WillisBack/dataset-financial-user-claim huggingface dataset:
I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down
I am a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.
On or aboutXX/XX/XXXX, I received correspondence from a debt collection agency named Affiliate Asset Solutions , LLC regarding an alleged medical debt in the amount of {$1300.00} for services rendered to my son on XX/XX/XXXX.
This was the first and only notice I received regarding this alleged debt. The correspondence identifies the original creditor as XXXX XXXX XXXX XXXX. While my son did visit the emergency room on XX/XX/XXXX, the only billing I have received which was covered by my insurance in the amount of {$1800.00}. On XX/XX/XXXX, I contacted XXXX XXXX Hospital in XXXX XXXX, PA who confirmed the amount of {$1800.00} was paid by my insurance.
I pulled my credit report to see if there was any collection activity related to this creditor and there is none. I do not believe I owe this debt. My insurance would have covered any medical costs. Thank you for your help in advance.
I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.
I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty. 
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now. 
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota. 
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.
My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.
I had an XXXX done XX/XX/2017 at a contracted facility ( XXXX XXXX ) with my medical provider XXXX XXXX XXXX and in order to process/pay this claim XXXX requested additional information which was never provided to them ( which is a requirement per their contract with them ) Also since the claim was over due it should have been put as a provider write off. 


This collection has brought down my credit score from XXXX to XXXX therefore I am unable to refinance my home to get a better rate.
I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.
Select Portafolio service illegally obtain a corporate asaiment froom XXXX XXXX, XXXX not have the chain of asaiments for that reason I request a teral federal investigation against all. ( 1 ) Select Portafolio service ( 2 ) XXXX ( 3 ) XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX the chain of asaiments is not complete and the original promesory mortgage note is loss or destroy du to loan been sold on XXXX XXXX .i sendsend letters to senator XXXX XXXX , XXXX XXXX , XXXX at XXXX and the president of united States Barack Obama whit code flag hardship, and alleged owner of the mortgage hire a Law By The name XXXX aka XXXX they ply guilty on felony of mortgage fraud.
They threaten to call the sheriff but didnt explain for what reason, they called my family memebers non-stop. They are calling me regular ding a debt from which is XXXX to XXXX  XXXX XXXX from 2005. I asked for more proof but non was given. Constant calls and harassment. During the entire beginning weeks of XX/XX/XXXX
Costco decided to change credit card company so they send me a citi card application which I refused, Never send the paper work never received a credit card and statement, went to costco where they said because I denied the credit card I have to call them again, I did not as I wanted to apply with a different credit card from XXXX. I received a statement from citi bank telling me I was delinquent on my bill ( Never received a credit card instruction on the credit card never saw this credit card ) until I received a statement stating I was late on my payment received penalties and fees I immediately called Citi Bank and told them I have NEVER accepted or signed an agreement for the card and did not even have that card in my possession We had a three way call with Costco which I cancel Costco membership. As I told citi card who wanted me to cancel the card I can not cancel a card who is not mine and a bill that I never saw before. They said they will take care of it.. 
Yesterday I received again the same bill from citi bank I am very scare my credit score is XXXX. I always followed the law and to see that a credit card company is able to issue me a credit card and ignore my right is beyond comprehension. I have the right to decline a card They have no right to send me a bill with late fee and penalties when I never saw or received a bill before??? 
I have citi bank credit cards which I will cancelled of course as I do not trust them anymore,XXXX of the credit card that I have accepted and signed for it years ago I have a XXXX balance.on it. being an excellent consumer did not phase they treated me without respect with regards XXXX
I have received over 27 emails from XXXX XXXX who is a representative from Midland Funding LLC. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 9 emails. From XX/XX/XXXX I received approximately 6 emails. All emails came from the same individual, XXXX XXXX. It is becoming a nonstop issue of harassment.
I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX
The issue is with CareCredit. Despite their own system showing discrepancies among my Account Balance of {$680.00} and my Promotional Account Balance of {$620.00}, which is a difference of only {$62.00} in late fees, the agent XXXX and his manager XXXX continued to insist that I owed them {$94.00} to bring my account current. When I asked why, they both said that they do n't calculate why I owed " that way. '' I replied, " then, there 's something wrong with you. '' I guess they do n't do it mathematically. I think their system had not updated yet, but they were not willing to update or correct, even for the sake of logic. 
So, in their website, there were discrepancies among my Current Balance, my Promotional Purchases Balance, and my monthly payment amount. Despite their admission that my initial balance was {$750.00}, and they had already credited my account for {$120.00} in payments from XXXX/XXXX/15 through XXXX/XXXX/15, putting my Promotional Purchase Balance as {$620.00}, and their admission that they had only charged me {$62.00} in late fees, making my Current Balance {$620.00} + {$62.00} = {$680.00} ; these customer service agents insisted that I owed them {$94.00}, instead of {$62.00} to bring my account current. They could not be bothered to correct their system, for the sake of logic!
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, Experian, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, Experian, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
cash central loan was bought by their subsidiary and paid off yet it is still showing on my XXXX and XXXX  credit reports as a negative account. I am being doubly credited on my credit account. one of the accounts needs to be removed
On or around XXXX XXXX, XXXX, I contacted Equifax and XXXX in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to Equifax and XXXX for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX. After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
I logged into my account on XX/XX/19. I made one payment of {$20.00} to cover a purchase I had just made on XXXX that day. Then I made a second payment of {$25.00} to satisfy the minimum payment due on XX/XX/19. Today, XX/XX/19, I logged into my account and it shows both of those payments have posted, however it still shows a minimum payment of {$25.00} due on XX/XX/19. I contacted customer service about this because I made two payments totaling {$45.00}, more than the minimum due. They refused to remove that minimum due, even though I already made my payment and it was more than the minimum due. They claim it was because I paid it too early. At the time I made those payments, it was already showing the {$25.00} due on XX/XX/19. How can I pay it too early? I saw the minimum due and made a payment. I feel like I am being penalized for paying my bill. So now, even though I've already paid {$45.00} towards my bill, they expect me to pay an additional {$25.00}. My minimum due is supposed to only be {$25.00}, but now they are making me pay {$70.00} total.
We were told to get behind on our payment for XXXX days in order to get a loan modification.Then after the XXXX days they would not do anything to assist us and immediately started the foreclosure process. After submitting the paperwork over and over again they kept saying our paperwork was outdated or lost. Every time we spoke to them we had to call them since we did not have a contact person for the loan modification, basically starting over every single time. 
Eventually we hired an attorney who was working with Chase attorneys to try to get the loan modified. This was a Robo signed loan which we knew before the robo signing was even settled. Their Attorney denied in court, under oath, that this was not a Robo signed loan. We then applied for hardest hit funds through XXXX which we were approved for $ XXXX. At XXXX they were working on it then they came back and said they do not participate in that program. We are still fighting to save our home XXXX years later after paying on it for XXXX years and raising our family. We have no equity left, still paying attorney fees, and possibly going to Supreme Court. 
All we wanted was a loan modification. 
We are now speaking to Neighborhood Housing in XXXX. Chase will not speak to XXXX either or give them a number to the legal department to work this out. We have other illegal things that Chase has done throughout this process that we would speak about at a later date.
I received an email on XX/XX/XXXX from American Express telling me the company had reduced my credit limit from {$1400.00} to {$800.00}. I had just paid down the balance on the card by {$1000.00} on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) with a plan to pay the balance down to {$0.00} in XXXX. I had unexpected medical expenses and home repairs at the end of XXXX that drove my balance up. However, I never missed a payment and never went over my credit limit. 

I contacted Amex customer service and they said the decision was triggered by their system and my account was under review by a team. I requested the credit limit not be reduced because they are hurting my credit standing overall by making this decision immediately after I paid down the balance. The customer service agent assured me that Amex cares which is the furthest thing from the truth.

I believe the way that Amex is managing their accounts is predatory in nature. I would like to see their practices of reducing credit lines audited. It appears they are trying to hurt customers who have done nothing but use their credit line and paid it down in a timely fashion.
I had made purchase of litecoin from Coinbase a few weeks ago paying their fees and their basic cost. I happened to check my bank statement and they withdrew XXXX usdt from my bank account overdrafting my account for an unauthorized payment of the same exact amount I had paid weeks prior. I had called and confronted them and they said they cant discuss it further with me and hung up on me. I am one of many who has had this happen to them. No purchase was authorized and nothing was given in exchange for my money.
I have an account on my credit report XXXX XXXX says it was opned in XXXX and now closed in XXXX. Explain to me how that 's possible. This is reporting incorrect information, and you the CFPB refuse to do anything about it. I also wanted to mention if Transunion is saying I have a bankruptcy, on my credit report. The way this is reporting is also wrong according to the federal bankruptcy laws & gt ; you can not have closed as Derogatory account on your report according to the federal bankruptcy laws Take a look at the way this is reporting Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Auto Lease Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Chapter XXXX ; dispute resolved/ consumer disagrees Payment History Latest Status : Unknown No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, TX XXXX
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.