WillisBack/dataset-financial-user-claim huggingface dataset:
GREEN TREE SERVICING, LLCI received a " Your Mortgage is in Default '' letter XXXX XXXX of them to be exact ) due to XXXX missed payments, but I have the bank statements to prove otherwise. In the meantime, I have storm damage and awaiting their endorsement of my homeowner 's insurance draft in order to complete repairs XXXX which includes mold growing in the walls ) that they have yet to return. How does this company have a license to stay in business? They have been doing this for years and nothing ever happens to them. I had no control of them taking over my mortgage and would have protested that had I been made aware of the sell of my mortgage.
I applied for a mortgage and they denied me. They said I needed a debt to income ratio of more than 43 % and they denied me. I have two tenants whose combined rent is more than enough to cover the entire mortgage. He did not look at my current income which includes their rent receipts. 

He did not know how to read a income tax return.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. XXXX Respectfully Submitted What would
I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.
On XX/XX/19 I received calls at XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX. No messages left at all. 
On XX/XX/19 I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. No messages left
I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, XXXX
I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.
On XX/XX/18 and XX/XX/18 I sent in XXXX letter asking Experian to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.
I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.
Ocwen is making loan agreements without all parties involved consent. They refuse to provide me information on the loan that they hold me liable for. I am co-borrower and co-owner of a property w/ ex-husband who is in Chapter XXXX in CA. Ocwen has entered into a forbearance agreement of some type without my consent and apparently with my ex-husband only. It is not part of the Chapter XXXX plan. Ocwen will not release any information of the agreement to me or update me on the status of the loan. I have not consented nor will I consent to any forbearance or modification agreement that does n't release my liability. Ocwen states I am liable for the loan but refuses to release any information about the loan to me ( they send letters to the credit agency about how late I am every month ). It is a {$700000.00} loan. They wo n't give me any information about the loan unless my ex-husband 's attorney sends a letter ( which he wo n't do ). There are no court orders stating I am not to get access. I have asked that all correspondences are sent to both parties on the loan countless times without success. There are no statements available.
I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.
PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process
A few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP
Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.
Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX
Some time back I had obtained a payday advance loan. Due to some financial issues, my check was likely returned but I never was contacted about the issue. A couple years later I start receiving phone calls from an unknown number saying they are trying to locate me to get me processed with the county. They are calling anyone that is listed as a possible association using public record data and not utilizing the references I listed when I obtained the loan, telling them there is an action pending against me with the county, making it sound like its a criminal action. I asked them for their company name and mailing address but they refuse to tell me, saying they are the Proceedings Office
XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting for the same debt on my credit file. This is in clear violation of the FCRA. This double reporting is affecting my credit and needs to be fixed.
My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX  EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.
XX/XX/2018 I have reached out to XXXX XXXX in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
I paid my credit card with a money order. They did not apply the payment to my account. I sent conformation/copies from the money order company that the money order had been cashed by the credit card company. The credit card company is still not paying the {$380.00} to my account.
On XX/XX/18, XXXX XXXX XXXX tried to validate a debt I am disputing ownership of by sending me a copy of a contract. I do not agree with and have reason to believe I do not owe this debt because the contract provided has someone elses name and address on it. The contract says its with XXXX not Exeter and I have never owned the vehicles listed on the contract.
I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX XXXX & XXXX was sent via certified mail equifax online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
EXPERIAN IS A DATA MINING OPERATION : I applied for a credit card with XXXX XXXX XX/XX/XXXX, and was rejected based on adverse accounts in my Experian credit file. This means that XXXX XXXX was able to view my complete credit file. 
Because I had been rejected for credit, I obtained a free copy of my credit file and viewed it. I saw lots of errors, as is always the case with Experian, but did not start a dispute process. 
XX/XX/XXXX I applied for credit with XXXX XXXX. Their rejection letter stated the following : " We were UNABLE TO VIEW YOUR CREDIT REPORT BECAUSE YOU HAVE PLACED A SECURITY ALERT ON IT. " This tells me that Experian fraudulently and arbitrarily placed this security alert on my credit report, but I DID NOT PLACE ONE ON THERE, and obviously, when I applied with XXXX XXXX just a month prior to applying with XXXX XXXX, my Experian report had been viewable. 
I would like to know why Experian took it upon themselves to arbitrarily place a security alert on my credit file when I did not do so. 
All I did ( after viewing my report the first time, upon being rejected by XXXX XXXX ) was call them and ask them to not bill me {$29.00} a month for their credit tracking service. 
So, when I went online to get another free copy of my credit report after being rejected by XXXX XXXX, the Experian website stopped me and said it would need all of this highly sensitive, personal identification information from me : My driver 's license, my social security card, and a bank statement or an insurance statement! Who in their right mind would do this? I did nothing wrong to prove that I am really me. I simply requested yet another copy of my credit report because I was rejected twice based on my Experian report, which is full of errors, by the way. 
This is not the first time Experian has done this to me. I battled this same problem with them XX/XX/2013, two years ago, meaning, they arbitrarily put a security alert on my credit report and said that I did it ( when I did not ), and they wanted all sorts of personal ID information on me before they would work with me when I 'm not the one who made the mistake. 
What concerns me the most is that the US FEDERAL GOVENMENT -- yeah, you guys -- links with Experian to do a " soft inquiry '' if a citizen like me wants to set up a My Social Security Account online. In other words, that 's how much you trust the data mining operation otherwise known as Experian, whose corporate headquarters are located in the XXXX XXXX XXXX. 
The only 100 % accurate credit file on me is XXXX. 
So I need you to contact Experian and challenge them as to why they continue to arbitrarily put " security alerts '' on my credit file just to make it difficult for someone like XXXX XXXX to give me credit, and to make it difficult for me to see a copy of my own credit file, which is my right under the FCRA.
XXXX XXXX XXXX has sent my internet bill to a company called XXXX XXXX I told them.when I get the extra money I will pay the bill I'm paying other credit card debt right now I have told this company this several times. 2weeks ago this company called my supervisor work phone. When I asked the person on the phone how they got her number he said XXXX XXXX XXXX proivde it to them. I'm confused because I wasn't working for this company when I had my XXXX XXXX XXXX service that is volition of my right
On XX/XX/18 I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went XXXX XXXX. It would not return my ATM card or checks. I immediately reported the incident inside the branch. The ATM was not investigated or taken offline. The 2 checks I deposited totaling {$890.00} were not returned or credited to my account. I complained to the CFPB. 
In response, on XX/XX/18 Wells Fargo told the CFPB it had issued me Monetary relief of {$890.00} for the 2 checks I deposited that were lost by and in its ATM.

Then four days later, Wells Fargo issued me a XX/XX/18 letter saying it is going deduct the {$890.00} ( it told the CFPB it had issued me as Monetary relief ) because it has been unable to locate the 2 checks I deposited in its ATM. This letter says that I need to have stop payments put on the 2 checks I deposited in its ATM, at my or the issuers expense, and that I need to have the 2 checks reissued. 

Wells Fargo 's ATM ate my deposit. Wells Fargo lost the checks I deposited. Wells Fargo is at fault but burdens me with the remedy. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

Is there no sanction when a Bank submits a false response to the CFPB?
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.