WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with Ocwen Loan. My payments just keep raising my payments. I asked for a loan modification and was told that I have to be late on my mortgage first. I did what they as asked. Ocwen denied me over and over again.This caused me to be late on my mortgage. I found out later that I could not get a HAMP XXXX DUE TO BEING LATE. Now they are saying they offered me a modifications. What they sent was the payments three times the amount of what I was paying THAT 'S NOT A MODIFICATION. THIS HAS GOING ON TOO LON LONG. My home is a XXXX account. It is a MORTGAGE BACK SECURITY, THE HOME IS NOT SECURED AND THEY ARE THREATENING FORECLOSURE. I just want help. 
Many of my payments did not get reported. They continue to add fees that are astronomical. PLEASE HELP
I have submitted numerous qualified written request to XXXX XXXX, XXXX, and Nationstar. Only Nationstar has sent XXXX notice that they are researching. Our problem began this past XXXX XXXX when we entered into an agreement to sell our home since we are relocating. Upon getting the payoff we were floored to discover an additional {$50000.00} attached to our payoff!! We learned from Nationstar that this is a corporate advance for a modification with XXXX in XXXX. We never signed a modification with XXXX in XXXX!!!! Nor did they ever send us paperwork. Had they sent us paperwork we would have realized something was way wrong. We signed XXXX modification with XXXX in XXXX at our kitchen table!! XXXX was already XXXX at the time but XXXX failed to properly document. We did reach out to XXXX in XXXX but nothing was ever resolved. The next thing we knew we were with Nationstar. The false modification came when payoff was requested. Nationstar emailed the modification paperwork to us. This was NEVER signed by us. XXXX falsified, forged, or copy-pasted signatures!! XXXX XXXX refuses to respond to inquiries although they claim they will all back. XXXX flat out does out respond. And Nationstar just gives auto responses that they are working to resolve the issue.
I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.
I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, XXXX & EQUIFAX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
I am a parent of a current undergrade that is paying off a loan, for my child, from XXXX/Navient. I have been paying " the interest '' on this loan for XXXX years now! I find this very ridiculous. now the company has split in XXXX and my account is listed under Navient. I want to know what is being done to stop XXXX/navient of all their wrong-doing for these types of loans! Sometimes the balance of the loan would go up instead of down! If you 're late, XXXX/Navient will harrasse you constantly!!!
My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. 

SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it back.
I can not understand why the CFPB was duped into believing the lies returned from my Mortgage Company -- -OCWEN , subsequent to CFPB Case inquiry as relating to my XXXX Compliant! 

CFPB should be well aware of OCWEN 's track record, and the parade of States which had sued OCWEN for wrongfull acts, including illegal foreclosures and victim homes from underfoot!! Yet, all OCWEN had to do to appease the CFPB by sending a packet of mistruths & inaccurate figures on a few dozen sheets of paper before the case was closed!?? 


I really expected more from the CFPB! 

Maybe find out where all the Millions of Court Fine dollars had gone in the wake of all the hand spanks Ocwen had received in the last ten years. 

More importantly, I want to know why I can't use any of those MILLIONs for my defense as a victim, instead of seeing 'Business as Usual ' for Ocwen
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
I paid Stellar Recovery phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named XXXX XXXX  saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.
I attempted to pay off my loan on XXXX/XXXX/2016. I received an email XXXX/XXXX/2016 that the bank was unable to find the account and my payment had not been processed. I called American Education Services to resolve the issue on XXXX/XXXX/2016. I was told although i had been paying for my loan for years with XXXX account, they had tried to charge an old bank account and that was why it did not process. After being on hold for thirty five minutes, I was told there was nothing they could do I would just have to wait for their system to clear the incorrect payment. I was told this could take a couple of days which at this point would add ten days of interest. The representative said it was " only a dollar or so and it was not that big of a deal. '' I think it is wrong that I paid the loan off on XXXX/XXXX/16 and can still be charged over a week of interest for a systematic error on their behalf. Putting the bank error aside, I tried to pay the loan off today over the phone and AES would not take my payment. I do not understand how i could be charged additional interest following today 's date because I tried to make the payment today and they would n't take it. Yes it may only be another XXXX cents, but this is completely unethical. I refuse to believe it is lawful for them to refuse a payment and then charge me interest until they feel like taking my payment? Please help me.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my Transunion dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my Transunion report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.
In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?
I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.
Equifax mishandled my information which has led to a breach that puts myself and a bunch of others at risk. I am extremely frustrated with how equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it by social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I initially attempted to apply for a personal loan for me and my wife through Avant. We submitted information under her name since Avant did not allow joint applications, and when we got to the end of the application it was asking to verify banking information. We attempted several times to verify the information to finalize the loan but we were getting error reports form the Avant website, and was eventually informed they could not process the request. This all started on XX/XX/XXXX. At this point we moved on to another company for our lending needs since the Avant website informed us they could not process our loan. on XX/XX/XXXX I got an email stating my loan had been approved through Avant and on XX/XX/XXXX {$9400.00} had been deposited to my checking account. I did not have time between XX/XX/XXXX and XX/XX/XXXX to stop the loan since I hadn't even checked me email that day due to personal things going on. I immediately submitted payment for the entire deposited amount on the same day, XX/XX/XXXX, and sent a request to Avant to cancel and/or refund the remaining fees that were about {$1000.00} since this loan was finalized by an error on their website. Over the next several weeks I had been in communication with Avant and they continued to tell me that the terms were clearly stated when I signed up for the loan and that I was responsible for the remaining pay-off amount despite the technical error on their part. There was a period of greater than one week between one request I made and their response. They made no attempt to rectify this issue, but only to point blame at me because of the terms I agreed to. I explained multiple times that I knew the terms and I was more than happy to move forward until their website informed me that they could not move forward with my request. I was simply seeking the remaining amount due on my loan be removed, even after I have already made a payment of over {$400.00} for nothing. I do not feel I should be out almost {$1000.00} dollars as a consumer for a technical error on a companies website. I received my final communication from them was on XX/XX/XXXX stating that again the terms of the loan were clear and that it was my responsibility to pay off all the fees associated with the loan even though it was a technical error and returned the deposited funds the same day from the loan.
To whom it may concern, My name is XXXX XXXX, and I have a serious complaint against GM Financial. My GM Account Number is XXXX. This complaint begins with the derogatory credit reporting of my XX/XX/2019 payment. 

I scheduled a payment on or around the XX/XX/2019. I  called GM Financial between the timeframes of XXXX  XXXX-XX/XX/2019, and there was no indication that there was a problem with the processing of the XX/XX/2019 payment. 

I received a called from GM Financial 's automated system on Monday the XX/XX/2019. I immediately returned the call. I reached a representative and from the beginning of the conversation the representative was clueless about the call from GM Financial. 

I advised the representative that I just received a call from the automated system. After a few minutes, the representative asked about the two payments that were past due. I advised the representative that I received a confirmation email that XXXX 's payment is confirmed. Letter from GM Financial was emailed to me on the XX/XX/2019 which provided Confirmation # XXXX dated XX/XX/2019. The letter even stated that no further action is required regarding this payment. 

There was no indication from GM Financial at the timeframes that I called indicating that there was a problem with processing XXXX 's payment. When I called, the representative advised me that the checking account number entered was incorrect. I entered the correct checking account number. There was no information from XXXX XXXX stating account number was incorrect. 

I did reach out to XXXX, but I did not feel that it was their error because I received a confirmation of payment received. I want my credit reporting corrected for the month of XX/XX/2019 because I made the payment on time. The support of my honesty is that I made the payment as soon as I arrived home on the XX/XX/2019.

Additionally, when I called to make the payment by phone before the XX/XX/2019, there is no specific information that was given in regards to charges for the online payment. I was advised at different times previously before this situation that there was a charge for web payments, and there is a charge via the automated system. 

The payment that was processed for me on the XX/XX/2019 was no charge. I used my debit card for this payment. Now if I would have known that there would be no charge for the online payment via debit card, this situation would not have happened I am looking forward to hearing from you in regards to the correction of my derogatory credit reporting for XX/XX/2019 by GM Financial. 
Thanks XXXX
In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.