WillisBack/dataset-financial-user-claim huggingface dataset:
I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX  payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017.  It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.
My Home Mortgage was assumed by Wells Fargo ; when Wells Fargo assumed the loan they took my name off the documents. The loan was set up as my parents as co-Mortgagor and I was a co-Mortgagor. Well Fargo change the loan where it was only in my parents name. Not until 2012 was I able to access the loan. I reported this to the XXXX on three different occasions ; I am a co-Mortgagor. I was given different excuse for my name not being listed ; one was their system was only formatted for two names ; and here recently they said how the names were listed on the deed ; and as I explained to theme my name is visible on the deed and I need my name visible on all the documents. I live in the house my parents do not I handle all business regarding the home. One representative told me I need to assume the loan for my name to some on the loan ; I asked her why do I need to assume a loan I am already one. Every person you speak with gives you a different story. I spoke with the executive office they were very condescending ; I was told ; " You want something you ca n't get ; '' and " You ca n't always get what you want. '' I do not know why this representative felt he could speak to me in this manner was it demographics, gender, or bigotry. I have explained on several occasions to different representatives and the executive office if you are paying for something for the past 30 years you want you name to appear on the documents regarding that purchase. They could get my name on the payment coupon ; but when it comes to official matters regarding the house their system could not process all our names on the documents. I Was charged a late fee on XXXX 's Mortgage ; the payment arrived on the XXXX the office was closed a XXXX, and XXXX was the XXXX ; the payment arrived on the XXXX and the payment was not processed until the XXXX. They told me this payment was was late but previously I was told when a payment is due on a weekend the next business day the payment would be processed. This is another example of Wells Fargo saying one thing and doing another.
I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX, XXXX ''. This company states that Capital One Bank XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.
The name of my bank is XXXX BANK located in XXXX XXXX, NEVADA. 

The lender charged mine and my husband 's bank account on the wrong day and for the wrong amount. 

I obtained XXXX payday loans from XXXX separate lenders. I do n't recall this lender being XXXX of them. They 're alleging I obtained a payday loan from them online. I question that, because anytime I 've ever applied for a payday loan online, I still had to speak with them over the phone and/or see them in person to finalize it. This was not the case with this lender, everything was allegedly done online according to them. In XXXX of 2015, I made contact with all of my creditors, including this lender, and informed them that due to unexpected unfortunate circumstances that have effected my financial situation resulting in financial hardship, I would only be able to make monthly payments of {$50.00} via money order or cashiers check on the XXXX of each month. I advised all creditors to discontinue debting my bank account for payments because there are no available funds for them to do so. I went on to say that I was very sorry for any inconvenience this may have caused and that beginning XXXX/XXXX/2015, I would be making monthly payments via postal mailed money order or cashiers check in the amount of {$50.00} to pay off any outstanding debts, that was the best I could do. 

This lender disregarded the information I provided and continued making attempts to ACH my bank account. Doing that only resulted in my bank account charging me fees for insufficient funds. 

On XXXX/XXXX/2015, this lender sent me an email that displayed all of my personal information in it, including name, full social security number, address, etc. Threatening me with legal action, accusing me of committing several crimes and harassing me in the worst way possible ( see attached copy of the email )
TransUnion continues to include the XXXX of my XXXX student loans in my credit report. They have deleted the derogatory remarks but any information re XXXX student loans should no longer be in my credit report. I defaulted on these XXXX loan back in XXXX 2007 thus it should not show up in my credit report. 

XXXX no longer shows any information on my XXXX loans. Neither does XXXX. Only TransUnion does.
Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.
I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.
I got a loan with World Finance Corporation,  XXXX   XXXX ,  XXXX , KY  XXXX ,  XXXX  last Fall (   XXXX    ). I  am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of   XXXX   XXXX   ( debt relief ). I have already settled  XXXX  accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the  XXXX  office this morning at  XXXX   XXXX . & told them that  XXXX  is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of  XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled  XXXX  accounts. I just wa nt World Finance Corp.,   XXXX  to STOP calling everyone I know.
I HAVE CONTACTED MIDWEST RECOVERY THIS ACCOUNT WAS DISPUTED THRU THE XXXX FRAUD DEPT DUE TO IDENTITY THEFT NOT MY ACCOUNT
I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in XXXX.
See complaint  XXXX . Issue not resolved.  Ocwen omsbudsman kept referring to statements not present in Agreement  that was signed from GMAC. Today recieved same hard copy of letters of notice raising my interest iaw a step agreement. But nowhere in the agreement does it state that it is a step agreement, rather para.  4 sta tes a fixed rate for the life of the loan. Today the packet contains a letter that is a pre notice stating words to effect that  Ocwen i s trying to substantiate thier cause, it is dated  XXXX / XXXX /  XXXX  . I or my wife never recieved or had any knowledge of such a letter. This is the first time we have seen this letter, and it was never provided in any correspondence from Ocwen or GMAC prior to today. The letter is suspicious in nature in that there is no official letter head as in all other corespondence, Some of the writing is fuzzy and not of the same quality as in certain paragraphs and the ink in those paragraphs are definitely dark as to indicate that some one has super imposed writing over another letter. The letter is not signed by anyone. It just has a empty signature block stating  Loan Modification Specialist!  Any reference that this  XXXX  from GMAC is what appears to be a rubber ink stamp. I am giving Ocwen a chance to explain this obvious fraudulent letter. I will be forwarding all documents, especially this letter to appropriate Judical authorities for action! I ca n't believe that someone actually sent me this letter!!!
I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XXXX XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX XXXX  reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Took out Loan with Bank of America on XX/XX/2007 for XXXX some how XXXX XXXX XXXX XXXX XXXX XXXX purchased my home for XXXX and they are trying to foreclose on my home.
I am a student who originally acquire student loans through XXXX. My loans were switched to private loans through ( Navient. XXXX PA XXXX ) without my notice or consent in XXXX - XXXX. Original loan amount 0f XXXX. Within a three year span, while being continuously enrolled in XXXX at XXXX University, I have been charged excessive interest of over XXXX. I received over 100000.00 of excessive interest in one year. New loan balance is well over XXXX. 
I have been charged excessive interest, and my loans have all been switched to private loans without notification or consent. Please contact me at the following address : XXXX FLORIDA XXXX XXXX
Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. 

Now duplicate reporting with collection agency showing Open Credit on C/R
On  XXXX   XXXX ,    2017 a hard inquiry was placed on my  XXXX  credit report by One Main.    I called and requested them to have it removed but it is still there.
Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.
My wife and I visited Mattress Firm on XXXX XXXX in XXXX, MO on Saturday XX/XX/2018. The salesman told us about their financing options and offered to check if we qualified. He told us he would do a soft credit check and it wouldn't affect our credit. I agreed and said there would be no harm in it if it won't affect my credit. We proceeded with the check and we were approved. I told them we would think about our options and would return in a few hours if we were interested. The following Monday I received an email from XXXX  that a new account had been opened in my name. My wife called the store and they told her that was just part of their process. I called Synchrony who administrates the credit card and they verified that a new account had indeed been opened. I asked them to close the account and they did. I returned to the store two weeks later on XX/XX/XXXX with my new card in hand to ask them about it. They again insisted that they had done nothing wrong and that was just the way their system works. When they check if someone qualifies for credit a new account is automatically opened. I never authorized them to open an account for me, and I never signed an application. A hard inquiry and anew account now shows up on my credit report. I don't know that this will significantly affect my credit score, but that is not the point. At the worst this was fraud. At the least it was misleading.
I had a loan with XXXX, I entered a forbearance agreement with XXXX and they sold the loan to penny mac. 3 days later, once the loan was transferred to penny mac they told me my only option was foreclosure or short sale. I explained to them i had a forbearance agreement but they said they had no record of it and would n't honor it. I have done a cfpb complaint on both companies and have proven there was a agreement and that penny mac committed fraud and unfair lending practices and I did a deed in leau because i was promised the late payments would be removed and i 'd owe nothing. when i did the deed in leau i cited the reason for hardship was that XXXX did n't honor the forbearance agreement. Had XXXX honored my agreement with XXXX I would n't of had late payments and would still own my house. I 've asked all XXXX credit reporting agencies to remove any information from XXXX but they refuse to do so. and i want a neutral party to investigate my situation fully. thank you.
This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.
I opened an account with Synchrony and made an initial deposit of {$40.00} on XX/XX/2018. 
I later made another deposit for {$900.00} on XX/XX/2018I further logged into account to see it is restricted. The message instructed me to call XXXX called immediately and spoke with customer service. Customer service was not able to tell me why account was restricted. She ( customer service ) said she would put in a request for back office to contact me. No call from back office as of today XX/XX/2018. I called several more times and emailed them a message as to why my account was restricted I withdrew and electronic payment on XX/XX/2018 for {$430.00} ( see documents attached ) an account was restricted that following day. I was told by letter 3- 5 business days. ( see attachment letter ) I was told by phone on Monday by a supervisor, he escalated this and should receive a call on today XX/XX/2018. no call. I called again today at XXXX and spoke with a supervisor at to why my account is being restricted and was told I would know something in 90 days. 

This is unfair in my opinion to hold a consumer money for 90 days. I was told during this time, I could deposit money, but could not take any out on today.
This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call
On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from transunion to dig further into why I may have  not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from TransUnion on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Purchased a home as is inXX/XX/XXXX. Filed for Chapter 7 Bankruptcy in XX/XX/XXXX. Continued payments on the home until XX/XX/XXXX All calls to Ditech starting inXX/XX/XXXXwere greeted with the " home is bankruptcy '' you are not responsible for the debt. They would not assist with any details on how I could save the home from foreclosure and request for modification prior to XX/XX/XXXX were denied because the loan type is a retail installment agreement. Interest rate is 11 %. No one would consider refinancing because of the foundation issues. XXXX XXXX & the Loan Servicer Ditech are predatory companies