WillisBack/dataset-financial-user-claim huggingface dataset:
My ex husband purchased a home on XXXX/XXXX/XXXX with only his credit utilized for the mortgage. I had a foreclosure the year prior and did not qualify for a loan on either a home or even a car. My ex husband signed the paperwork for the mortgage. On XXXX/XXXX/XXXX, my ex husband and I separated and he stopped making payments on his home that he lived in. We divorced on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my credit was affected by his delinquency and also on XXXX/XXXX/XXXX the Loancare mortgage was applied to my credit report even though the entire time my ex husband owned the home, the mortgage account never showed up on my credit report. I called Loancare and it took the customer support specialist over 20 minutes to locate " my initial '' on a part of the paperwork for the mortgage, even though back in the XXXX of XXXX, my ex husband had to give a verbal authorization for me to speak to Loancare about his loan, since I was not on the mortgage. I 'm filling this complaint because Loancare is fraudulently claiming i 'm on the mortgage my ex husband signed and is now damaging my credit. Below is the LoanCare address information. 
LoanCare Attn : Cashiering Department XXXX, VA XXXX Telephone Number Customer Service : XXXX
XXXX XXXX call a third part number XXXX and left a voicemail, detailing what I need to do, but not Identifying himself as debt collector or what collection agency he works for. This third part now knows my personal business. XXXX XXXX also called my number, and on the caller ID it was masked as private. He leave a voicemail, but again did not identifying himself as a debt collection. The only thing he stated was, there was a compliant file against me and to call XXXX and reference # XXXX before further action it taken against me. XXXX XXXX then called me at work and identified himself only as XXXX XXXX and tried to obtain personal information about. I asked if he was a debt collector and not to call me at work. He replied " Yes '' and " Why? ' I explained I could be terminated and XXXX XXXX proceeded to collect on the debt after he was given this information. XXXX XXXX actions are harassing and believe this collector/agency has violated FDCPA regulations.
OCWEN continues its deceptive and misleading servicing practices and refuses to correct errors on my mortgage bill statem ent. Ocwen charged me {$110.00} for a property valuation expense, mortgage account statement shows. OCWEN claims " the property valuation was completed i n response to a request for a loan modification, in which we needed to obtain a fair market value of the property ''. The question is not whether a request for mortgage assistance was submitted. The question is why am I charged {$110.00} for a property valuation when there was no advanced notice and consent given by me. I submitted a request for mortgage assistance. I did not request, accept, or approve of any valuation of the property, period. I had no idea a request for mortgage assistance automatically triggered a {$110.00} property valuation fee to my bill. This is a complete scam! OCWEN failed to give any advanced notice of a property valuation expense, or even ask for my consent. Please immediately remove the {$110.00} property valuation expense and send me a corrected mortgage statement.
On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks
My Mortgage company has been charging my account for escrow fees each year, which was not on my original loan. They started doing this when I was late in paying my taxes maybe three years ago. They charge {$12000.00} k a year. By them doing that It made it more harder on my behalf yo come up with my monthly dues. i already have complained about this but all they did was to spread the payment over 12 months. Which Is I didnt find a solution. I just want this company to stop collecting escrow fees which I know that you only pay escrow when you buy or sell a house. I could definitely pay for my own property tax, from this day forward. My equity just goes to the chzrges that they impose every year. I want this company to refund me all the payment I made for escrow fees. My equity is gone because of the fees theh charge each year.
Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..
XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.
In  XXXX , I had filed a claim in the amount of {$200.00} and was issued a temporary credit of {$200.00}. The claim was recently denied and the {$200.00} was taken back out of my account on XX/XX/XXXX  which caused my account to go negative. I deposited cash into my account to make it a positive balance. Yesterday,  XX/XX/XXXX , the bank withdrew fees of {$100.00} which again made the account go negative and cause another NSF fee of {$35.00} to be withdrawn in addition to the {$100.00}. I had filed a CFPB complaint on  XX/XX/XXXX  in regards to the bank not properly disclosing a change in process regarding fees. The complaint number was  XXXX . These {$100.00} fees from  XXXX  were in relation to that same scenario which previously got corrected by the bank in  XXXX . I contacted the bank this morning and spoke with someone in claims who said they were n't the right department so they transferred me to collections, who of course was n't correct. I called on my lunch and spoke with the general customer service who said they would have to transfer me back to claims. Again, they said they could n't help me. I am asking that these fees be refunded back to me in order to put my account back into the positive status that it was prior to them being taken out. I have been a customer of this bank for 20 years and the level of customer service is horrible now compared to what it used to be. I even recently had fraud on my debit card which I know is increasing from every bank, but the customer service I received at the branch when trying to obtain a temporary bank card ( which I never got ), was ridiculous. They told me they were too busy and that I 'd need to make an appointment, but that if I could just wait a few days my card would come. I 've seriously considered small town banking again.
I was shocked when looking at my credit report because I found a late payment on XX/XX/2016. 
I don't even know how this could have happened because I always make my payments to you upon receiving my statements. The only thing I could think of is that it must have gotten lost in the mail.
Only called a few times and then reported my debt to the credit bureau after setting up payment arrangements I have never had this happen if you have arrangements to pay off they do n't report it
I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.
american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen
XXXX XXXX is calling several times a day, 7 days a week. I have explained my situation to them several times, but the constant barrage of calls every day is harassment in my opinion.
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as XXXX inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX, RI the XXXX I used ), XXXX XXXX, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
I am currently in the stages of disputing 2 ATM transactions- third party ATM. The 1at incident the ATM machine went into collaboration a phase and no monies dispensed i waited and tried it again I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCFs customer service number and was told the transaction should fall of as it is in pending status. The transaction did not fall of and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated TCF is investigating this dispute and you will hear from us by XX/XX/XXXX. A few weeks after opening the dispute I had the same issue. I called TCF and this time even while the transaction was in Pending status the representative opened a dispute. FIRST fact 2 identical issues 2 different processes. 
On XX/XX/XXXX I called for an update on my 2nd dispute. I have not received any communication nor have I received a credit. I am not rich and depend on my money to survive. On XX/XX/XXXX around XXXX central I spoke to a representative in the customer service department who called the dispute team and told me on a recorded line ( TCF pulled the actual call and confirmed their own representative said that ) you will receive your provisional credit today and if you do not call us back. I have not received the credit and called at around XXXX central time and was told that I will not be receiving anything and the prior representative provided me inaccurate information. Not one team lead would escalate not one had any compassion nor any remorse for the actions of their own wrong doing. I could not find a corporate phone number or a corporate email for an escalation / office of the president. Please tell me which honorable, customer based, loyal, company would not provide this information to the public or have it listed on the web? 
What made me write this review is that today the initial provisional credit has been deducted making my account negative that exact amount. I called the customer service number and was informed that a letter was mailed on XX/XX/XXXX but wait I was on the phone with several representatives XX/XX/XXXX no one advised me of any such finding. Letter from TCF dated XX/XX/XXXX, envelope stamped XX/XX/XXXX, and received at the USPS XX/XX/XXXX. I have the proof in my hands. 
I forewarn other hardworking individuals to avoid TCF at all costs- this is not a legit financial institution. This bank discriminates against customers and has no skills to work with the public or be trusted with money. You have been warned- watch out!
I just paid off a credit card from Bank of America on XXXX XXXX, it was due XXXX XXXX was surprised to receive an e-mail from them today telling me I owed them {$64.00} in interest. I am not upset, I just think that the credit card companies should emphasize on their statements that in order to payoff a credit card completely the consumer needs to call the company and get the calculated amount necessary to payoff the account. I do n't understand why the statement closing date and the payment due date are almost a month apart. It 's almost as if they want you on the hook forever.
Rather than respond to my disputes listed below, Equifax removed a promotional block from my credit file XX/XX/XXXX, then claimed on the very same day ( XX/XX/XXXX ) it couldn't find my file to place a fraud alert THAT I NEVER REQUESTED ... Please see the included mail. This violated the FCRA in the most ridiculous ways ... How is it that the core disputes are not addressed at all ... This smacks of a delay tactic ... 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.
I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX
I paid XXXX XXXX a settlement on XX/XX/2017 of {$500.00} the have not reported this to all 3 credit bureaus.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out
On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.