WillisBack/dataset-financial-user-claim huggingface dataset:
I logged into my navient account in XX/XX/2018 to make my normal monthly payment as I always do. I was not past due or anything abnormal. I went to make my payment and my total due said {$0.00}. I was very confused as to why it said my monthly payment of {$270.00} was showing nothing due at this time. I decided to call navient to see what was going on. The customer service rep said oh we are giving you a disaster relief forbearance. I was totally confused. I said what was the disaster? She said due to the fires that were currently happening in california they decided to turn off my account and give me 3 months of no payments to help me out. I told her that I did not request this and did not receive any email or letter in the mail about it. I made sure to ask her if I would be penalized for it i chose not to pay within those 3 months or if i would be charged any crazy interest or anything like that. She assured me that my account was completely turned off and it would not be accruing any interest and to resume payments in XXXX as normal. XXXX came around and i logged in and made my normal payment. I made another payment in XXXX as well as XXXX. I go log in this month to make my XXXX payment and I happen to notice that my account balance has not gone down whatsoever. I look at my payment history. For XXXX i paid a remaining balance of {$120.00}. ( i chose to pay {$150.00} in XXXX when my account was turned off ) The entire amount went to interest. For XXXX i made a payment of {$270.00} and the entire amount went to interest. For XXXX i made a payment of {$270.00} and only {$30.00} went to principle. I called navient and asked them why i had made payments totaling {$670.00} and only {$30.00} went to principle. they had responded saying its because my account was turned off and i owe back interest. I told them i spoke to a representative that did not give me the option whether or not to turn off my account and that it was their decision without even informing me and now im being penalized for capital interest. I told them to reverse the charges and they refused. they also told me my loan was extended for 3 months due to the account being turned off. i was furious and they basically told me there was nothing they could do. i feel completely scammed.
The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.
XXXX XXXX, XXXX, CA at XXXX continues to call a XXXX XXXX at my new phone number of XXXX. 
I have recently obtained this phone number and receive debt calls for a XXXX XXXX. I have requested " nicely '' to have them remove my phone number from their collection list. Today I received another at XXXX XXXX after TWO REQUESTS to remove XXXX from their call list. 
What do I need to do to stop this harassment.
XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX.
ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.
I have had a Capital one /Saks store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that Capital one /Saks are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX. 

We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX  on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded. 

I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me. 

XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX XXXX, as Legal Title Trustee c/o Specialized Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX has filed a mortgage foreclosure against me and I never executed any agreement with them nor can XXXX XXXX XXXX XXXX furnish documents from the original creditor enclosing my on time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX as Legal Trustee do not have the following legal authority : 1. Collect payments from borrowers 2.  Initiate nor have discretion to authorize a mortgage foreclosure 3. Reluctant to oversee mortgage servicers to confirm if the foreclosure has merit.

4. Does not manage or maintain properties in foreclosure 5. Not responsible for the approval of any loan modifications 6.  In short, XXXX XXXX XXXX XXXX XXXX DO NOT have no advance knowledge of payment history nor the clear chain of title from the originator creditor demanding XXXX XXXX XXXX XXXX and servicers to execute foreclosure for payment. 

Plain and simple, XXXX XXXX  as Trustee does not exist thru my discover. 
1. The " Trust '' NEVER entered into any transaction in which the Trust paid for assets. Nor have any third parties SLS ( Specialized Loan Servicing, LLC ) executed monetary interest. 
2. Through deception, XXXX XXXX XXXX XXXX never execute foreclosures. They use servicer 's to conduct the dirty work to deceive consumers. 

This is not a duplicated complaint ... .should all parties be reluctant to respond. 

My complaint is toward Servicers using XXXX XXXX XXXX XXXX as a shield from liability in fraudulent foreclosures.
This is to inform you that Specialized Loan Services approved me for a loan modification, but after 60 days, they have not recorded the note or notified me of the loan modification being completed on their part. 
I have made my monthly payments on time, but instead they have send me monthly statements that show higher payments than we had agreed to, unclear charges and attorney fees that are not part or listed on modification agreement. 
attached you will find copies of statements and loan modification. 
thank you for your help.
Equifax is reporting XXXX XXXX as an open delinquent account. This account should be closed and current. This account was paid off 5 years ago. Also Equifax is reporting XXXX XXXX as open past due. This account is also paid off. I have attached a copy of XXXX report that shows XXXX XXXX as closed current and Equifax report showing open delinquent. Please have Equifax to update their information on these XXXX accounts to report correctly. It is sad that this company ca n't seem to report anything right.
XXXX 2017 - contacted Kohls/CapOne @ listed #  XXXX  - advised representative that this was not an application I processed. Explained history of my reported identity theft in past and of my current fraud alert notification set on all  XXXX  credit bureaus. Representative confirmed they have no info with my SS # or Name/DOB on file for applications recently processed. They advised me to contact this service for removal of inquiry.
Hello, I want to freeze my credit with Equifax. I tried to do this over the phone, as I understand that this is the safest route. I received a message saying they ca n't process my request at this time. When I tried to freeze my credit online, I received a similar message. I do not want to send personal information through the mail to the Equifax address for credit freezes, which is this : Equifax Security Freeze XXXX  XXXX XXXX XXXX, Georgia XXXX That just seems like an open invitation to identity thieves
XXXX - Today I received a report from XXXX  notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, XXXX, XXXX and Equifax. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
When I open the citi bank checking and saving account in the end of XXXX, there is promotion : deposit more than 15,000 within 60 days, you will get {$400.00} bonus in 90 days. I did deposit $ 15000+ on XX/XX/XXXX. But I got nothing so far. Contacted them twice saying i am qualified, but just wait please. It's not acceptable
My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need help.
XXXX v. Nationstar ( Mr. Cooper ) See Case No.XXXX. XXXX illegally changed the UPB ; violated the terms of the PN and DOT, created and failed to correct flawed accounting, failed to produce the loan transfer dox, assignments etc. CFPB said in a phone call to me they really can't do anything and to get a lawyer. Maybe now, with the changes at the agency, some constructive resolution can be achieved. XXXX
I have had a XXXX XXXX credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. XXXX issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a XXXX representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore XXXX said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the XXXX account back to my credit file. 

I called an XXXX XXXX at TransUnion ( XXXX ) and he confirmed TransUnion had indeed removed the XXXX account from my file but that he could not reverse that action without a request from XXXX. 

I called XXXX at XXXX ( XXXX Ext XXXX ) and asked her to request of TransUnion that the file be unblocked and to reinstate the XXXX account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

TransUnion advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with XXXX as I would lose some XXXX points for air miles with XXXX 's XXXX XXXX. Additionally, although I still owe some money to XXXX on the old account ( not due until XX/XX/XXXX ) XXXX refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me XXXX can not communicate with me by mail any more. I have not yet received anything at all from XXXX in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
The collection company in question, DIVERSIFIED CONSULTANT, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$830.00}. The open date listed on my XXXX  credit report is XX/XX/XXXX which is incorrect. I was living and working abroad in XXXX XXXX during this time and the XXXX network is not even available in this country. I have a job offer letter to that proves this timeframe. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XXXX, XXXX, XXXX. I had the same issue with this account being listed on my XXXX credit file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.
I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.
I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!
My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account
This is our 2nd complaint on this file with CFPB. The initial complaint was not resolved, however it was closed out by CitiMortgage. Our current complaint is that CitiMortgage countered the buyer on our short sale on XX/XX/XXXX. Our buyer agreed to the counter offer on XX/XX/XXXX and we submitted the necessary documentation to CitiMortgage at that time. I then had to send numerous follow-ups to get a confirmation of receipt. After my 3rd request placed on XX/XX/XXXX our negotiator confirmed receipt and indicated she would work our file that day. On XX/XX/XXXX the negotiator indicated she was waiting on an internal document that pertained to the value to proceed and that it should be back " in about a week ''. On XX/XX/XXXX I was contacted by XXXX XXXX advising me she is the new contact on my file. On XX/XX/XXXXI hadn't received an update and asked for a status. I inquired how CitiMortgage could counter the buyer 's offer if they were waiting on an internal document that pertained to the value. My e-mail was rejected and it was then that I learned the file had been assigned to a new negotiator XXXX. I messaged him inquiring the same and although he responded it still doesn't make sense that a form pertaining to the value that is important enough to delay our file isn't on hand - yet they can counter the buyer 's offer. He indicated that the form that the previous negotiator ordered doesn't apply to our area of the country so he would order something else. I sent a follow-up on XX/XX/XXXX and was advised that there is no timeframe in which the document he has since requested will be provided. As of today our file still hasn't been approved - we are nearing 30 days from when the buyer accepted the counter offer.