WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX XXXX agent referred mi to a guy named XXXX with Mclean Mortgage and I told him that I was out of state & not to pull my credit until I meet him in person. Since he never returned any of my calls I assumed he wasnt interested until I recieved a credit monitor alert that Mclean Mortgage used XXXX XXXX different times to access my credit report I disputed with XXXX that they were impermissable and contacted his boss CEO XXXX XXXX to addressed my complaints. I asked him by phone to remove any reference of affliation with his company. He agreed according to these enclosed responses but has not gave XXXX XXXX manager XXXX XXXX the formal release on letterhead by fax or email as he promised XXXX XXXX.
I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX and Experian. Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my Experian credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Experian Acct XXXX XXXX ACCT and XXXX XXXX Experian Acct More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Experian and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late.

I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
I recently checked my credit report and found a charge for the following company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.
On XXXX/XXXX/XXXX a foreclosure sale for the property was cancelled by a Magistrate in the XXXX XXXX in XXXX XXXX, Florida. Despite the Magistrate order for cancellation of the foreclosure sale, Ocwen took the property as theirs and the property was held as real estate owned ( XXXX ) by Ocwen on XXXX/XXXX/XXXX. There was no legal conveyance and therefore no legal transfer of legal title of property from XXXX person to another allowing Ocwen to legally take property as REO on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX the Judge instructed me to contact Ocwen directly to resolve the matter as the bank had taken the property from me and I was not able to apply for a loan modification or to sell the property. After the hearing, Ocwen 's attorney gave me additional contact information for XXXX XXXX, Loss Mitigation Supervisor at XXXX XXXX, representing Ocwen. XXXX XXXX sent me an email on XXXX/XXXX/XXXX that the property was XXXX. This was before XXXX/XXXX/XXXX foreclosure sale date when Ocwen stated they " bought the property and took title. 
Ocwen refused to return the property to me and I was evicted on XXXX/XXXX/XXXX even thought they had wrongfully taken my property on XXXX/XXXX/XXXX against Court orders. The sale cancellation documents are attached to show that the sale was cancelled on XXXX/XXXX/XXXX. When I called Ocwen Customer Service on XXXX/XXXX/XXXX to get the balance of what I owed I was told that I no longer owned the property and the property was real estate owned by Ocwen 's company called XXXX and that the only thing I could do was to re-purchase the property from them. I called numerous times and there was absolutely nothing that I could have done because Ocwen refused to put the property back in my name since XXXX/XXXX/XXXX.
four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!
Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.
I called Ally Financial in XX/XX/XXXX to obtain my payoff amount. I wired the payoff amount through my bank. I have been waiting on my title and today XX/XX/XXXX, I received another bill for a another monthly payment but isnt due until XX/XX/XXXX. Its there mistake for not giving me the correct amount and I dont think I should have to pay this amount. Its absurd. They are a joke as to a finance company and I plan on suing them and my attorney will go after them for legal amounts that incrue for his time and any other fees that he see fit.
SHELLPOINT Mortgage Servicing is a complete fraud and is trying to get our home through foreclosure. 
We have been trying to settle through the courts with Shellpoint mortgage and have spent XXXX of dollars in attorney costs and have gotten nowhere. 
THEY were sold our loan that was part of the illegal ROBO- SIGNING banks and now we are about to lose our house. 
We finally filled out a an application for the HAMP program - they approved us under HAMP 3 program were they promised to remove all penalties and past due amounts Our new Principle balance was to be $ XXXX When they approved us for the HAMP 3 program they just tacked on the all the penalties and interest and other fees on the back of the loan. 
When I asked them what happened to the Principle forgiveness on our loan they said that that is a HAMP 3 program and that they do not participate in that program They set us up on their HAMP 2 program, We were lied to. 
our loan amount to them is now $ XXXX our house is worth $ XXXX HELP! 
I have seen hundreds of similar complaints and lawsuits online against the predatory practices of SHELLPOINT MTG. and we are very worried that we are going to lose our house Is there a class action Govt lawsuit that we can join against them? 

Please advise ASAP Thank You for your time XXXX Fl XXXX XXXX
I want to make a general complaint about a disturbing trend among large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup which are reportedly using their enormous market power to discriminate against their customers who conduct lawful firearm-related business activities protected under the Second Amendment to the US Constitution. 

These banks seem to be making political statements and using social engineering to act against law abiding citizens by withholding access to credit to customers and companies they disfavor. 

There is also reason to believe that these banks may be using their collection of personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity. 

As a consumer of firearms and related products, I am very concerned about XXXX and Citigroups antigun discrimination. 

Every American adult likely uses or will need banking services to survive in our modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and political advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

We taxpayers footed the bill in billions of tax dollars to help bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. 

Citigroup  received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. It was the largest government bailout in American history. 

Citigroups new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights.

These bank policies should not be endorsed by our federal government. Our government should only do business with companies that respect all of our constitutional rights, including the Second Amendment. 

We need to know more about these banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

I urge you to investigate the business practices of these banks to root out unfair, deceptive, or abusive acts or practices. Please monitor these financial giants for risks to law abiding consumers engaged in lawful commerce for our Constitutionally-protected Second Amendment activities. 

XXXX XXXX XXXX, TN
I have disputed with Experian regarding the accounts on my credit report & they havent remove the negatives accounts thats not mine yet. Im a victim of Identity theft, and Experian is reporting inaccurate information.
Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.
On XX/XX/XXXX I received an email from Barclays advising me of fraudulent charges on my XXXX. Someone stole my card number from a free-standing ATM machine outside XXXX XXXX XXXX XXXX XXXX when I visited in XX/XX/XXXX. They used my card information to take out a cash advance in XXXX on XX/XX/XXXX. I live in  XXXX, AZ. I called Barclays immediately. They closed out my account and gave me a new card. I was told it would take 2 to 3 billing cycles to be reimbursed for the {$500.00}. After several calls and many promises, the charges are still on my bill. Barclays is also charging me {$26.00} a month in interest on a bogus charge. During my last call on XX/XX/XXXX I was again promised the charges would be deducted within 48 hours. Today is XX/XX/XXXX and charges are still on my card. 

I want my money back NOW! I was told that my money will not be refunded until investigation is complete. When I called on XX/XX/XXXX and spoke to the supervisior XXXX, he informed me someone at Barclays dropped the ball and never started the investigation. 

I would like to file a lawsuit against Barclays but do n't know how to go about it. I 've also considered going to a local tv station in hopes that negative airtime would encourage Barclays to fulfill their promise. I am angry and frustrated. I feel totally helpless and taken advantage of. Where do I go from here?????????
XXXX Mortgage servicer : XXXX, XXXX I requested to be mailed a paper statement each month since their website does not allow me to see any information regarding my account. They also do not report my mortgage to any of the three major credit bureaus. I made the request for the above two items. They stated because I had filed for bankruptcy in XXXX ( XXXX XXXX ) and the home was never included in bankruptcy, that they will not mail me a paper statement or report my mortgage to the credit bureaus. They told me to send a letter to their correspondence Dept which I will do. They will not talk to me however, but only through mail. And it will take 30 days to respond to me. I do not understand why they cant do these two requests since I have had other mortgage service companies prior and our bankruptcy never prevented my ability to obtain a monthly statement or for them to report to the credit bureaus. Please advise what recourse I have. I deserve to be able to receive a paper statement from XXXX and for my payments and payment history to be reported to the credit bureaus. 

Their correspondence department address : XXXX XXXX Correspondence Dept XXXX XXXX XXXX XXXX, CT XXXX Thank you.
I have an account with capital one. They have blocked my account and I am not able access my funds and i am not able to reciving payents
On XX/XX/XXXX and XX/XX/XXXX I had sent a money transfer online through money gram. On XX/XX/XXXX I had cancelled the transactions because my daughter was not able to pick them up. I called money gram and they had advised me that the reason why my daughter couldn't pick up the money was because money gram doesn't accept prepaid debit cards. So at that time I was told to wait 3-10 business days for a refund. Well that time had come and gone and I called them back and they had told me that the refund date had passed and that it would have to go to the escalation department. At that time they told me to wait two business days and the money would be returned. Well I waited 3 business days and called back and they said that it was still in process and I would have to call back in another 2 business days. I have been calling everyday with the same result. Nothing is being done about my refund. I asked to speak to a supervisor and I then was asked " even if you're not going to get your money back today ''? I was super upset and still no supervisor or refund.
In 2006, I applied for a student loan of {$5000.00} ( for one semester ) at XXXX. I had to do the same the next semester for another {$5000.00}. Sallie Mae picked up the loan and when repayment was due, they wanted $ XXXX  monthly. I work in retail and when you have a vehicle note and rent, that's just not possible. I spoke with Sallie Mae on many different occassion and was told my only option was forebarence or deferment. So, I did that because I couldn't afford the $ XXXX  monthly. About 4 years ago, Sallie Mae sold my loan to Navient. Same story here, $ 300-400 monthly. Finally, after digging around on their website, I found that I could apply for Income Based Repayment. My notes were supposed to be around {$50.00} for each loan ( 2 ), totaling $ XXXX monthly. I have faithfully paid that for about 3 years. Then suddenly my unsubsized loan has jumped to {$94.00} a month with no explanation. My balance has not moved and I now owe over {$15000.00} because of interest and the forbearance and deferements that I was told I needed to use because I could not pay the $ XXXX  monthly. All of my info has been transferred from the FSA website with my tax info included. I have paid thousands to Sallie Mae and Navient, only to still owe more than my original loan.
I received an offer fro Capital One to refinance my home. I called them to get the process started and submitted all of the requested documents through their loan document tool. I received phone calls nd emails stating they had not received documents. Iwastold by XXXX XXXX, Mortgage Lending Spec, to email docs directly to her. I did confirmed on the phone that she had received everything. I called the title company to followup on an email I received and was told that my file was closed. I contacted XXXX to ask what happened and was told I needed to speak with XXXX XXXX who was my Loan Officer. XXXX was out of the office. I followed up with an email on XXXX stating that my fil was closed and I have n't received phone call, letter, or email stating why nd that my credit score took a really big hit from this process. I would at least like an explaination. I till have n't received any feedback. I have a right to know why my refinance did n't go through and Captial One has n't been forth coming with any information.
iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance.
I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.
The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX. 
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.
A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.
Synchrony has been calling me a minimum of 4 times a day 7 days a week. Including the XX/XX/XXXX and every Sunday
On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total. 
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all. 
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.
Windham Professionals call my phone several times a day. Sometimes leaving a voicemail and sometimes not. I block their number with a call blocker and then they change the digits of their phone number by one number and repeat the practice. Called as early as XXXX XXXX  and as late a XXXX XXXX. 

yesterday called from ( XXXX ) XXXX at XXXX, XXXX, and XXXX    XXXX called from ( XXXX ) XXXX at XXXX and XXXX XXXX  XXXX called from ( XXXX ) XXXX also used number ( XXXX ) XXXXand ( XXXX ) XXXX to call me. 


The repeated calls are harrasment.
Reference ID : XXXX My account was limited in XX/XX/2018 and I was advised funds will be released in 180 days. I can not withdraw funds {$420.00}
On multiple occasions I have disputed the incorrect account information reporting on my Experian credit file. Experian is showing a closed XXXX XXXX account that has late payments and a closed XXXX XXXX   account that has late payments. I have never been late on payments to any of these accounts. Furthermore, XXXX  and XXXX  have the exact same accounts reporting and they are reporting accurately with no late payments.
I am a member of a RushCard company for the last 10 years and my deposit was set up to go onto my card on XXXX XXXX, 2015 it was never posted I called customer service several times with empty promises of it being on my account never happened I have my XXXX Number as well as the account number from my payroll analyst going into my account and we have also done a trace and it shows it was excepted by Rushcard they are claiming they have never received anything although they have on the same day for the last 10 years from the same company