WillisBack/dataset-financial-user-claim huggingface dataset:
i have been working with ocwen loan servicing to avoid foreclosure on my home. after mediation, our hamp modification deal was for me to make XXXX modification trial payments of XXXX due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX, due respectively. when that is satisfied we are to enter into an agreement that includes - according to an email from XXXX of ocwen -1 ) Interest rate of 2.0 % 2 ) Term of XXXX XXXX ) Modified unpaid principal balance of {$400000.00} ) Principle reduction of $ XXXXXXXXi have made those XXXX trial payments. 
however, the paperwork from ocwen outlining the new deal does not say they are offering principal reduction but does include a principal DEFERMENT with a balloon payment at the end of the life of the loan. it also includes a stipulation that i pay roughly {$1200.00} a month into an escrow account from which ocwen will pay municipal property taxes ( ok ) and homeowner 's insurance, although i have sent them a faxed copy and a hard copy of my homeowner 's insurance policy. 
i strongly believe ocwen 's attempt to manipulate the language of our agreement to change the meaning of our agreement is devious and fraudulent. their own representative offered a principal REDUCTION, not a deferment, and their legal representative was present at our modification meeting and signed the agreement that called for principal REDUCTION. 
thank you for your assistance in this matter.
contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.
The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.
I traded in a car as a down payment ; on a XXXX used car an everything was fine.The guy that sold me the vehicle at XXXX XXXX XXXX  ; Said XXXX XXXX would finance the car. An your payments would start XXXX ; XXXX ; ; XXXX. He said they would contact me to setup payments.Three months past still haven't hered anything ; Turns out they got my address wrong when they submitted it to XXXX XXXX so my billing was going to someone else an before I new it they came on my job to take the car as repossession. I never made a payment because the billing was going to another address.Now I have proof they got the addresses mixed up an they still won't return the vehicle trade in or compensate me for their error or mix up.I have all the proof you need on paper that it was a mix up.
I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. 
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? 
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.
We closed on our mortgage through XXXX on XXXX/XXXX/2016. Our first payment is due XXXX XXXX, and I received a random phone call on XXXX/XXXX/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due XXXX, then changed it to XXXX. When I go online it says XXXX/XXXX/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.
I have been trying to get " Account in dispute '' removed from my credit report for almost a year with no results. I am not disputing any accounts that are being reported as an dispute and never have. After sending multiple letters, all XXXX credit reporting agencies have responded with adding an additional remark that I am disputing.
Transunion has not removed! XXXX via XXXX XXXX multiple hard inquires XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1100.00} ( shown as {$1100.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement DO NOT constitute my ownership of the account
I submitted a complaint to you ( case # XXXX ). The bank responded that I needed to send an original copy of a trust a agreement. I sent them the agreement. They have not responded and will not return my phone calls.
I applied for a checking account with both USAA and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
The amount is inaccurate! I never received a final account statement from the apartments that sent this to collections. No one can provide proof of charges or an explanation. I 've tried explaining to them there is a serious error but was told get an attorney! I work in the apartment industry & know for a fact the amount on my credit is NOT accurate and down right ridiculous!
They are not verifying or updating my the accounts they just keep writing me back saying they have been verified. I 'm asking for original contracts, and they just keep sending credit reports. Some of the collection agencies have even written me saying they will no longer be reporting or asking for anymore money from this point on, but nothing is being updated.
I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.
I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.
IRS removed some federal tax liens ( from the XXXX County Clerks office ) that do not exist there and are not public record since they do n't exist. Transunion continues to list it as public record in my credit report.
For account  XXXX   XXXX   XXXX  I submitted timely all documentation to perform my annual recertification  for REPAYE , but FedLoan has refused  to process the paperwork. Instead they billed my closed bank account without my approval multiple times for over a  XXXX  dollars. I have lost at least  one  month of timely payment while working in the   XXXX   XXXX  , and they have confirmed that no one has even begun to work on my request nearly a month after submitting it. I reached out to the servicer multiple times, including their office of consumer advocacy, but they do nothing for me. Please help!
Complaint XXXX is not resolved. 

Company 's Response : Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 

Apparently, Equifax is in unable to comprehend what they read! Therefore, I will try it again. Maybe a picture will be easier for them to understand. ( attached ) WHAT INFORMATION IN THE ATTACHMENT DOES NOT MATCH YOUR RECORDS??? 

A RE-WRITE OF THE ORIGINAL COMPLAINT : On XX/XX/XXXX, I received an email from Equifax that my " Dispute has been completed '' ( document available ). The email instructs to click on a link to review the results ; But I am unable to pull-up the report on Equifaxs website ( error message screen-print available ). As a result, on XX/XX/XXXX I called Equifax 's customer service at XXXX ; The call duration was one-hour, twenty-seven minutes and twenty-seven seconds, which ended at XXXX XXXX XXXX. After repeated requests for assistance to sign onto the Equifax websiteThe agent hung-up on me without resolving my problem. Up to six-weeks ago I was able to log onto the Equifax website using the exact same credentials as I used on XX/XX/XXXX. For whatever reason Equifax refused to match my input credentials with their information.
My niece   XXXX   XXXX   using my Mothers ' name illegally, dated XX/XX/XXXX  &  XX/XX/XXXX  was able to receive several years of transactions of a joint account between myself and my Mother.
This fraudulent and identity theft action by my niece has caused a financial loss of approximately {$43000.00}.
CITIBANK has offered an apology for not contacting me of the invasion of my account, and the distribution of all the data without a subpoena.
My Mother passed away XX/XX/XXXX , thereby leaving me the sole owner of the account as the survivor.
correspondence letters attached.
Midland Funding has had my account past 7 years. Midland funding also forged an payment of {$10.00} on my account stating that was my last payment. That is not true. The continue to send me letters and it is pass the statue of limitations. I have file disputes with the credit agencies and also notified MCM Midland funding asking for proof of the {$10.00} no response. I also ask for this account to be deleted this account is 9 years old. I just receive a letter stating they are going to continue to report the debt as unpaid. When I called on XXXX/XXXX/16 they lied to me when they purchase the account while I was in the presence of an financial empowerment advisor dispute the collections. The representative at MCM finally admit that the credit was old after being caught in a lie. I receive an veiled threat letter XXXX/XXXX/16 from MCM by XXXX XXXX Division Manager of consumer Support Services at Midland funding by mail about my account by continuing to have my account label as negative remark unpaid for the rest of my life. MCM had my account over 7 years instead of deleting from my credit report. Midland Credit Management continue to leave a permanent scar on my life.
Recently filed a complaint ( # : XXXX ). Company agreed to " contact our client XXXX and they have agreed to write off the outstanding balance. We have removed our credit reporting entry and cancelled the account from our system. '' This has not been removed from my credit report, at all. 

This is not my debt, and I do not owe it. It should not be written on my credit report, and the company agreed to remove it. However, they have not kept up with their promise to remove.
On XXXX XXXX, 2017, I submitted an application to XXXX XXXX XXXX. Received an alert that an inquiry was also done by Wells Fargo. I did not authorize Wells Fargo to access my credit.
My loan was originally with XXXX XXXX XXXX. After putting in at least XXXX modification packets it was sold to a company called Selene Finance in XX/XX/XXXX. I received a letter stating that my most recent modification packet was also sent along with our loan. However of course Selene says it did n't receive the information so we had to resend a new packet to them. All of this information was sent and now we are being told after receiving a letter with a check off list of all the documents that were sent that they do n't have them and we are to overlook the letter. That 's not the worse part of my complaint. I have been told for the past few weeks that if I do n't allow a real estate agent in my home to take pictures that our modification wo n't even be considered. I was told on the phone on XXXX XXXX, 2015 that my house is valued at least around {$170000.00} so why in the same conversation you tell me that if we do n't allow someone inside to take pictures of the home you ca n't get an appraisal of the property but they continue to have someone show up at my home almost every other week since they took over the loan. I was also told last week on XXXX XXXX and on yesterday XXXX XXXX that I need to allow them in my home or my modification wo n't be looked at. I have never none this to be the only way to get an appraisal or even be able to be considered for a loan modification when you have everything that you need. I feel as if they have no interest in even doing a modification and for them not being able to come in my home and take pictures will be the excuse they do n't look at our packet and consider helping us save our home. I was told by XXXX to make a complaint here. I really hope it will help.
I received a letter from XXXX County on XXXX XXXX, XXXX stating that my property taxes had been requested from a mortgage company but, have not been paid. I contacted LoanCare on XXXX XXXX at XXXX central as I was listening the recording I discovered that I was past due. I spoke to XXXX # XXXX who argued with me about my past due status. She I asked her why I had not received any notices if I was past due? She verified my address, which was not correct. I asked who authorized a change in address ( which is not different from the collateral address ) she informed me that they had received returned mail and changed it to the forwarding address. I questioned why I would not receive a courtesy call before changing the address, there was no answer just an insincere trained apology. I was then transferred me to XXXX # XXXX who went to look into the problem of my past due and hung up or dropped the call. I called LoanCare back on XXXX XXXX at XXXX when I spoke to XXXX # XXXX who was very helpful and discovered that my XXXX payment was applied incorrectly by LoanCare to all principle. She informed me that they would have to reverse all the payments and then reapply them, reverse the late fee, and correct my address, all of these things would be corrected by XXXX XXXX She also said she would correct my credit by XXXX XXXX, and insured me I would receive a letter once complete. I then spoke to her about my original reason for the call my property taxes paid out of my escrow account. She said that she saw where their third party company XXXX requested the property tax information but, it was not paid. She told me that she would put in a request to add a line for the XXXX escrow and get them paid before the analysis in XXXX. She shared with me that this too would be complete by XXXX XXXX, XXXX. On XXXX XXXX, I called LoanCare again @ XXXX and left a call back number. I never received a call back. At XXXX I called again and spoke to XXXX XXXX XXXX he told me the address had been corrected, but the late fee and payment reversal had not been done that LoanCare was behind, he PROMISED me they would be done by XXXX XXXX. On XXXX XXXX, I called LoanCare and listened to the recording where I discovered that I was still past due, I still had a late fee, and I had paid {$0.00} in taxes for XXXX. I spoke to XXXX # XXXX who spoke to the credit department and once again PROMISED me that they were making the reversals " right now '' and the credit would be fixed in the morning. She told me she would call me in the morning between XXXX and XXXX central time to confirm it was fixed but, would have to forward my request to the escrow department. SHE DID NOT CALL. On XXXX XXXX, I received the escrow analysis in the mail ( the XXXX XXXX told me would n't be done until XXXX ) that included an overage check. Which I would not get if they would have paid my taxes. I have had no further contact.
Last year I sent a cease and desist letter to my lender. My account was in collections until I got my account current. Since XX/XX/XXXX, I was trying to reach someone because I want to settle the account. 

This credit line has almost 7 years and seems impossible to payoff. 

When I called, no one wanted to talk to me because of the cease and desist. Well ... I sent another letter, explaining and knowing that information can be given to me if I call. I know the law, I worked in XXXX. 

I requested to talk to a supervisor on XX/XX/XXXX, and I was told that she did not wanted to talk to me to " not waste my time ''. 

First, I was told that a contact number should be given, which I did in the letter sent on XX/XX/XXXX sent again on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called again and I was told that a notarized letter was needed to talk to me. SERIOUSLY? I feel like some kind of racism here. 

Why so much trouble ot settle and account? 

The interest in this loan is extremely high. I talked once because I wanted to be explained how the interest was calculated because it was fishy to me that my account was over {$3000.00}. Never less. 

I know, that in all my years of payment even with the hardship program, I 've paid the debt.
I received an alert regarding a negative account had been added to my credit report. When I called the credit bureaus, they told me the company was XXXX XXXX XXXX for {$550.00}. It shows this was opened in XX/XX/XXXX and reported on my credit XX/XX/XXXX. I told the credit bureaus that I have no knowledge of who these people are and I do not owe them nor have I had an account or any affiliations with them. I also stated that Ive never received any written communication from this company regarding an amount owed to them. I also noticed that they have this account as a charge off on my XXXX report which Ive never had any type of credit card or credit account with them. They also listed this same account on my Equifax and XXXX report under another name called XXXX XXXX XXXX. I spoke with the credit reporting agencies and was told this is the same company and is showing that XXXX XXXX was the original creditor which Ive never heard of, nor have I had any affiliations with them, nor have I receive any correspondence from them. First off if I owed this company, why wasnt I sent written notification? Secondly, seems like they are trying to ruin my credit by putting 2 different bogus accounts on my credit for the same bogus account. My next step is to send this to the FTC and attorney general because I dont see how they are allowed to do this. I take this matter very seriously as Ive already been a victim of identity theft once.