WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.
SANTANDER CONSUMER USA is reporting information on my XXXX  XXXX and XXXX   credit report that is NOT MINE AND WILL NOT REMOVE Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Individual Your Statement - Comments -
Ocwen holds the XXXX on my home and for 2 years I have been appealing to them with documentation, to remove fallacious bankruptcy comments they 've reported to the credit bureaus. All to no avail. 
In XXXX XXXX someone from Ocwen Loan Servicing , LLC in XXXX, XXXX arbitrarily decided that my home and primary residence at the time was included in my bankruptcy which was discharged in XXXX of XXXX. They reported that the debt was " included in XXXX XXXX '' and " discharged '' " XXXX XXXX, XXXX. '' They show the account closed and transferred. My Loan was transferred to Ocwen Loan Servicing in XXXX XXXX XXXX XXXX. 
Last month on XXXX XXXX, in response to a XXXX XXXX, XXXX email, I received a letter from Ocwen 's Office of the Consumer Ombudsman admitting to the error stating the " trade line should reflect as closed and service transferred however, the bankruptcy comment should have been removed. " As of this date the false information remains on my credit report, my complaint submitted to the XXXX has been ignored, and calls to the Ombudsman office have not been returned. 
My payments have never faltered or been late, my payment history is perfect.
Discover Credit Operations Team XXXX Application Number XXXX XXXX I WAS DENIED A DISCOVER CREDIT CARD DUE TO THE STATUS OF AN PREVIOUS ACCOUNT. THE OLD ACCOUNT WAS CLOSED BY DISCOVER WHILE IN GOOD STANDINGS WITH A XXXX BALANCE. 

NOW BEING DENIED BECAUSE MY NAME SOCIAL AND BIRTH DATE HAS BEEN FLAGGED AS REVOKED. 

I FEEL LIKE THIS ACT OF DENIAL IS DISCRIMINATORY DUE TO MY RACE OF BEING A XXXX XXXX. THERE HAS BEEN NO OTHER EVIDENCE TO SUPPORT MY RESTRICTION FROM HAVING ANOTHER DISCOVER CARD OR A REASON GIVEN FOR CLOSING MY FIRST CARD. 


Our credit decision was based in whole on consumer reporting agency. 

XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Type of credit score FICO Your credit score XXXX Date XX/XX/XXXX Scores range from a low of 300 to a high of 850 This information was provided to us by XXXX   XXXX XXXX XXXX XXXX, a consumer reporting agency. 


FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.
I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. Portfolio Recovery mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, Portfolio Recovery undated my credit report with the balance and shows XX/XX/2016 as the date for the update after I made the agreed upon payment.
On Sunday, XX/XX/XXXX I spent a few hours gathering information on my student loan including : downloading all available statements, noting down 'current balance ', 'paid to date ', 'interest paid ', 'interest rate ', etc. in order to validate the suspicion that Wells Fargo does not apply the .25 % Auto pay discount as advertised. Attached is the all supporting documentation available to me and compiled for you with a detailed breakdown of interest rates from XX/XX/XXXX - XX/XX/XXXX with those impacted interest rates marked as reference with a circle. 

The initial loan taken out and that was disbursed years ago was set up with automatic payments for a number of years. The available statements relating to this loan are dated from XX/XX/XXXX to XX/XX/XXXX - I have submitted and am awaiting paperwork covering the rest of the loan. Please look at those dates indicating that on each statement the .25 % was not applied. On the second consolidated loan, from XX/XX/XXXX to XX/XX/XXXX, during the time which the loan was set up with Auto Pay, the lender again failed to apply the .25 % discount. 

Wells Fargo has thousands of student loans and I am certain this is a common issue among all of their student loan accounts with Auto Pay, and if not all, most certainly a majority. I consider this fraud as upon reviewing what is marketed, and the legal copy, I find no indication that my current loan or the original loan would not have qualified for Auto Pay discount based on the disclosure available. I consider this a very serious issue. Wells Fargo does not apply the Auto Pay discount when the student loan customer ( s ) meets the criteria advertised.
On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.
My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America.
In XX/XX/XXXX, I opened a home equity line of credit at Investors Bank ( account # XXXX ). In XX/XX/XXXX, we sold the house and informed Investors Bank of the sale. I told them that we no longer owned the house and would like to close the account. They never closed the account. Since then, I have informed them by phone and by mail that we do n't own the property and want the account closed, but they still have n't closed it. Please contact them and make them close the account. Since we do n't own the property, the bank ca n't foreclose on it. My fear is that someone will charge something to the account, and we will be responsible for their debt, and this will affect our credit. Thank you for anything you can do to help us.
Been contacting this company for about three months no response back from this company and requesting that this debt be removed from my credit file this is not mine debt.
Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.
My name is XXXX XXXX.  I live at XXXX XXXX XXXX XXXX Ga. XXXXBoth my name and my wife's is on the deed.   However, only my wife's name is on the mortgage.  I want to stop them from refinancing and taking out all the equity in the home so that I lose my life's savings.  The mortgage company is named Freedom Mortgage CorporationThe account number is XXXXThe Phone Number is XXXX XXXX XXXX XXXXNMLS number is XXXXFreedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXNMLS ID: XXXXXXXX
I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.
i hired Tayne law group to settle my debts and paid them $ XXXX monthly for one year ending in roughly XX/XX/2017 they later ownly settled 2 two accounts but charged me for 12 account then tried to sue me illegally to try to claim they worked on accounts that were allready settled by another attorney .. so basic they took money without doing the work and tried to charge money for accounts that were allready settled which is both illegal and unethical and tried to sue in another county where the crime was not commited
Bank of America is my mortgage company I resive a letter from them today about missing XXXX  payment I call my loan company every time I called I have to put my account number and usually send me to a different person but regular costumer services person and he or she never answered my call or returned my calls I try diferente way today XXXX XXXX and it did work I spoke to a person his name is XXXX XXXX and he explained to me what 's going on around the beginning of XXXX bank of america gave me a called loan modification as you already know force me to sign through the court I was n't agreed of all the contest I have no choice but sign their called loan modification based on my income of my XXXX payment was affordable {$1400.00} more or less 3 mouths into the new loan modification they started to send me papers that I was behind my escrow went up I called but as I said no answer no calls back that right there started to make my mind more crazy because they already taken advantage of me their lawyer sending me his explanation the first was that I signed a contract with them second that I did a bankruptcy that 's only some of the excuses that I remember now but they are a lot more I stated that I 'm in XXXX  and my income is limited but I managed to make my payments on XXXX I make 3 payment that they stole or missed but thais the firs excuse for not getting the harp program their fraudulent tactics are this way same as what they are doing now they are saying that I missed a payment in their loan modification they put a bill of XXXXmy house was worth the most {$140000.00} they put all their expenses from lawyers court fees they claimed that the house have been watch another fee every little fee they can put they did $ XXXXthe new loan modification but could n't take money from the escrow because in their new contact they would started again to build a new charge for the escrow XXXX told me that in XX/XX/XXXX they have a shortage of escrow again so my payments of that mouth they applied it to my escrow as I said they took my XXXX payment to pay their called escrow shortage so they can say that Im late or i have n't make my payments of XXXX XXXX this c is a fraud to me because when they said there was a escrow shortage they started to rise my payments from {$1400.00} to {$1500.00} they said they would charge extra until I get my shortage fix my new payment is {$16.00} 01 and again thay said my escrow to blamed for the increase my home insurance stay the same my home taxes when up {$300.00} sinse my loan modification they started again to make my life miserable I hope there is a lawyer can help me bank of america is a fraud and in tired of being taken advantage of becouse my limited income coming from my XXXX
On XX/XX/XXXX a fraudulent application for credit was was initiated under my name. I received an inquiry alert on XX/XX/XXXX and immediately called Chase Bank. The fraud department at Chase flagged the application and assured me the inquiry would be removed from my credit file. I followed up by phone on XX/XX/XXXX because the inquiry was still on my credit files and was told by a representative that it was indeed flagged fraudulent will should be removed. On XX/XX/XXXX I send a certified letter to Chase requesting them to remove the inquiry in writing ( see attached ). Chase responded ( letter attached ) asking for information I had already provided in my original letter ( date of inquiry, credit bureaus reported to, etc. ) and stating they would investigate in 30 days. It has already been over 90 days since my initial communication with Chase. I have also attached my FTC identity theft affidavit, as well as, credit reports still showing this fraudulent inquiry. I attached a screen shot of my credit profiles verifying fraud alerts were placed on my credit profiles on XX/XX/XXXX after learning of this activity.
I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.
Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.
I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks!
Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.
On XXXX XXXX, XXXX I sent Wells Fargo Dealer Services a letter requesting validation of a trade line that is appearing on my credit ... The trade line has yet to been verified as well as it is reporting incorrect information ... On XXXX there is no responsibility listed, No date of last payment, No estimated removal date, Missing account history, date payment received and scheduled payment ... There is also no actual amount paid listed nor the first date of delinquent payment ... Lastly it has yet to be put in dispute which is direct violation of the FCRA stating that all debt must be validated within 30 days or it has to be removed .... On XXXX it 's Missing the original creditor, the balance is missing, missing monthly payment, missing past due amount, as well as the high balance is missing..
Debt collection firm filed against me in two separate venues, both of which I do not live in. Back in XX/XX/XXXX I was told that i had an upcoming court date, they were rude. Cussed at me. Would not give me any information. They continued to send items to an address I have never lived at. The address was my fathers, whom i do not speak to often. They are claiming to have served me at that address ( per court website ), received judgment on the matter. They have never served me personally. I now have a judgment against me, because i just happened to look myself up on the court website. Never knew about this court date.
I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XX/XX/XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this :
I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.