WillisBack/dataset-financial-user-claim huggingface dataset:
As a result of my home owner bill of rights being violated I never received a approval or denial. I was forced into filing BK ch XXXX to stop Nationstar from taking my home from me. Had I dealt with a team of people that knew what the other one was doing my file would have made it to underwriting.I never just had one point of contact. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Hello, It has come to my attention that Nationstar sent an unsolicited payment of {$1800.00} to XXXX County Treasurer for property taxes. As clearly shown in the attached escrow statement prepared by Nationstar in XXXX 2015, only hazard insurance is being collected in escrow. Furthermore, attached are the property tax bills that were addressed directly to me, and not Nationstar. This error has caused duplicate payments to the XXXX County as I made a payment to them directly since it is not part of the Nationstar escrow.
I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.
Equifax credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed equifax and   XXXX   XXXX   should not be reporting this account
My car Loan has a status of " current '' with Santander. Santander is reporting to all XXXX CRA that my status is C/O. I am current on my auto loan since XXXX of 2016 yet my CRA are reporting C/O. 
I would also like an explanation of a fee of {$700.00}. I asked for a detailed invoice to understand what fees are being charged adding up to {$700.00}, I was told they do no offer a break down.
This company has placed TWO things on my credit report that are fraudulent. I NEVER received any notice that this company was going to place anything on my credit reports. Ever. Those " debts '' they placed on my credit have not been validated. Although, they claim they are valid. I would like VALID proof that these are my debts. Such as my signature on any ORIGINAL paperwork, video footage of me receiving any products/services. I have disputed this information time after time and they keep saying they're valid. I need proof of this ASAP. 

They also stated that the debt was valid on XX/XX/XXXX but after having to pay for credit reports I found out it was supposedly from XX/XX/XXXX/XX/XX/XXXX. Very crooked practices.
XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX  {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day? 
On XX/XX/XXXX I had a mortgage payment XXXX  and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX  and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ). 
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX   receipts prints date AND time for electronic payments " bank card '' same USPO receipts
On XX/XX/XXXX, there was a Loan Modification Agreement made between myself and Ocwen Loan Servicing, LLC, Lender/Servicer or Agent for Lender/Servicer. ( Ocwen Loan Servicing is a debt collector attempting to collect a debt ). The reason I applied for a loan modification was because I was struggling to pay my mortgage. My mortgage payment at the time was for {$1200.00}. I requested that they lower my monthly mortgage payments, so that I may be able to comfortably afford making my mortgage payments on time. On XX/XX/XXXX, Ocwen modified my loan for the amount of {$1200.00} and they added to my loan a Balloon Payment Disclosure. I was not happy with the terms of my loan modification and especially with the balloon payment disclosure. However, I was pressured by Ocwen Loan Servicing into signing the modification and the balloon payment disclosure. I did not agree with the balloon payment disclosure, but I was informed by Ocwen Loan Servicing that if I did not sign the balloon payment disclosure, they would turn down the modification and proceed to foreclose on my property. As of XX/XX/XXXX, my mortgage payment increased to {$1200.00}. On XX/XX/XXXX, I called XXXX XXXX in order to apply for refinancing of my home ; and they informed me that Ocwen was showing that I was past due {$1200.00} on my mortgage and that Ocwen is stacking me with late payments on a monthly basis. Also, Ocwen Loan Servicing has destroyed my credit. Ocwen is not currently updating their records. I am current on my mortgage payments and they are not disclosing and/or updating the records to show that I am current on my mortgage payments. XXXX XXXX informed me that I will not be able to refinance until the accurate information is shown on my payment history and this important matter is resolved, because I am currently high risk. In addition, I am seeking legal services.
Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please.
By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company
U.S. BANK EMPLOYEES, DEEMED TO BE MANIPULATING FINANCIAL SCAMS ACTIVITY WITH OUR CHECKING ACCOUNT. AS FAR AS RE-CHARGING, OR REINSERTING SOME OF THE ITEMS BEEN ALREADY PAID FOR WITH OUR ACCOUNT, ACCORDING TO STATEMENT. ALSO ; PAYMENT MADE DEEM CHARGING US FOR OVERDRAFT ON CHECK PAYMENT WAS SENT OUT ON XX/XX/2018 CHECK # XXXX AMOUNT {$1700.00}. AND ; MY RETIREMENT PENSION DEPOSIT ALWAYS IN ON XX/XX/XXXX OF EACH MONTHS AT XXXX. WHICH I FELT LIKE NEXT DAY TRANSACTION SHOULDN'T BE CHARGED FOR OVERDRAFT PERHAPS. FOR THE FIRST TIME THIS EVER HAPPENED. ALSO ; MY WIFE WENT TO U.S. BANK TO CASH OUR CHECK FROM XXXX. MY PENSION INCREASING. AND THE EMPLOYEES PUT IT IN AS A DEPOSIT, INSTEAD OF CASHING IT. DEVIOUS ACTIVITY IN TERMS OF BRINGING CONSTERNATION, MANIPULATION ACTIVITY. TO FINAGLE US WITH OUR CHECKING ACCOUNT, OBVIOUSLY. MANIPULATION ACTIVITY U.S. BANK ARE DOING ARE EXTREMELY DEVIOUS TOWARD MANIPULATION IN ORDER TO SATISFY THEIR FINAGLE ACTIVITY WITH US, AS WE ARE SENIORS CITIZENS OF THE UNITED STATES OF AMERICA. THIS MUST BE STRICTLY SCRUTINIZE FOR FRAUD ACTS, AND ACTIVITY. MUST NOT TOLERATE ANY OF THESE TYPE OF MANIPULATION. AS WE DISCOVERED. HOW THE TOP GOVERNMENT DISHONEST, LIES ON SERIOUS MATTERS PERTAINING TO OUR FEDERAL GOVERNMENT AS A WHOLE. AND SOME PEOPLE, EMPLOYEES MIGHT TAKE ADVANTAGES OF WHAT THE LEFTIST LIBERAL ARE DOING TO OUR COUNTRY, AND, OUR GOVERNMENT EVILLY, DEVILISH LIAR, LIES, ETC. WE MUST EXTREMELY CAREFUL ABOUT. WILFUL FRAUDULENT SCHEMES ACTIVITIES LEADING OUR COUNTRY NOWADAYS ... WITHOUT DISCIPLINE AND PENALTY TAKE PLACE ... .NOTHING CAN BE ACCOMPLISHED IN TERMS OF REINFORCING AND ENFORCING OUR LAWS AND CONSTITUTION FOREMOST. & OUR RULE OF LAW ... SEMPER -- FIDELIS ... .XXXX ... .MOTTO ... ... FOR SECURITY.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew
Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. Upon speaking with the representative they advised the numbers were marked do not call, and removed from their system. I have made this phone call on at least 4 separate occasions if not more. The last time I had this conversation with them was approximately 2 weeks ago, I requested a manager give a call to me to discuss. I haven't heard back from anyone. I also submitted an email to try to resolve-I have received no response via email.

If a customer requests that a number not be called, and it still happens that is a violation of the. I don't know how to make them stop. It has been embarrassing because they are calling people who they should not. 

I don't think a creditor has unlimited rights to harass you to collect a debt. 
and the sad thing is I have been in constant communication with the creditor, there is no need to call someone else to reach me. I consider it a form of harassment Please contact me at XXXX to discuss further.
I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.
Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it from my credit report.
To whom it may concern, I submitted a Multiple Inquiry Removal dispute via Equifax 's online portal in regards to XXXX hard inquiries, that was being reported on my credit report. They received the request on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response the EXACT same day after the receipt of my request one can assbume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date updated for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.
There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.
XXXX/XXXX/17 Filed a security freeze with Equifax - have since found out my PIN is the time stamp of the filing - trying to change the PIN however unable to access the call center. No announcement that the firm is mailing out new PINs, which I 've already received from the other two credit reporting Bureaus.
Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.
On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.
XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.