirmation, but I was assured this adjustment would be reflected on my next Statement and this would be record of the correction being made. Needless to say, that didnt happen. First I was assessed a late charge and then the XXXX statement cycle reflected I was past due. 

This prompted another call with customer service and still I was unable to get resolution. When I asked if I had to complain to the BCFP and OCC to get resolution, the customer service agent transferred me to the Executive Office. Apparently defrauding customers to meet sales targets is not the only issue that prompts this stellar organization from sending me to the damage control team these days. ( sarcasm intended here! ) Its now XX/XX/XXXX and I can only report that the late charge was reversed. Since I fear a 30 day mark will result on the " missing '' payment while I continue waiting for resolution, I decided to make a payment. ( Heaven knows I don't want to try and resolve THAT issue with this organization! ) If I knew this fraudulent organization was going to jerk me around so hard, I would never had made the request and chalked this up to a shame on me. Or even better, maybe they could have ( should have ) just told me my request was not possible. What I was hoping to be a routine customer service matter has turned into a complete fiasco. 

Their case # XXXX. 

In closing, I guess it could be worse ; I could have been a victim of ID Theft and realized a fraud deposit account had been opened there by an employee trying to make unrealistic cross-sell targets. SMH.
The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.
The Navy Federal Credit Union refused access to my husband 's account due to a nearly 30 year old debt incurred by his ex-wife. Subsequently, the money was garnished from his account when we questions the validity of the debt. I called Navy Federal 's collection department and spoke with a very rude man who hung up on me. This entire incident was reported to Navy Federal, the representative apologized but said she was unable to assist or have the money returned. I recently learned that their was a civil claim filed against Navy Federal, would this situation warrant legal action on my part?
My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my XXXX.
To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. 
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. 
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
Barclay card will not let me get access to my data through third party services. It is my info and I want to use another service to manage my finances and they are blocking it
On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.
APPLIED FOR CREDIT CARD FROM  XXXX   XXXX , RECEIVED LETTER DATED  XXXX   XXXX ,2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( TRANSUNION,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR 14 YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.
I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..
My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.
After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.
On XXXX XXXX, 2015 I XXXX XXXX XXXX opened up a CHECKING and SAVINGS ACNT AT SUN TRUST BANK BRANCH XXXX nc XXXX, CSR XXXX XXXX XXXX XXXX. She did not give me all my bank opening ACNT PAPERS nor MY beneficiary page in WHICH SHE DEMANDED MY CHILDRENS SS #, DOB AND NCDL #, JUST FOR THEM BEING THE BENEFICIARIES ON MY ACNTS, SO I WENT BACK THE XXXX, withdrew {$350.00} from each ACNT CHECKING and SAVINGS WITH NO PROBLEMS THEN ON XXXX XXXX, 2015 SUNTRUST BLOCKED ME OUT OF MY ACNTS AND PLACED " A NO DEBIT STATUS '' ON MY ACNTS AND TOLD ME THEY WERE CLOSING MY ACNTS BUT I HAVE {$50.00} in each ACNT AND WAS TOLD THEY CANT GIVE ME A TIME FRAME ON HOW LONG IT WILL TAKE FORM THWM TO MAIL ME CHECKS FOR MY TOTAL OF {$100.00} combined money in my aunts that was CASH DEPOSITED IN THE FIRST PLACE ON XXXX XXXX, 2015. HOW IS THAT NOT STEALING, BANK MONEY LAUNDERING, FRAUD ON THE BANKS PART BY XXXX XXXX XXXX CSR XXXX BRANCH!!! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago. 

I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!
Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from my credit report.
My name is attached to a loan I never signed for or agreed to. The promissory note does not have my signature on it and after dealing with the company for over 11 years now I have reached a stall. They refused the fraud packet I filled out in 2006, They continue to contact me but have blocked me from contacting them. I have reached out to XXXX XXXX of PA and XXXX  XXXX of NE with no change. I have contacted the three reporting agencies of credit and they refuse to look into it. I have contacted a private attorney and they want XXXX to start with. The loan I am attached to is under 10000.00. I have contacted the state attorney General for NE and PA with no response. The American Education Services has lied to me at every turn and they know they have my credit hostage. They are a part of the government and have no Bussiness dealing with private student loans but they paid off who ever to get the contract. They continue to scam and no one will question what they are doing. I just want my name removed from the loan and my credit restored.
I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & # XXXX on XX/XX/2018. I asked by letter accounts XXXX  XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX rep on XX/XX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.
After pulling my credit report I noticed there was an account from Diversified Consulta I called the company explained that it did not belong to me and they explained I needed to file a fraud acct which I did after filing it I called back and they told me I had to wait 90 days before it would be resolved. They are just giving me the hardest time trying to get this matter cleared up I have a mortgage pending and 90 days is not acceptable I called back and ask if I could get any information about the account showing that I have filed fraud charges and they told me no I just needed to wait. I spoke with XXXX XXXX XXXX and filed a fraud claim for them as well and they have are telling me the same thing. According to XXXX XXXX XXXX this account was open at a different address than mines for the amount of {$890.00} also the dates is XX/XX/2016 to XX/XX/2016 and I was under a lease at my current address at that time I want this deleted and removed from my credit immediately.
On XX/XX/XXXX I contacted a number I found in an article on XXXX regarding a student loan forgiveness program. I spoke to a young man named XXXX. He gave me a direct number of XXXX. He logged into my student loan information online and told me I was approved for a relief program. I would pay {$13.00} and some odd cents for 102 months. After those payments were on time the remaining student loan debt would be forgiven and my student loans would be payed off by his company. He told me his company would pay off XXXX and take over my debt. My payments would go directly to them. On XX/XX/XXXX, I noticed a withdraw to premier student loan center for {$180.00}. When I attempted to call the number given to me by XXXX, I was sent to a voicemail. I left my contact info and received a call back shortly. I was asked, " Are you interested in student loan forgiveness? '' When my answer was anything but " yes '' the call was immediately ended without explanation. This happened 3 different times with 3 different callers.
I feel like I have been scammed and am ashamed that I fell for it. I am just an honest woman trying to lower my bills and improve my credit score.
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, Experian, & XXXX have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
I filed a complaint about my brothers addresses showing up on my experian report and they refused to take them off. I provided my ssn, address, government photo Id, and a copy of the report with the addresses shown in highlighter. I mailed the letter certified with a receipt and made copies of the letter that was sent to them as proof. I informed the reporting agency that this was n't up to the standard for the fair credit reporting act and they still violated it.
Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.