WillisBack/dataset-financial-user-claim huggingface dataset:
Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!
Collector XXXX XXXX with XXXX XXXX contacted me, my father and my sister in law all in a matter of a few minutes. Left a voicemail for me and my sister in law stating there was allegations of fraud against me in my county 's district court. Spoke to my father and told him the same thing. The company does not have my permission to contact my family members and she has done so on numerous occasions ( XX/XX/XXXX and XX/XX/XXXX ). Only XX/XX/XXXX when she spoke to my sister in law she disclosed my personal information including my date of birth and address to her. These are violations under the Fair Credit Reporting Act.
XXXX XXXX -- -Sorry, I ca n't login to continue my complaint and have to go this route. PNC Bank " stole '' maintenance fees of {$7.00} per month out of my " FREE '' checking account since XXXX 2016 according to the Rep I spoke with on the phone. They never sent me " anything '' regarding changes to our agreement -- per their response to my ongoing complaint -- -their response to my complaint was " FALSE '' in all respects, I never received " ANY '' notice of " ANY '' changes to their policies, I PERSONALLY showed up at one of their branches and gave them my current address. Their " ACTUAL '' response was to eliminate my ability to access my account information online once they found out about my complaint with the CFPB and when I called to gain access, I found that every single record of my account had been " erased '' and my account had been " closed '' without my permission. PNC Bank owes me at least {$63.00} plus any penalties you wish to assess to them for all of their other clients that are suffering through the same circumstances I am.
Last XX/XX/XXXX I disputed and appealed a translation that was never resolved. This went on for almost 6 months. 

I contacted Ocwen in XX/XX/XXXX about a trial payment plan modification. It was approved but the dates were untimely and I asked fo relief. 

I spoke with Ocwen in XXXX and was advised to submit a new application for assistance and I did so on XX/XX/XXXX. I was told that the foreclosure would be on hold while the Ocwen underwriting reviewed my request. I had questions about the application for assistance that were never addressed or answered. 

I spoke with a Ocwen representative in early XXXX who told me they would get underwriting to review the questions and help me resolve the matter. 

I schedule a cal for XX/XX/XXXX and instead of getting help on the application or Ocwen reviewing my XX/XX/XXXX request, Ocwen informed me that the property has a sale dat of XX/XX/XXXX. This was doen after I was told that the sale date was on hold while the application was being considered and reviewed. 

I was asked to submit the application again to Ocwen who the representative XXXX ( XXXX ) knew of on XX/XX/XXXX and XXXX ( XXXX ) said there as no " imaging '' in the Ocwen system of the application or record of a review by underwriting.
I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XX/XX/XXXX. I went to buy a house XX/XX/XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XX/XX/XXXX, not XX/XX/XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
I am writing to dispute the following information in my file. XXXX XXXX XXXX XXXX a mortgage company reported the sale of property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full for less then full balance ) to prevent/avoid foreclosure.
XXXX XXXX XXXX illegally took from my bank account at XXXX XXXX bank {$1800.00} on XXXX XXXX, XXXX. They did not notify me ahead of time of the action taken and if I did have the right to dispute the money taken from my bank account. Also, I never received any legal order before XXXX XXXX XXXX taking the money. The money that they took from my bank account had been recently deposited from the social security because I recently came XXXX due to a XXXX XXXX. XXXX XXXX XXXX not only has affected me economically leaving my bank account in {$0.00} but also has affected my health. Since I have been having a very difficult situation for several years. I tried to solve the issue calling them several times as well as XXXX XXXX bank, even going on person but all they did was laugh at my requests. Please take action as soon as possible.
Underwent Foreclosure process back in XX/XX/XXXX and got a Loan modification under the Act 91, but due to other debt obligations ended up having to file Bankruptcy. During this course of Bankruptcy recently was discharged and I recently contacted DiTech ( partner with Green Tree Servicing LLC )  to request No Doc Loan Modification ( XX/XX/XXXX ) to enter into a new mortgage agreement and continuing paying in a timely fashion. But after continuing to contact them on a weekly/bi-weekly basis ... no one can provide details on my Loan Mod status ( called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). In the interim, I received Foreclosure papers in the mail that a Civil Compliant - Mortgage Foreclosure was filed by XXXX XXXX, Counsel ( XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) for Green Tree Servicing XXXX on XX/XX/XXXX ... which had the same exact documents filed from the original XX/XX/XXXX filing. 

They ignored my intention to undergo a Loan Modification and/or at least file with updated documents from current Loan and payments made ( from XX/XX/XXXX thru XX/XX/XXXX ).  Being in a much better position than in XX/XX/XXXX ( financial status and mindset ), and having made payments consistently through the Bankruptcy court system ... you'd think that they would prefer to re-enter into a new agreement, sale the loan and keep it moving ... instead of inducing all extra cost of filing for Foreclosure all over again. 

I am distraught, and all I am trying to do is regain a foot hold on my mortgage obligation and re-establish
I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines ....
Made payment to GE/XXXX/Synchrony Bank ahead of due date.  Due date was XX/XX/XXXX for $XXXX. Paid online $XXXX on XX/XX/XXXX. Received an email stating no payment received (XX/XX/XXXX.) Verified immediately with payment confirmation (XX/XX/XXXX), my bank (XX/XX/XXXX) and account online. Payment was received and processed.  I called Synchrony Bank (XX/XX/XXXX @ XXXX est.) Spoke with representative that could not help, except to remove late fee. Asked XXXX for manager. Spoke with Account Manager, XXXX (ID #:XXXX on XX/XX/XXXX @ XXXX est.) She said the account would be credited the late fee bringing it from past due amount of $XXXX down to $XXXX.  I stated, "How is that possible?" I only owe $XXXX for XX/XX/XXXX. She said I had to pay the late fee of $XXXX. It was in the XX/XX/XXXX Credit Card Laws. I stated, "You are penalizing a customer that pays ahead of time $XXXX." She said, "You have to pay it because you didn't wait for us to issue a statement." I replied, "How can you justify that? If you can, I'll pay it but you can't!" She said, "She has to do it with her credit cards so it's just the laws." I said, "Okay, I'll contact the Consumer Agency and see if that is correct because this is wrong."  We disconnected the call and I contacted FCPB. I spoke with XXXX (ID#XXXX.) She looked up the laws and could not find in the XX/XX/XXXX laws what XXXX was talking about. She offered to take my complaint but I chose online so I could attach the documents. Upon further research, I see that statements are generated on the XXXX. Payment was made on XXXX and received by them on the XXXX. Still, it is not right that I pay a penalty for paying the day they issue statements and they get their money the next day. Payment site also states: Please make payment by XXXX It does not stop you from paying before they issue a statement. This is not right!
I purchased my home in  XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was  XX/XX/XXXX . In  XX/XX/XXXX , I contacted the Illinois  Hardest Hit Fund  program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign.  Ditech  's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois  Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois  Hardest Hit agent   XXXX   XXXX  in the  XXXX  office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation.   Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing  Ditech i nstructing them to accept the payments from Illinois  Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech .  The dates that I have sent letters and faxes are  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have asked for an appeal as is my right with Illinois  Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.
we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.
While purchasing a new home from K. Hovnanian XXXX , L.L.C., I opted to use the builder 's mortgage company - K. Hovnanian American Mortgage ( KHAM ). I had four notable issues with KHAM : 1 ) Despite receiving a written confirmation of a scheduled closing date from the construction supervisor, I was repeatedly denied the opportunity to lock in my mortgage rate. KHAM would not allow me to lock in my rate, despite being within 60 days of the scheduled closing ( the earliest point that they would allow my rate to be locked ) until they received an update from the builder as to their progress. As a result, the interest rates increased and I was not able to lock my mortgage rate in at the rate I initially wanted to and locked in a substantially higher interest rate. 

2 ) After the closing date got pushed back due to the builder not being complete, the rate-lock that I had obtained expired. The builder, extended the rate-lock for an undefined period of time, at their own expense, while the construction issues were being resolved. After the construction issues were resolved and the builder declared they were not going to be paying for the rate extension any longer. KHAM then attempted to charge me a rate lock extension. I explicitly told them that I neither requested the initial rate lock nor wanted to pay for a new rate lock since the prevailing mortgage rate was identical to the rate I would be locked in at. After being told that the rate lock fee was their lender 's policy - I demanded to see a copy of that in the disclosure documents that had been provided to me. After they were unable to produce any documentation to substantiate or indicate that they disclosed this fee to me, they agreed to absorb/waive this fee. ( I believe this may be a UDAAP violation. ) 3 ) KHAM was in regular communication with the builder with regards to my personal finances, mortgage status, and other sensitive financial details without my consent. 

4 ) KHAM at one point demanded that I produce account statements for a trust account that I am neither a trustee on or a signatory on. While reviewing my financial statements, I disclosed that I received a substantial gift from my grandfather 's trust, that was currently in my mother 's name as the sole trustee. Despite that the fact that the money was wired from a XXXX XXXX Trust account to my XXXX XXXX Checking account - KHAM repeatedly refused to accept letters of attestation, copies of my bank statements, letters from the trustee, and communications from the banker who oversee the trust for XXXX XXXX as sufficient to " source '' the deposit. Despite repeatedly explaining that I did not have access to the account statements for the trust - since it was not my account - KHAM repeatedly demanded that I produce them for their review.
On XX/XX/2016 Discover placed an inquiry on my XXXX XXXX Credit report. I did not authorize Discover to get access to my credit report.
In XXXX I got XXXX loans from Aurora which meant I did not have to make a down payment. The first loan was at the current rate, and the second loan was at 12 %. In XXXX when the crash hit my business, I got behind on my first and second loans. When Aurora said I could apply for a modification, I asked if that would be for the first and the second. They said, " Let 's get the first modified, and then we 'll work on the second. '' So after modifying the first, I called to ask about the second, and was told that the first had been sold to Nationstar, and that the second was being " serviced '' by XXXX XXXX XXXX, with whom I 've tried to modify since XXXX. 

I had to file bankruptcy, and after several years, was finally in a position this summer to offer the original amount of my balance ( XXXX ) to Aurora, which I did in XXXX. They responded that they will only settle for the original balance plus interest and penalties, amounting to another XXXX, ( so XXXX total ) ... or I can make interest-free payments for 3 years and then return to the 12 % interest rate. I have repeatedly tried to call the number they gave me ( XXXX ) at which I only get recordings and can not leave a message. So today I found another number and left a message. Surprisingly, someone named XXXX XXXX called me back! When he could n't answer any of my questions, I asked who I could talk to about the fact that Aurora promised me a modification on the second, and instead is penalizing me for believing them! He told me he ca n't talk to me other than to say I can submit another offer higher than my XXXX offer, which is impossible! I absolutely made the best offer I could. So I asked to speak to an Aurora investor, or XXXX 's supervisor. XXXX put me on a " brief '' hold ( which is code for " maybe she will hang up if I take long enough '' ) ... and I waited and waited, for over 10 minutes. Finally he returned to the line and said his supervisor is in a meeting ( that only takes 2 minutes to find out! ), so I asked when I could talk to the supervisor. He then started to explain what a meeting was, and why I could n't talk to the supervisor now!!! I told him I want to know how/when I can speak to someone else, and he told me he has to hang up. THIS IS HOW THEY TREAT THEIR CUSTOMERS! They make it impossible to reach them, and when I do, the person I talk to has no authority, nor even any business acumen, and was actually rude! ( With latest political revelations about how some people view women, I 'm now wondering if I was dismissed because I 'm a woman, and an old XXXX at that ). I thought the law had changed, and these mortgagors are REQUIRED to provide access in person with a decision-maker or at least someone who 's not a robot! 

My desired solution is to settle with Aurora for {$50000.00} ( since now I do n't have XXXX as I did when I made the offer earlier this summer ) or to receive a modification of my original loan of {$110000.00} at a reasonable interest rate, and not to be charged for penalties and interest for my delinquency while waiting to see how they were going to " help '' me resolve things. I also want an apology for being dismissed and hung up on.
I have a credit card with Wellsfargo but never activated the card. it is linked to my bank and I have automatic payment on. However they decided to hit me with a late payment report that hurts my credit score. This incident is costing me money and would like to file a complain to have this late reporting taken off.
I am behind in making my monthly payment to Capitol One Credit Card. On 5 previous occasions, I have requested they not call me at work. It is against company policy to receive " personal '' calls at work. I have received XXXX written warning for receiving multiple calls from Capital One in a 2 week period. Calls at my place of employment were received from them on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. I verbally requested they stop calling me at work each time they called with the exception of XXXX/XXXX/16, on this date, I was chatting with them their web page and specifically asked them to stop calling me as I had been written up for personal calls. Again, today, XXXX/XXXX/16, I started receiving calls at work from them. I will AGAIN ask them not to call me at work but I would appreciate some guidance in getting this stopped. I would also like to mention, the on a daily basis, I receive 2 to 3 calls from them on my cell phone. I feel like I am being harassed by this company and desperately request your help in getting this stopped.
I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated
I purchased a tablet from XXXX which subsequently stopped working.I returned the tablet to XXXX and, unfortunately, I ordered a replacement.The replacement also stopped working.I returned the replacement, all at my expense, to say the least.I called the Customer Service department and informed them over a recorded conversation to not send me any more products from XXXX.Believe it or not, I received another tablet and returned it also at my expense. 
Later I receive a letter from a collection agency, namely Tate & Kirklin Associates ( XXXX, PA ) informing me that I owe {$170.00}, Original Creditor XXXX, Creditor XXXX, Account Number XXXX.I disputed the bill with the credit reporting agencies and after their investigation, I received the attached form from XXXX showing a XXXX balance.I thought after receiving this form from XXXX, that my nightmare was over.Not at all!!! And, yes, it is still listed as a disputed collection on my credit report.What good is the XXXX balance when it 's not reflected on my credit report as being in good standing? I know all of these predators are out to make money, but this is ridiculous.I would really appreciate your help in resolving this matter.I realize that the amount alledgedly " owed '' is n't a lot, but it 's a lot when the debt is n't mine. 


Thanks In Advance, XXXX