WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 
2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the XXXX XXXX.
I started teaching at a public school in XX/XX/XXXX. My student loans were consolidated in XX/XX/XXXX with XXXX. I was told then ( in XX/XX/XXXX ) that my best course of action was to consolidate to a Smart Loan. Then, XXXX changed ( or my loan was bought out by ) Navient. I asked Navient if I was qualified through my Smart consolidation for the Public Service Loan Forgiveness Program. They said they thought so, and that I just needed to continue working at the XXXX  where I ( still currently ) am working, and I needed to make 120 payments. In XX/XX/XXXX ( when I had made 120 payments ) I started ( what I thought ) was the process of applying for the Public Service Loan Forgiveness program. It took me six months ( and two months of deferment in which my loan was still collecting interest while I was told to complete a DIRECT consolidation ) for me to find out that my loan was NEVER going to qualify for the Public Service Loan Forgiveness Plan because A. It needed to be Directly Consolidated to begin with, B. I would have had to file my taxes individually once I had gotten married. On XX/XX/XXXX I spoke with a representative from the current loan company I've been shuffled to ( XXXX XXXX XXXX  ) and they STIILL told me I would qualify for the Public Service Loan Forgiveness Plan after another 120 ( ten more years worth of payments ) ; which is ALSO NOT TRUE and I blindly would have accumulated nearly {$40000.00} in interest for another 120 payments if a financial planner hadn't caught this and told me I won't qualify now or in 10 years. I started with {$46000.00} of Subsidized and Unsubsidized Federal Student Loans and still have {$37000.00}. to go. I wish I had all of this information before I started XXXX.
XXXX   XXXX  and  XXXX   XXXX  called experian and order my credit report with out authorization there both wanted f or SSI frau d and running dead people credit
XX/XX/XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is Law Offices of XXXX XXXX and their number is XXXX.
On around XX/XX/XXXX I was working through The Ohio State extension for XXXX XXXX XXXX, XXXX XXXX XXXX was ( is ) my mortgage provider. I sent chase documents after documents for a year..Finally I got awhole of XXXX XXXX XXXX out of XXXX Oh.Around XX/XX/XXXX, I was able to work thru them to help me with my mortgage. they brought my mortgage current, and payed the taxes XX/XX/XXXX.I payed off Chase Bank in XX/XX/XXXX. never heard anything more until around XX/XX/XXXX. Chase said I owed them {$1.00} cents when I checked one person said it was XXXX dollars. I had a lawer check into it. I sent him the paper work.while I was online again, all of my accounts but one would show up, which happen to be my mortgage.I could n't afford the lawyer so when I started checking for myself, I found out that around the same time XXXX XXXX XXXX payed my Taxes onXX/XX/XXXX chase payed my taxes onXX/XX/XXXX .was never notified by chase they payed. them. XX/XX/XXXX I contacted chase to se why my deed was n't sent to me. they put me on hold about 20 minutes and finally told me I owed them {$2700.00} I received statements that shows a balance of XXXX since I contacted them about the taxes after I talked to XXXX XXXX XXXX. now I get a statement showing that I owe them this amount.
The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you
XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.
In XXXX, my wife and I bought a house together. XXXX, we were separated and the mortgage was refinanced into her name only. Between XXXX and XXXX, I had no mortgage reporting on my credit files as I did not own a house. In XXXX, Ocwen Loan Servicing suddenly began reporting a 120 day late XXXX mortgage and a 120 day late XXXX mortgage. I have made countless calls to Ocwen only to be transferred to a call center with someone trying to collect on these loans. I have sent over XXXX letters to Ocwen requesting validation of these accounts ( knowing that they are not mine ). Ocwen refuses to comply with my requests. I have submitted numerous disputes with XXXX, XXXX and XXXX XXXX with no success.
My issue is with XXXX. I set up an account and I want to cancel it and get my money refunded. XXXX said there were issues with my bank account when there were not. I tried entering new banking information and it would not take. Since then I changed my phone number and have been unable to log into my account because of their verification process. Every time I have called XXXX to complain they said they were aware of it and wait for my turn. I will know when its my turn when I get an email from XXXX telling me its my turn. Never got this email and it has been months. Every time I call I am told this same thing. It was only {$32.00} but now its the principle.
All three major credit bureaus, XXXX, XXXX, TransUnion. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXXXXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. 

A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. 

The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. 

She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. 

This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.
My credit report shows several hard pulls from Experian. I had used Experian to monitor my credit score, but to my knowledge I did not ever ask for a true hard pull on my credit nor do I believe that I gave permission to pull my credit. My score is roughly 730 and the only negative on my score is the amount of hard pulls on my credit. Below are the dates that my credit was in my opinion wrongfully pulled without transparency/permission. The company was retained to help monitor my credit and ensure I would be alerted to negative score issues. I feel that these pulls on my credit were all in error and have negatively affected my score.

1.XXXX XXXX- XX/XX/2016 2.XXXX XXXX- XX/XX/2016 3.XXXX XXXX- XX/XX/2016 XX/XX/2016
1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.
I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX : cash deposit made of {$9900.00} in coins and bills.

XX/XX/XXXX : issue found on deposit amount and changed 1 of 2 times. Other change made on XX/XX/XXXX.

I have reciept stating cash deposit of {$9900.00} and another deposit stating {$9200.00} from same day. Both are over deposit bank is saying is actually placed.

Why does the deposit slip state a different amount than the transaction amount? Also, this is greater than the amount which was changed to.

When issue with transaction was discovered on XX/XX/XXXX how was this believed to be from transaction made on XX/XX/XXXX? Why did it take so long for issue to be discovered and processed?

If error was found prior why such a long difference in processing a cash transaction?

teller put transaction through bill counting machine. Counting machines add the transactions prior to being processed.

I would like to know amount counting machine states went through the system.

If amount is different on deposit from counting machine is the difference in coins?

If transaction was lower than initial deposit why was it assumed to be my transaction which was the cause?

Does each transaction get separated once processed or does each transaction get combined after being processed?

All money went through counting machine then was rebanded with correct amount the band states by the teller banding them. If a band is different than stated why is it banded in this form?

If transaction was counted in counting machine, the machine should be tied back to the teller when submitting the transaction amount so no errors are created or caught prior to making any.

Did the teller receive a warning about a difference in the transaction?

If they recieved a difference was that due to coins creating the difference?

If this isn't the case why did the teller accept a difference in the transaction?

Why didn't the teller ask for help in this transaction if there was an obvious difference from the coins and counting machine not combining the correct amount as the transaction amount?

Why was transaction deducted 2 times rather than 1 time if an error occurred?

Did more than one error occur on same transaction?

Is it common practice to not let aware errors or deductions in accounts when they occur? No attempt to contact was made in email or call when both are on file with banking system.

What is the legal grace period to change a cash deposit transaction? Cash deposits are made in legal tender coins and bills which are made legal in all of the United States no foreign money was involved in this transaction so amount should never change.

I would like to see a time stamp or transaction number of some sort from the bill counting machine referring to this transaction number on attached Reciept with the deposited amount.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
I used to have a bank account directly with the bank of America on  XXXX  CT, They put me under a suspicions fraud call ed black check list after I deposit a check from my husband that used to have an account with them also and it was n't the 1st time  I deposited a check of him in my account but this time they decide to cancel my account and put it under suspected fraud activity that has cost me lots of problems that I cant even open a bank account no more and currently I 'm trying to buy me a house and that has come across even after I notarized a letter with my husband present and took it to the bank of America where I had my account when all this deal happened saying that he gave me permission to cash that check in my account regardless off they still put me thru that list and sending back my husband check for the yearly taxes return, than I get a letter from   XXXX   XXXX   explaining to me that I was put under this black list for 10 years because of that even though I show them proof that my account was n't been used for fraud, last time in     XX/XX/XXXX   I sent a letter to bank of America to review my case and delete me off that list later on they reach me back saying that it Was n't possible for them to take me off the list never mention any reason of why I 'm on that list.
Hello, I would like to dispute these hard inquiries that has shown up on my credit report : Here is the reason why XXXX. XXXX ( I am not certain who this is? ) XXXX, OH Inquired on : XX/XX/XXXX I did not give this company my permission to look inside my credit. I have not applied for any loans, credit card or any of the sort. There is no amount to report 2. XXXX Inquired : on XX/XX/XXXX I did not give permission for this business to look inside my credit I have not applied for any loans, credit cards or any of the sort There is no amount to report
I have a reported a fraudulant account on my credit report several times to Transunion I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Transunion stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Transunion :  XXXX  Acct #  XXXX    XXXX   XXXX   XXXX   Account :  XXXX   XXXX   XXXX   XXXX   XXXX
Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002
I wrote AFNI and the never responded to my request for information and legal validation of this alleged debt.
Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...
On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories TransUnion, XXXX and XXXX XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, XXXX XXXX XXXX
I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!