WillisBack/dataset-financial-user-claim huggingface dataset:
My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.
I was injured at my work place in XX/XX/2015 that required a visit to the emergency room. My employer paid most of the bill, but I have only recently been notified of an outstanding bill of {$430.00} that I was not made aware of until I noticed the derogatory claim on my credit score. The collection agency is XXXX XXXX XXXX. They claim to have notified me, but that has not been the case. I have not received any claims in the mail. I beleive this to be a predatory company.
My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's all.
I have repeatedly called on each below date and asked for a " conditional approval letter '' for each of my four loans through Discover which were bought from XXXX XXXX. Each time I asked for the approval letter I was instead sent a copy of my initial loan application before it was approved. In the loan application is says my variable interest rate will be as identified on my conditional approval letter. Discover Student Loans is unable to provide the " conditional approval letter '' which leads me to believe they may be misleading me on my variable interest on all of my loans. 

Each date I called Discover Student Loans, requested the conditional approval letters and filled a formal complaint. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Requested XXXX, XXXX and TransUnion multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX  )
I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.
I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence
I am a XXXX vet, i live under the poverty line, as a result my brother sends me periodic money to my bank account to help make ends meet. 
Because of this i looked for a bank that offered deals to vets, Chase had a if you are a vet and have a VA pension deposited, then you do not pay incoming wire transfer fees, this is the only reason i went with chase. 
Chase charges me a XXXX dollar fee everytime my brother sends cash, this bank is full of lies and deceit, then i call them and have to argue almost everytime to get the charge reversed, called a supervisor, was told they were going to look into and fix this, and still i have to call each time. 

This bank is simply preying on people such as myself, and the fact i suffer from XXXX keeps me from dealing with them correctly, i really could use some help getting this stopped.
I disputed the information with  XXXX ,  XXXX , and  XXXX  that the information is not matching up that Kay 's Jewelers is reporting on   XXXX   XXXX   and  XXXX   XXXX   XXXX   XXXX   The information came back verified with All  XXXX  bureaus both times. They all stated I have to contact original creditor, Kay Jewelers. On   XXXX   XXXX   XXXX   Kay received my letter  XXXX . They have not responded to my letter/request or acknowledged receipt of my letter. They are not in compliance with the provisions of the FCRA.
I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me.
Step 1 : What is this complaint about? 
According to the reports provided to the Credit Bureau by 360 Mortgage Group, it shows eight ( 8 ) months of being late 30+ days and one ( 1 ) month of being late 60+ days. See below for the months/years and attached image ( Credit History - 360 Mortgage ). However, I have bank statements from XXXX XXXX XXXX XXXX ( XXXX ) showing proof of payment, and I've attempted on numerous times to work with the company with no success. I even provided the bank statements ( per their request ) to show proof of payments. For the XX/XX/XXXX late payment report, the house was sold that same month. 

Months/Years - 30+ days late XX/XX/XXXX XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX XX/XX/XXXX - proof in bank statements XXXX proof in bank statements XX/XX/XXXX Months/Years - 60+ days late XX/XX/XXXX - house was sold, see Seller 's Final Settlement Statement Step 2 : What type of problem are you having? 
The company has refused to fix the late payment submittals to the Credit Bureau so my credit can be adjusted. 

Step 3 : What happened? 
Unsure what happen on 360 Mortgage side of the house, but I set my payments up to be automatic issued by XXXX. 

Step 4 : What company is this complaint about? 
360 Mortgage Group Step 5 : Who are the people involved? 

Customer Service and XXXX XXXX. 

Attachments 360 Mortgage Late Payment Issues 360 Mortgage Payments Credit History - 360 Mortgage Sellers Statement_CDF
XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.
I rented a car from XXXX in XXXX, XXXX on XX/XX/2018 and I returned it on the scheduled drop off day. When I returned the car I checked it thoroughly with the XXXX agent present and no damages where found. I was also asked to sign a report stating that no damages were found to the rented vehicle. On XX/XX/2018 I noticed a charge of {$350.00} on my credit card from XXXX. I did not authorize this transaction, and I did not know what this charge was for. 
I disputed this transaction with Chase, my credit card company, but my dispute was denied because " We [ Chase ] found no evidence of a billing error based on our research and the information available to us '' ( Letter dated XX/XX/2018 ). This letter came with an invoice for damages - XXXX euros and fee XXXX euros - but no other details or documentation about the alleged damages. 
Since I did not damaged the rented car, I asked Chase to reopen my dispute case ( Claim ID : XXXX ). 
Last month I received a letter from Chase dated XX/XX/XXXXstating " We [ Chase ] confirmed that the transactions you disputed are valid '' and " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred o your account. '' " We [ Chase ] maintain that the charges is valid based on the information available and the results or our research ''. 
The disputed charge is totally arbitrary and unsupported.
XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.
On XX/XX/2018, I walk into the money services, MoneyGram section to send money to a unknown person. I spoke with the MoneyGram agent to send money to someone I didn't know. I explain that I am waiting for a package to be sent and didn't want anyone receiving the funds until I release them. The agent told me that they would need the reference number that was printed out on my receipt. And by no means do I give up the reference number until my transaction was completed. She guarantee this would be the only way to receive funds sent. And this would be my way of securing my money. I was confident and this was the reason I choose MoneyGram. After 2 days of waiting for my package and to no delivery, I decided to go back to Walmart and get my money from MoneyGram. Went back to the same MoneyGram and had the same person that waited on me with my a original receipt. I handed her my receipt and she looked up my reference number for my refund. After a few minutes, she said someone received the money. I said hold could that happen when I didn't give anyone my reference number but you. I had my receipt with me at all times. She said I needed to call MoneyGram about this. I told her you guarantee me a secure refund if I secure my reference number, and I did. Be aware that MoneyGram will give your money away if the person you don't know has your mailing address and there Driver License. 
Even though you are told that the only way someone can receive your sent money through " MoneyGram '' is by using the reference number. That is a lie!!!!!!!!! I spoke with the 2 XXXX  store Manager about this and all I got was, they will talk to the 2 MoneyGram agent. I was guarantee a secure way to release my funds in the beginning, but in the end I was taken for a ride by XXXX MoneyGrams unsecure practices. Do not count on a secure way to send money, and to have full control of releasing your fund by relying on a reference number. Huh The moneygram agent didn't even get my address right on the receipt.
I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for  verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u
on XX/XX/2018 i sent a letter to Lexis Nexis requesting the method of verification for US BKPT CT FL XXXX XXXX But as of today i have not received a response. this bankruptcy has multiples inaccuracies, the filing addresses is inaccurate, the status is incorrect, the file date is inaccurate, court location is inaccurate. 

THEY CLAIM THEY VERIFIED WITH THE COURT BUT THE IS FALSE INFORMATION, ACCORDING TO THE COURTS THEY DO NOT GIVE OR FURNISH PUBLIC RECORD TO THIRD PARTY VENDORS LIKE LEXIS NEXIS OR THE CREDIT REPORTING AGENCIES BECAUSE THE DOCUMENTS ARE SEALED AND THEY NEED A COURT ORDER TO VIEW THE PUBLIC RECORD
I purchased my home XX/XX/XXXX with XXXX XXXX XXXX. It was an adjustable loan, and this loan was later sold to Countrywide. My loan then was sold to Bankof America. My payments were {$1200.00} a month. Be reminded that I had other bills to pay such as ulitilities, lights, ect. I called the making home affordable program, and we then called my current mortgage company Bank of America. They told me that I should apply for a loan modification under the HAMP program. They sent me documents byway of XXXX. I filled out those documents, and I also had to get them notarized. I had them notarized at my local bank, and sent them back in the return envelope by way of XXXX. I was approved for the modification. I was told that I qualified for a permanent HAMP modification. However, XX/XX/XXXX, I received a shocking letter that stated that in XXXX XXXX, my mortgage payment would increase from {$720.00} to {$1300.00} per month. This was not as a result of me not paying my mortgage. I immediately called them about this matter. Bank of America stated that in XX/XX/XXXX that I was not in a HAMP modification that I was put in a special program that they had at the time. I asked them what program, because it was the first time that I heard of that. Then they came up with a lie and stated that I failed to send documents back. I knew that was n't true because I had those documents notarized by a notary. I then asked them to send me a copy of those papers, because the customer representative said that they scan documents, and keep them in some type of database. She said that she would send me those documents. I asked many times, and not one document was ever sent to me. They told me that I could apply for a second modification. I went forward with that and was put in a HAMP modification and my payments remained {$1300.00} each month. I then asked, " How is it that my first so-called modification payments was {$720.00} when I actually brought home more money, and now this XXXX modification has my modication payment is {$1300.00}. I asked them did they take into consideration that I have to pay other bills. 
1. I do not understand how my first modication that was supposed to permanent changed after ( 5 ) years. 
2. How my payments went from {$720.00} to {$1300.00}? Which made me appear to be behind because I continued to send {$720.00} until the modification was put into place. 
3. How I was told in XX/XX/XXXX that the first modification would be permanent but changed? 
4. Why those documents was never sent to me that was supposed to be from the original from the first modification? 
*** I believe that Bank of America is covering their tracks by appearing to help people by giving them modification, however ; they raise your payments so high that people still eventually lose their homes. I have been in my home my XXXX daughters and I since XX/XX/XXXX, and I feel that I have been railroaded by this company. Please have them send you how many people are losing their homes after being put into a modification. *** I know that it 's many other people who have been put into this situation.
In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.
On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.