WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX of 2015, I received a preapproval from Prospect Mortgage as I hoped to purchase a single family home to live in. I complied with everything asked of me and provided all necessary documentation as requested. I was ready to close on the house when the loan officer I had been working on sent me additional questions to answer. One of these questions was- would my boyfriend be moving into the home with me? I found that question to be rude, disrespectful, and even a form of XXXX profiling. As a XXXX XXXX XXXX XXXX woman who is a professional, why would they assume that my moral standards were such that I would be shacking up with a boyfriend in my home? Furthermore, why would it even matter if I was pre-approved based on my income and credit. Ultimately, the loan was denied and even my loan officer indicated that he could not understand why since I met all of the criteria. He indicated that the individual in charge of making that final decision, XXXX XXXX would n't let the loan go through although there was no good reason. I lost money in this after having paid for attorney fees and inspections and even some minor reparations to the property so that it would pass the fha inspection. Asking if my boyfriend is going to move in with me when I had never discussed or made mention of a boyfriend seems demeaning and should be considered an illegal question in the mortgage lending industry.
I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCR A 605B. 1. )   XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP
During the past two years I have had repeated problems with Ocwen Loan Servicing, LLC regarding accusations of missed or late payments. I am again facing the threat of " Adverse credit reporting '' and " Further collection activities. '' The harassment is unrelenting and comes via frequent ( monthly ) postal mail, and daily telephone calls. 
When I have talked to Ocwen representatives, my concerns have never been addressed. 
There have been times when I have made the extra payment just to get them to stop the harrassment. I can not afford to keep making extra payments which seem to never be properly credited to my account. I just did an audit of my bill pay records and I have not missed a single payment. Nevertheless, Ocwen is harassing me about a missed payment in XX/XX/XXXX. 
I have spoken with legal council, but the first step he wants to take is to have me pay for a forensic audit as well as his fees ... this I can not afford. The original loan was made in XX/XX/XXXX and to date ( 12 years ) the outstanding principal has only decreased by a minuscule amount on what is supposed to be a 15 year loan. Additionally, I am being charged an exorbitant interest rate ( 8.87500 % ) with credit scores in the 750+ range and no record of ever being late with any of my payments. I need immediate relief from the unrelenting harassment that happens every few months when Ocwen arbitrarily accuses me of missing a payment. Please help in whatever way will remedy this situation.
I HAVE SEVERAL DISPUTES WITH EXPERIAN, I HAVE TRIED SEVERAL NUMBERS ONLY TO GET THE WRONG PROMPTS.I AM VERY FRUSTRATED WITH A BIG BUREAU SUCH AS EXPERIAN TO HELP LET ME EXPLAIN WHAT IS BEHIND MY REASONS FOR DISPUTING ANY CHARGES.I WOULD APPRECIATE IT GREATLY IF YOU COULD PROVIDE SOME ASSISTANCE IN THIS MATTER. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX
My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?
I took out a loan with Ace Cash Express. I was unable to pay on the loan due to garnishment. I continue to receive harassing calls from them stating that I will be sued. In fact, I received a harassing call today from XXXX, using legal jargon that I would be arrested and that someone would be coming to my resident to serve papers. This calls are daily and I do n't appreciate it. I 've tried to work with them serval times before, but I just continue to receive harassing phone calls.
I have a federal loan through Navient. I am under an IBR repayment plan where I am currently paying {$410.00} per month. On XX/XX/XXXX and XX/XX/XXXX, my bank received a ACH withdrawal request for {$2100.00}. Navient is closed for the evening, but the only thing that I can think of is that it is time to renew my IBR, and I have not received any notice from Navient that my IBR renewal was due and I updated my contact information XX/XX/XXXX. They did not call me when they tried to withdraw {$2100.00} from my account and it did not go through. Instead they kept trying to make a withdrawal, causing me to incur additional fees.
My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.
They are trying to collect on a XXXX payday loan debt, but i will refuse to pay and i do not want them to call me anymore!!!
Navient has incorrectly set up autopay on my student loan account 2 times due to agent/ representative error. I spoke with an agent on XX/XX/XXXX who suggested that I set up the auto pay and make payment online to avoid any agent error. I made a payment and set up auto pay XX/XX/XXXX. After getting a credit report alert that my credit score dropped XXXX points due to a 90-day past due reporting from navient, I called the company asking how this happened when I set up autopsy 2 times in past and just made a payment online through their company website. I made this call on XXXX. I spoke with an agent who stated that the autopay payments were rejected by my bank, noting the account did not exist. I then explained that the last payment on the account was made with the same account which is an account my employer, XXXX deposits my checks in. A supervisor then spoke with me, apologized and asked for the account routing number and account number I gave for the auto pay. I told him what the account and routing numbers were 2 times when he finally told me that the agents who set up the auto pay mixed up the numbers in my account whiched caused the auto pay set up to fail and be rejected by my bank. Due to their agents mixing up my account numbers when setting up auto pay, and a faulty online payment system, my account still shows as past due, even though I have proof of payment made and accepted by the company XX/XX/XXXX and XX/XX/XXXX from my bank with the same account number, 3 failed auto pay set up due to agent error, and a credit score which has dropped XXXX points bringing me from the XXXX 's to the high XXXX 's a poor credit rating after being reported 90-days late due to their agents/company error.
After I graduated from XXXX in XXXX my payments were supposed to start for my loans. When they told me it was going to be over {$600.00} a month I told them I could not pay that and tried to get it lowered. They told me that wasn't possible and that I would either have to go into forbearance or default. Because I did this and only paid interest my loans have doubled from what I borrowed. They finally worked with me to get my payment lowered in XXXX, only after finding out my parents went through bankruptcy and my mom was the cosigner. So now I have this large amount of student loans because I was not given the correct information that I could work out a payment plan, and now I have to call back every 6 months to get my lowered payments continued. I was willing to pay, just not that amount they quoted and I was told they could not help me. This should be illegal!
While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.
Today, XXXX/XXXX/2015, After trying to contact Bank of America to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Bank of America for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is " processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice.
I went to the er on XX/XX/XXXX for a minor XXXX. Long story short, the hospital used wrong equipment on me and tried to treat but was not able to. on the admission forms I did not provide my social security number, but did go thru my health insurance anthem XXXX XXXX. My suspicion is that XXXX gave the hospital my social security number without my authorization or knowledge, only to find out later it was reported to my credit report.
Called after XXXX on XXXX XXXX 2016 and I feel that I am being harassed
I reviewed my credit report recently and noticed that I had several hard inquiries from companies that I did not authorize. The companies are 1. XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX It is having a severe impact on my credit.
We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX XXXX
On XX/XX/XXXX, Capital One allowed a charge from XXXX XXXX XXXX to process for {$2000.00}. My credit limit is only for {$600.00}. These charges have been in dispute since XX/XX/XXXX and the company continually misfiled the category. Originally the claim was filed as a " fraud :, then Capital One changed the category to " dispute ''. This happened twice which caused the 180 day time to expire with XXXX. I have attempted to resolve this issue several times and Capital One is the one who is ultimately responsible. They were notified about the wrong amount and given documentation since last year. The company should have completed their due diligence and proper research to ensure that the dispute was filed accordingly and timely. The amounts have constantly changed throughout this investigation and process. No amount matches any contracts that were sent over to Capital One. Each time that Capital One requested documents they were uploaded through an internal link. Each time Capital One requested documentation, they received it from me.
Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.
I have several unauthorized credit inquiries from XXXX XXXX from the following dates : XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.
The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.
In XX/XX/2018 my wife became seriously ill and had to leave her job. We became unable to pay our mortgage and was able to talk with our original Lender, XXXX XXXX XXXX. I started loss mitigation, filled out all the paperwork and sent it in a timely manner. I didn't hear anything for over 30+ days, called XXXX and was told they were working on it. In the meantime, XXXX sold our mortgage to Flagstar Bank. When I found out I contacted Flagstar and was told that all the loss mitigation paperwork had been forwarded and they had received, " Everything PHH had. '' Several weeks later, XXXX XXXX I received a 2nd day letter dated XXXX XXXX, 2018 that stated I had until XXXX XXXX to submit paperwork. I called confused, asked to speak with my case manager ( I have NEVER once spoken with her, even after requesting several times with whatever rep I was speaking with ). I was told that the original loss mitigation paperwork was now considered " outdated '', and I would have to send in more paperwork. This was a single sheet of paper with nothing attached. I asked why I didn't receive anything along with it and what I was supposed to do I was told, " I guess I can mail you the paperwork, it wont be there for a week but its not going to make any difference now. '' I then spent two days calling and asking for help and finally reached someone who gave a XXXX, walked me through downloading and printing the actual paperwork I would need from THEIR website ( the CSR before never told me I could do that ) .She also told me I could email the info, which I did on XX/XX/18 the date it was due ( I have delivery confirmation ). I called and spoke with a great lady named XXXX who identified herself as the loss mitigation team lead. She opened my email, went through the documents WITH ME on the phone and confirmed that yes, indeed I had sent all that was required and it looked good. It was going to be sent to the Underwriters by her personally. Imagine my surprise, when I received a letter in the mail today XX/XX/18 saying that because I NEVER sent in the documentation, I was now officially out of the loss mitigation. This has been unbelievable. I have NEVER dealt with a company like this. Customer service has been a joke. It is obvious they do not want to work with me ( or probably anyone! ) on a situation that can and should be resolved and would rather foreclose using stalling, diversion and flat out lies. I need help, even lowering my payment would pull me out of this situation and allow me to keep my home. This situation has led me to consider legal action.
a charge was coming through off my debit card every month. I called in XX/XX/XXXX and set up a dispute. the chase representative coded it wrong, and " once they dispute a charge, they ca n't dispute it again '', even if Chase made the error. 
they credited my checking account the money, sent me a letter stating they would be taking it back, never gave me a date. took the XXXX back, caused me insufficient funds, told me I would n't be charged an insufficient fund fee, I was charged a fee. 
they told me when they disputed more claims, against the same merchant, that Chase only has a XXXX day liability. When I told them that in XX/XX/XXXX when I first filed a dispute, that was within the XXXX days. they agreed, but since the agent at chase coded it wrong there is nothing they can do. 
Was told on XX/XX/2016 by the XXXX at Chase claims to contact the consumer financial bureau to file a complaint
I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Sallie Mae is the loan servicers for a loan I co-signed for my daughter for college education costs. When loan papers were signed information regarding my bank accounts was not required. Now Sallie Mae is requiring that I give my routing and checking numbers JUST TO LOG ON to their site to review my account information even though I do n't pay online. This is not a reasonable requirement and needs to be changed immediately.
My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!