WillisBack/dataset-financial-user-claim huggingface dataset:
Recently Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX. Correspondence from Nation Star was initial confusing and dismissed as solicitation ; however, after notices from XXXX XXXX XXXX that my payment needed to be redirected to Nation Star, I was able to reset my Bill Pay with my bank to the address noted on the Nation Star correspondence. Unfortunately that information was inaccurate and after a few calls to Nation Star I the issue was resolved ; however, I made XXXX month 's payments beyond the transfer of my mortgage to XXXX XXXX XXXX. I confirmed each time that they were sending it through to Nation Star ; however, Nation Star could not confirm this for both months and informed me I was late on my payments. They required me to confirm the debit from my account by faxing backing statements ; however, I do not have access to a fax and they would not provide an email address to send the confirmation electronically. After multiple calls to my back, XXXX XXXX XXXX and Nation Star I was able to pressure/complain enough that I was then provided an email address to send documents for research. To complicate the issue and transition, I had set my Bill Pay up with XXXX different address ( both provided in the Nation Star correspondence ) and sent XXXX payments in XXXX for my XXXX payment. I recognized the error with XXXX of sending the funds and was able to get my back to request a return of funds to Nation Star ; however, Nation Star was unresponsive indicating the excess payment was applied to my delinquent amount. After significant time and pressure I was able to get the Nation Star customer service agent to conference call my bank to confirm the debit from my account and to facilitate the requested return. Also via the conference call I was able to get confirmation of my prior XXXX payments to XXXX XXXX XXXX thus " documenting '' my payments. Nation Star indicated that since this was not documented they would begin to research the issue and track the missing funds through XXXX XXXX XXXX, despite my verbal reference to the payment and dates of payments to XXXX XXXX XXXX and my confirmation of receipt and forward of funds by XXXX XXXX XXXX via bulk payments to Nation Star. While I contributed to the current issue not transferring my payments on time to the new mortgage holder and by sending XXXX payments in error, resolving the issue through Nation Star remains exceedingly difficult and they have yet to confirm payments received from XXXX XXXX XXXX. As a financial institution I find their ability to track and respond to issue underwhelming. I was even told by more than XXXX agent that Nation Star is not a " large banking agent like XXXX XXXX XXXX '' as an excuse why the information could not be researched promptly. I will be shopping for a new mortgage, despite the expense of closing costs etc., to get my mortgage out of Nation Star 's hands ; however, I am concerned that my mortgage can simply be bought again by an agency with poor service and inaccurate financial processing.
XXXX charged my card {$2500.00} for a 2 day rental that was previously paid for. They have no contract or agreement for that amount chase keeps allowing them to refill the fraudulent transaction repeatedly
My husband and I sold our house and moved from XXXX to XXXX in XX/XX/XXXX. I was hit with a big bill from XXXX XXXX for {$580.00} in 4 mos. I paid it off by a personal check on XX/XX/XXXX. XXXX XXXX, my ex-utility company, continues to send off debt collectors in spite of my many attempts of phone calls and mail correspondences to stop such harassment. 
Would you please advise? I thank you so much in advance.
In XX/XX/XXXX I applied for a home modification on my existing house through Ocwen. We were approved for the loan modification and the terms were as follows. For three months we had to make a payment of XXXX, and then the modification would be complete. I sent all the paper work including check stubs for my husband and my self. On XX/XX/XXXX the first payment of XXXX was paid. On XX/XX/XXXX the second payment was paid. On XX/XX/XXXX the third payment was paid. In XX/XX/XXXX the loan modification was denied in the form of the letter. We received no correspondence or phone call to let us know. I called Ocwen and asked why we were denied. They said that we had put a wrong date on the agreement form. I explained that we sent in the correct form sighed and sent them an email of the date it was sent. They said that the date on the paper not the email was wrong. They refunded the XXXX payment and did not inform me that the XXXX was sent back until after I had called in XXXX. I appealed the denial decision in XXXX with the escalation department so that I could pay my payments and keep my house. Ocwen denied the appeal. In XX/XX/XXXX I applied for the lone modification again, sent in all the paper work with correct dates and signatures. Ocwen waited until the beginning of XX/XX/XXXX and when I checked the website, ocwen needed more information about our pay. I was in the process of getting the information needed and then I was told that it had been denied by Ocwen. Ocwen told me that I had to reapply so on XX/XX/XXXX I reapplied. Ocwen said it would take around 5 to 7  days to review my modification application. I called Ocwen on the XXXX, XXXX, and Ocwen said it was still in processing. I called back on XX/XX/XXXX to ask about the modification progress only to be told by Ocwen that the foreclosure had been completed on XX/XX/XXXX. I called again on the XXXX and XXXX to see if I could save my house and got the same answer from Ocwen that the foreclosure was completed on XX/XX/XXXX. I was transferred to XXXX. which is Ocwen 's realtor and they could not tell me anything, they told me I needed to email XXXX to find out about my house. I emailed XXXX and asked if they could help me save my house but XXXX informed me that they no longer had my house. They said it had been sold to the XXXX XXXX XXXX XXXX. I tried calling them to find out who had my house and no one seems to know. I called the HUD housing and they can not see who has my mortgage. Today is XXXX and I still do not know who has the mortgage. Myself and my XXXX children are still living in the house and have no other place to go. I wanted to get in touch with whoever had my house to see if I could make arrangements to get it back. Please help me! Thank you.
I called my lender, Navient, because my interest only program was up and my payments shot up. I was on maternity leave and could not afford it. I called and they said that because of my billing cycle they could not process it for that month. I paid for my last month of forbearance and called when they told me to change back into the program. I called back to enroll and though the agent confirmed enrollment I was not enrolled. I called back to get it straightened out and was told I never made the request. I pointed out that they record calls and all of a sudden they find my request but it is again not timely. I spoke to XXXX different people ( finally spoke to someone not in a foreign county ) and they said they can not process it till the next month. They refuse to fix their mistake and when I finally have them process it they say it will not process to the month XXXX people just told me of but the month after that. Fraudulent statements by several people. One mistake I could understand but this is not the case. They are purposely making it so that I can not make my payments to try and collect the entire loan from my cosigner. Impossible that a company has no oversight or ability to correct their own mistakes.
On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX  yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX XXXX, DE XXXX ( XXXX ) XXXX
On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX  companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.
I was contacted by phone by Rent Recovery Solutions, XXXX. The collector told me that I owe a debt that I do not owe. I requested that she mail information to verify the debt to me. I gave her my current address and she recorded it. She stated that a letter went out to an outdated address. I said, please mail me information in writing to my current address. She refused. She said that if I did n't give her a fax number or an email address, then I was not going to get it. She was belligerent and combative about it. I asked, then why did you take down my current address? She said she would not mail me anything and that she could only use fax or email and that it would only have the name of the creditor and the amount due, no explanation as to where the amount came from or why. I informed her that it is my right as a consumer to have verification of the debt and the amount mailed to me in writing, and she still refused. She has called me back 4 more times, even though she has refused to verify the debt in writing. I believe the behavior of the debt collector is in violation of the Fair Debt Collection Practices Act. 

I have since disputed this debt in writing to this company. The letter that was mailed to an outdated address was eventually forwarded to my current address via the USPS. Luckily, I was able to respond in writing within 30 days of the date of that letter to dispute the debt. This is how I found the name and address of the company. If the mail had not been forwarded to me in time, I would not have had the opportunity to respond within 30 days. I think that is why they refused to mail anything to my current address - they did not want me to be able to dispute the debt in writing. I did not have access to a fax machine and, because this sounds like a scam, I did not want to give out my email address. The FDCPA specifies that verification must be mailed to me - not faxed or emailed.
We closed our previous Wells Fargo Cash-back credit card ( with XXXX balance/credit ) so that we can take advantage of the Rewards Visa Signature credit card with six months promotional XXXX % rewards on Grocery, Gas Station, and Drugstore purchases. Wells Fargo employed the bait-and-switch tactics to deny our promotion without any rationale. 
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!
Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well.
I have a XXXX Account for many years and have existing Investments through them. I moved to Hawaii in 2003 and there were no XXXX XXXX Locations in the State. Finally I had to close my account and open a local Bank of Hawaii account. 

I moved multiple times, always forwarding mail to my new address, however at the time I closed this account, I never received any late fee notices or contact via telephone or email. I submitted a letter to close my account and paid off the entire balance. There were absolutely No Late Fees I was made aware of at anytime. 

The amount disputed is {$15.00}, I have contacted XXXX locally in XXXX and Nationally, There is no account number they can provide me with, nor any details regarding this late payment. Ultimately, there is no proof I was late in payment and after multiple efforts contacting XXXX XXXX, they have not removed from small late fee from my credit history. I never even knew it existed until I checked my credit report history. 

Please advise on how I can dispute this and I 'm happy to comply in anyway to remove this from my record because I 'm fiscally responsible and am always on time with payments. 

Thank you for all your help in this situation, XXXX XXXX XXXX
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.
XX/XX/XXXX I started investing in a company abroad in the binary market. I first did my research before investing and there no negative remarks about the company. My initial investment was {$500.00} which I used from my checking account with The Huntington National Bank. The money went to XXXX XXXX XXXX which is the payment processing for XXXX XXXX. There was growth in the investment so in XX/XX/XXXX I invested another {$5000.00}. I was then charged a fee for sending the money over seas. I was unaware of this fee, but the bank informed me that it was in my contract when I opened the account a number of years prior to this transaction. I had to call the bank to approve the transaction and was not made aware of any such fee. The account continued to grow and everything still seemed legitimate so I invested another {$3500.00} in XX/XX/XXXX. I was charged the fee. Then in XX/XX/XXXX I authorized a transaction of {$5000.00}, but the bank let the company ( XXXX XXXX ) withdraw {$10000.00}. The company had put the money in trades so it was now tied up for three months. When the trades had expired XX/XX/XXXX I went to put in a request for with draw because the account had grown to {$120000.00} and I wanted my full investment back and let the rest go. I then found that I was locked out of my account and the website did n't recognize me. I called and emailed numerous times with no response from XXXX XXXX. I then contacted The Huntington and let them know the situation that I was scammed and I was told that they could not do anything for me. I had informed them that my credit card company ( XXXX XXXX ) had returned the money with the dispute and they have the same protocol for disputes. I just feel that they did n't want to help me. I have been a good customer for about ten years.
Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.
This complaint is against BMO Harris Bank N.A . I communicated with BMO from approximately XX/XX/XXXX through XX/XX/XXXX regarding obtaining a home mortgage. My main point of contact was with XXXX XXXX, the mortgage banker. Initially, I requested a quotation from XXXX for mortgage rates and fees. After subsequent emails and conversations, I told XXXX that I wanted to go with her initially quoted interest rate ( of 4.1 % ) and initial fees quoted which did not include points. I communicated that I did not want to buy the rate down. I also communicated that I wanted to lock in the quoted rate. XXXX informed me that the rate was locked. I later received paperwork in the mail to sign off on and I noticed that the box for a locked rate was not checked. I informed XXXX and she assured me that my rate was locked. As the mortgage process went on I continued to receive documents with points added to the cost of my agreement. I communicated this to XXXX and constantly reiterated that I had not agreed to that and did not want to pay for points. She informed me that it turned out that my rate was not locked in when she thought it was because of a system error and that there was nothing she could do to remove the points. She admitted that it was the banks error. I subsequently requested her supervisors contact information and she gave me XXXX XXXX XXXX contact information. XXXX told me she informed XXXX XXXX of the situation. I also contacted XXXX XXXX on more than one occasion by phone and email and never received any communication regarding a resolution to this issue. 
In the midst of all this, I continued to receive bank documentation to sign off on which had points added on that I had not agreed to. The documentation came with deadlines by which I had to sign and return the documents so I felt under pressure to meet the deadlines so that I would not be in breach of contract with the seller of the home I wanted to purchase and be in jeopardy of losing my earnest money. My real estate lawyer informed me that I did not have enough time left in the process to find another banker and secure a mortgage without being in breach of contract. Therefore, I marked up some of the loan documents, and signed them, indicating that I did not agree to the points that were added on. 
In summary, I made phone calls and sent many emails to XXXX and XXXX XXXX and in the end, {$380.00} was added to my closing disclosure that I did not agree to. XXXX replied to my emails and calls but said there was nothing she could do to remove the points. XXXX XXXX returned one of my calls and said that he would look into the situation and get back to me. Afterwards, some time passed during which he did not get back to me. I followed up with emails and phone calls and still did not receive anything back from him in regard to any progress or a resolution to the issue.
My XX/XX/XXXX payment was not made before XX/XX/XXXX due to an accounting error on my part. I make my mortgage payments over the phone every month and when the bank sought to withdraw the funds from my checking account, there was an insufficient amount due to my own accounting error. I entered into a payment plan agreement with the bank whereby my missed payment was broken up into 5 monthly sums in addition to my regular payments. I made my payments as agreed upon. The bank noted both my and my wife 's credit report as delinquent for six straight months while I was making the payments both me and the bank agreed. This action on the bank 's part has undoubtedly effected both of our credit reports in a most negative fashion. I do not think it is reasonable for the bank to saddle us with six delinquent notations on our credit reports when it was only one payment missed.
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed  by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX , Transition. Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX  .
On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.