WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, XXXX XXXX sent letter advising that Shellpoint Mortgage Servicing would be handling my mortgage payments starting with the XXXX XXXX payment. 
My first contact from Shellpoint was via mail on XXXX XXXX. It was my XX/XX/XXXX statement, stating that my XX/XX/XXXX payment was overdue. With enough information to make a payment, on the first business day that my bank was open, XX/XX/XXXX, I went and set up online bill pay to Shellpoint, which was supposed to land on XX/XX/XXXX. I was just squeeking by to make the on time payment. 
My next contact from Shellpoint arrived on XX/XX/XXXX. It was a welcome to Shellpoint letter dated XX/XX/XXXX, along with the XX/XX/XXXX mtg bill! This seems calculated to put the mortgage holder in a delinquent position. 
I have written a " qualified written request '' letter to Shellpoint, referencing Section 6 under the RESPA, but want to advise government agencies of the poor practices that could result in other mortgage holders being considered delinquent. 
Regards, XXXX XXXX
I write the Credit Burrow   50 times that no bank can verify me two Open a new Account and the Credit Burrow never responds two the fact that no bank will verify me two open a new Account. I applied fore 5 credit cards this week all declined.
3 years i cant open a new bank account all where declined but one and the Credit burrow respond there is nothing two Dispute on the report and I agree there is nothing two   dispute i have a  XXXX   Credit Score  and should be able  two Open and Account most anywhere. What I 'm disputing is the Credit Burrow made it so 100 bank applications where denied me in the last 3 years.       XXXX   XXXX   XXXX   XXXX  robed me  XXXX    XXXX    then fore 3 years i cant open a new Bank Account because no new bank will Verify me. I was denied new bank accounts at 75 banks.  XXXX   XXXX   wont take my Credit Cards I  wrote all  XXXX   Credit Burrows 50 times sending 3  Forms of ID and the Credit burrow never responds or Sends a Copy of my Credit Report.     The Credit Burrow says there is nothing I 'm Disputing in my Credit Report, I agree i have a  XXXX    Credit Score and should have no banking Problems.
What Im disputing with the Credit Burrow the Fraud alerts made it so i cant open a New bank account fore 3 years.
I Write the Credit Burrow that i was denied 50 bank Applications all say they cant Verify me and the Credit Burrow says there is no Dispute.
The Dispute is that i applied fore 5 credit Cards   this month all denied me
Experian Report Confirmation number : XXXX Uploaded Letter dispute, sent notarized certified dispute letter to Experian on XX/XX/2017, Tracking # XXXX via USPS. Asking company to validate not verify inaccurate items on my credit report. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. If a credit bureaus, collection agencies or creditors can not prove the account or inquiry is my account in a timely manner ( 30-45 business days ) the account must be removed from my credit report. That means provide me with physical documents with your signature. 1.  Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Amount showing is incorrect. There is a fee listed for a carpet replacement that didnt take place, no records or receipts were show when i asked for physical proof, verification, not just validation.
My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.
The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.
XXXX/XXXX/2017 overdraft and bank would n't send info to XXXX
On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XXXX XXXX, XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( TransUnion / XXXX / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b XXXX XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX  XXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
On XX/XX/XXXX I received the included email from Bank of America, stating : Hi, XXXX, we would like to remind you the promotional rate you're currently receiving on your balance ( s )  listed below will expire in approximately 90 days After the expiration date, any remaining portion of the balance will be charged at the Annual Percentage Rate ( APR ) noted below. 
Offer code : XXXX Transaction type : Direct Deposit Cash Advances and Check Cash Advances Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance 2 : {$6500.00} APR after promotion ends : 20.99 %, a variable APR based on the U.S. prime rate New transactions do not qualify for this Promotional Offer. 

However, after making a payment of {$6500.00} on XX/XX/XXXX, It was applied to the loan that was not due until XX/XX/XXXX and nothing was applied to the payment that was due on XX/XX/XXXX. This resulted in a interest charge of {$120.00}. 

Also, a secret balance due not show on statement was resulting in interest charges for non existing purchases. The charges were : XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$3.00}. 

Even though interest was prepaid on 2nd loan thru XX/XX/XXXX, I was not able to make good on this since I was now required to payoff XX/XX/XXXX loan before XX/XX/XXXX loan could be paid. This loan had a 3 % prepaid charge for borrowing money thru XX/XX/XXXX which I was forced to pay off 4 months early.
I 'm addressing the fraudulent vandalism by BOA employees, to my house during the loan modification. My civil rites as a property owner, were violated by BofA employed agents to try to get me to vacate my property, when I was only one month in the rear in payments, and owned my house for more than 40 years and had XXXX BOA loans for more than 80 years. My XXXX XXXX XXXX stated that BOA was responsible for the damage, and cancelled my homeowner 's insurance policy. I took this up to the Department of Insurance, and they told me that you were working with litigation with Bank of America, also recommended I contact the BOA/ CEO president, he said that he could not speak with me because he was working with the state of California on litigation. 

We are XXXX and have limited income and are XXXX. We have a home which we have owned for more then 4 decades and was vandalized by BOA during their loan modifcations.
I applied for a used auto loan through usbank.com. The automobile I was looking to take a small loan on ( ~ {$6000.00} XXXX ) was a 10 year old vehicle with 140,000 miles on it. 

After I completed an application and my credit was pulled, a representative from USBank called me, and told me there was no chance I was going to be approved, not because my ( outstanding ) credit was bad, but because they have an internal policy at USBank that they can not loan on vehicles of a certain age or mileage. 

I expressed my concern that they pulled my credit, something that will affect my credit score for up to three years, when I should not have even made it through the application phase. I filed a complaint asking them to remove the credit inquiry with the credit bureaus. After a month I received a form letter informing me that they would NOT remove it, since it was part of their application process. The letter stated I could only further investigate it if I believe fraud or identity theft was the cause. 

If a company has such simple rules for loans, then it should be front and center in the application process. I feel like I have been victimized here, that my credit has now been negatively effected, and that US Bank does not want to take responsibility.
This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.
I had submitted my payment before my due date however my payment was never applied to my loans. I called multiple times over the past two months to get my loan reapply to my loan so that my I would n't show that I was delinquent. Each person that I spoke with told me he would be done in two days 7 to 10 days, however every time I look at my loan balance it still does n't show the payment applied. Each time that I call everyone assures me that it will be fixed however a week has gone by and still the loan has not been applied to my account. The service that I have received is completely unsatisfactory and fraudulent I have paid my bills on time and that 's how they should be reflected.
On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.
I investigated XXXX XXXX XXXX XXXX credit card about 30 days ago. The item was removed from my credit report. As of today XXXX XXXX credit card is appearing on my report once again.
I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.
My account was written off in XX/XX/2016, in XX/XX/2016 Citi Mortgage got an insurance check for {$60000.00} paying off the account balance of about {$45000.00}. The mortgage company is refusing to tell me where the overage went, or return it to me. XXXX in the foreclosure department told me they sent it back to the insurance company. XXXX, my insurance adjuster told me it was never sent back to them. When I asked XXXX for the amount sent and check number, she said I had to speak to another department, and transfered me to a disconnected number. The remaining balance is suppose to be used to clean up the property, as it was a fire, and total loss, but the structure is semi remaining. 

It seems Everytime I call Citi Mortgage, they transfer me multiple times, and never answer my questions.
Barclay 's bank issued a new XXXX XXXX XXXX card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. I live at XXXX XXXX XXXX but the account was associated with my name at XXXX XXXX XXXX By the time I learned of the issue the account had already been closed for nonpayment. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously can not be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use.
Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.
I an entry on my Transunion Credit Report about a {$250.00} debt to XXXX ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.
After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am a divorcee who had XXXX XXXX XXXX XXXX WaMu Predatory Lending loans. 
I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. XXXX ' response to my debt validation request was to say that XXXX Bank as trustee for a securitized trust " owns '' the notes, but my loans are NOT in that trust. I have asked that they at least postpone the sale until they have provided information in response to my concerns. 
XXXX, insists that the sale will occur on XXXX/XXXX/XXXX regardless of my claims. 
Their are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party, the Notice of Default, the recording of assignments would all be invalid. 
Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XXXX in response to a QWR, Chase sent copies of these notes stamped " Certified Copy of Original Document '' which have no indorsements. 
There are also several serious servicing issues with Chase and then XXXX who was substituted in as servicer for Chase. When the servicing was moved from Chase I was in underwriting, at the very end of a modification for XXXX properties. XXXX refused to continue the modification that was in underwriting at Chase. 
XXXX has violated many servicing regulations, including Single Point of Contact, Dual Tracking, and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available, but XXXX has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at Chase, I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading XXXX the borrower and the regulatory agencies, pretending to follow servicing guidelines and requirements, when they are actually trying to sell the property. XXXX said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have " an offer in hand! '' This entire time, they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking, they said that technically they were n't because " they had never actually approved the program. '' This is commonly done. I know that I am XXXX many borrowers who have met with these same experiences. 
Please look into this situation and, if possible, pressure XXXX to stop the sale until all issues have been addressed. 
Thank you.
Ocwen is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices causing the Homeowner and spouse great deal of XXXX needlessly. 

Ocwen entered in to Loan Modification ( attached Exhibit C ) after the Homeowner has successfully completed all required payments. Ocwen has twice since XXXX of XXXX arbitrarily without notice and contrary to the completed Loan Modification Agreement. Changed the modified of 3.76 % to 8.25 %. 

In XXXX XXXX Ocwen completed Modification Agreement and the Homeowner then made seven ( 7 ) monthly payments of the requisite amount of {$4400.00} then on XXXX without notice Ocwen in violation of the Modification Agreement increased the monthly payment to {$7100.00}. 
When the Homeowner contacted Ocwen to inquire as to why the change they were told it was an annual increase. The Homeowner were force to enlist help from counsel and XXXX/XXXX/XXXX ( Exhibit B ) Ocwen issued a correction letter citing on XXXX XXXX they identified the error and made the necessary adjustments. 

When the XXXX ( Exhibit A ) Mortgage Account Statement arrived Ocwen once again without notice or reason has once again increase the interest rate form the contractual {$4500.00} ( 3.76 % ) to {$7200.00} ( 8.25 % ) that an 119. % increase of the interest rate!
I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX   in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.