WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.
Company has failed to follow through with just removing this account from collections even after it was originally stated that this was an identity theft issue -- I did attempt a few payments ; and still nothing has adjusted or been completely removed. 

I would like this entire account to be removed from my credit report immediately so I can move on.
On    XXXX   XXXX   XXXX   this company r eceived a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809,
REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. 

Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. 

Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. 

The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. 

Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. 

I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.
I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.
My job has come to me about excessive calls from this company. They say the people that call ask for me but they always call at the wrong time because I work nights. So the people at the front desk try to transfer them to human resources and they immediately hang-up. I called to ask why they call my job and they say to inform me of my passed due account. I'm already aware of that from the many voicemails, emails, and letters in the mail. I let them know that I am doing the best I can but all they care about is forcing me to pay.
I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. 

VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. 

Proof of VERIFICATION are bills, receipts, credit card and bank statements. 

Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.
I have been trying to reach Abr recovery services by phone and e-mail seems to me this company has block all access for me to send copies of the faxes and the letter, that was sent on XX/XX/XXXX,XX/XX/XXXX and three other times that they were contact, another form of harassment. I can be reach @ XXXX XXXX, XXXX Thank you
I have a Hard credit inquiry on my credit report from XXXX XXXX Again I have not authorized this inquiry Again I did not give permission. This is a fraud
I could almost check each and every one above. Rush card had a system update on XX/XX/XXXX. I had funds added to my account on XX/XX/XXXX. Funds I had XXXX XXXX to me to help out on bills I had. My car payment. Well I called in for a replacement card with mine being damaged. I was told 7 to 10 days. 2 weeks later still no replacement card. Then finally it came in the mail. I opened it to realize it was the same numbers just different expiration dates and different XXXX numbers on the back of the card. Didnt think anything of it. Well after calling for another 2 weeks i recieved my funds on my card XX/XX/2015. So the system told me my card was activated as well. One problem i had i couldnt remember the pin number so i called. Put my info in with new XXXX digit code on back and the operator told me wrong number. After a few times i tried my previous XXXX code from my first card and it still told me the same thing. So i got transfered to soneone i could speak to. Which shocked me. Few weeks prior i would have to select the feature of applying for a new card to talk to anyone live. So the gentleman told me i should have not gotten the same number when they replace card came in. I told him its not lost, no one has it. I had just damaged it accidently and i couldnt use it at all to swipe or to withdrawl. So didnt see how it would really make a difference. So, now once again he deactivated the card and sent me out a new one. Today is Wednesday and he told me it would be here Friday. I am wondering if this is the start of another two week checking my mail box to no card. Or better yet get charged for another replacement card that is sent quicker which costs more money. Someone has to pay for it. Either way I am back at square one with a XXXX Dodge Avenger that is about to be in a reporting for non payment which will effect my credit. I have been trying to play catch up for a month now and i am still struggling being a single mom with XXXX children who i dont get any support for. So, i dont just have that kind of money to throw away or wait for. When i got this prepaid card i didnt think their was ever going to be such a hassel. Boy was i wrong. Makes we want to stick to the local banks where i can actually go in and see and talk to someone when issues arise. 
I guess i am wondering what Rushcard is going to do to help me when my car payment goes over a 30 day late payment where my account will be considered delinquent. They report me to all three major credit bureos. Which i spent over a year paying an agency to help get my credit half way decent. Now, a gliche, update system, whatever Rushcard 's excuses were, once again in a diffrent aspect is back to square one. Please get this fixed and help me out so I can get my fiancial statements up to date and live my life stress free again. Never would imagine this would or even could happen until it has to me. 
Also a little helpful note. It would be a little stressfree to be able to speak to someone that understands me and well as i can understand them. 
Once again. I just want to be able to get to my funds as well as making sure my car doesnt get reported to consumer reports. 
Thanks
The Macy 's credit card charges a minimum {$2.00} fee that I was n't aware of. 

Between XXXX XXXX and XXXX XXXX, I had a balance on the Macy 's store card of {$120.00}. I paid that balance off on XXXX XXXX. Because I had a balance between XXXX XXXX and XXXX XXXX, I was charged a " MINIMUM INTEREST CHARGE '' of {$2.00}. 

I called Macy 's to inquire about this {$2.00} charge since I have never seen it before and certainly not what I signed up for. To my surprise, their automated phone system gave me the option of removing that {$2.00} interest charge as a " courtesy ''. 

I believe this this practice to be illegal since the interest on a {$120.00} for 4 days that the balance carried over with my current APR of 24.75 % is no where close to {$2.00}. 

I would like Macy 's to be investigated for this practice.
My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .
I received a physical check from the social security office on XX/XX/XXXX and deposited it via atm. at that time I went ahead on the assumption that it had been cashed as normal since it was a government check. However I was later emailed and notified that only XXXX dollars of the XXXX had been cleared as the rest was put on hold due to being unable to contact XXXX XXXX XXXX. when I complained I was told that it was XXXX after the second complaint. then I received an email from the senior vice president of fraud prevention and it stated that my monies would be released on XX/XX/XXXX. I expect nothing more than additional difficulty as since my initial filing with the cfpb against chase I have had nothing but issues. They debited my account 3 times and continue to claim that they are credits and ignore any attempt at a rational explanation.
I ended my services with XXXX XXXX and returned all the equipment. I rec 'd a notice saying that one piece of equipment was missing and they sent a bill with that notice. When I showed them their receipt that shows all the equipment including the one in question was returned to their office, I was told that it would be corrected in their system. A few months later while purchasing a home I was told that there was a collection debt on my credit from XXXX in regards to the same bill/item. To purchase the home I had to settle with the collection agency and pay the bill for {$120.00}. I rec 'd documentation from the collection agency and from XXXX that the matter was settled in full satisfaction. Now 11 months later I rec 'd a notice from a different collection agency stating that I owe the full original amount again. I informed them of the settlement in satisfaction and sent copies of the settlement notices but to no avail. XXXX will not answer the phone or emails and my credit score is effected. Hold times to contact a XXXX customer service is always over two hours long. How do I hold XXXX accountable for their mistakes as they have held me accountable for mine?? How do you force a company to handle things properly besides boycotting them which I am doing. I will never use the services of XXXX again but need help correcting my credit score damage that they have done.
The amount of the total amount owed had increased greatly than the amount of what I borrowed. The interest added on to the loans are outrageous.
Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
In the ongoing saga ( now nearing 4 months ) of trying to get a refund of our escrow account balance in the amount of {$1400.00} so that we can pay our property taxes, once again Nationwide ( now known as Mr. Cooper ) has, without authorization, taken a full amount due of {$1700.00} for our mortgage payment in XXXX from our bank account, rather than the balance after this promised credit noted above which was authorized at {$220.00}. Since our last complaints this company has sent us a check for the owed amount which we deposited and then learned they later stopped payment on it without any notice to us ( which resulted in a fee to us by our bank and could have caused an overdraft in our account ), thereby taking back OUR money. That is what they did again on XX/XX/XXXX with an  unauthorized withdrawal. We have not approved an automatic monthly withdrawal by this bank, so we do n't know why they could take a different amount from us than that authorized in a phone call on XX/XX/XXXX. Every move made by them since our mortgage was sold to them appears to border on fraud. We have written letters, spent countless hours on the phone with multiple customer service people who provide no service. Our concern is that our property taxes are due XX/XX/XXXX and the money put aside is not at our disposal to pay them.
To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.•	Repetitious  Phone calls –telephone records list 25 calls in the said time frame•	Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process)  and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment  stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”•	Failure to notify me of my right to receive verification of debt •	Failure to provide me  with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX•	Failure to inform me that I can dispute the debt •	Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX.  She did not provide the requested information to me.•	I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue.  I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.
On XXXX/XXXX/16 Ditech received a {$2000.00}. principal payment from me. My check had " Principal Payment '' written on it. When I checked online, I noticed that the payment had been posted as the XXXX/XXXX/16 mortgage payment. I called Ditech on Monday XXXX/XXXX/16 to advise them that they had posted my payment incorrectly. The representative advised me that they would need three business days to make the adjustment/ correction, and that I could check back to confirm that the correction has been made. 

As of today, XXXX/XXXX/16 the correction has not been made. 
Is n't it the lender 's responsibility to post payments correctly? Once notified about the error, how much time does the lender have to make the correction? 
Thank you
Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. 
Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}