WillisBack/dataset-financial-user-claim huggingface dataset:
The mortgage in question was foreclosed on in 2013. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Ocwen mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted Ocwen several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 
XXXX XXXX XXXX
We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX
This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.
I receive calls about my supposedly 1 late payment multiple times per day. I get anywhere between 5-11 calls per day. It seems that they are harassing me because I made the last payment the day the billing statement came out and when I spoke to them they said that did n't count toward that month. I can understand 1 call per day but 5-11 calls per day is just harassment.
The car financing company XXXX is currently reporting as a closed account on with all three credit bureaus. They are also reporting as a judgement on equifax. I have contacted all XXXX credit bureaus because XXXX XXXX is currently garnishing my wages receiving roughly about XXXX per month since XX/XX/XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
I get a chargeback on my account on XXXX/XXXX/16. I contact my bank Capital one and fax the documents on XXXX/XXXX/16 as request by the bank. I received a notification on XXXX/XXXX/16 that my dispute was denial due to documents received after the date line. I called the credit card company with prove of documents faxed on time and they still applied that he was received after the date specified in the letter. The company did n't give me the regular time frame and did n't follow with me about this issue.
On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
After opening my trading account with Coinbase , Inc online inXX/XX/XXXX, I wired {$15000.00} onXX/XX/XXXX to Coinbase, Inc account at XXXX XXXX XXXX  for my digital currency investment. On Coinbase website coinbase.com, this company never tells any investors that there will be a problem with their wire deposit before anyone initiate a wire transfer. However, after over 80 days, I have never received the $ XXXX wired money to my account with Coinbase. I called almost every week to Coinbase to speak to their customer supports. But Coinbase has never done anything to resolve my problem. I went through the Coinbase XXXX of no support, no answers.
I am not quite sure why XXXX in 4 months time did not question XXXX Mortgage for information listed on my credit file as them being a creditor of mine. I had my attorney review this credit report from XXXX XXXX XXXX XXXX and that is when he found 21st Mortgage is listed as a creditor on my credit file. I have advised XXXX over XXXX times I did not and do not have a mortgage with any financial institution. Please remove this off of my credit file immediately. I have written to 21st Mortgage and asked these people why would they place themselves as a creditor on my credit file when they know they have not granted me any type of credit for a mortgage or any thing else. I do n't even know how these people obtained my social security number. I have never signed any type of authorization for 21st Mortgage to check my credit for any thing. And XXXX sure did not receive a mortgage from these people. Please remove this off of my credit immediately. 
XXXX XXXX
Attorney wrote a letter to XXXX XXXX stating that interest rates were usury and illegal in the State of New York and that the bank was to cease all phone calls which begin in the middle of the night through XXXX and XXXX XXXX   and all day long. Bank inflates amount owed and is ruthless and fraudulent in the bank 's attempt to collect. The phone calls are debilitating.
I call today XXXX XXXX XXXX and spoke with XXXX XXXX she call me a lie about 14 medical bill I dont own .. I try to talk to her about is identity theft be cuz I have the prove and police report I been in this situation over years .. they dont want to make any fail decision about my case she es very rude to me by the phone ... she was I have medical insurance I never have before in my life!! The only insurance I have is XXXX  XXXX She say she didnt believe what I was saying .. any to XXXX  no collect entre medical bill in my name she say they have 14 new bill from XXXX XXXX clinic
THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED
I have two credit cards with Captial One. I also use their credit monitoring service " Credit wise '' among also belonging to Credit Monitoring with XXXX and XXXX. 

I noticed that my credit card balances have not been updated in quite some time. In particular my balances were last updated XX/XX/XXXX. When further investigating when balances are updated accoriding the the close of my billing statement, I noticed that they were not correctly reporting the balances timely per the billing cycles, and therefore, my credit score does not update to the score that would most accurately reflect my credit usage. 

I reached out to customer service through the Capital One Chat service, simply explaining the issue and asking them to update my balances accurately. The customer service reps simply denied the ability to do so stating that they can not change their policy as a courtesy to me. I was not asking for a courtesy, I was simply asking them to accurately report my balances for XXXX per the Credit and reporting Act. They simply did not and refused to update my balances even though they were reported 100 % incorrect. Instead I was advised to wait an additional month to see an update - but by then I will have paid my cards down even more so and it will still be incorrect! 

I feel that my consumer rights to have my balances reported accurately and timely has been violated and capital one does not seem to care very much to update them for the correct Months billing cycle - even though its the law.
The purpose of this written request is to request an explanation and documentation as to why a secondary corrected IRS Form 1098 was issued for loan # XXXX. This information is necessary to file an amended 2017 Federal and State Tax Return and to file a formal complaint with Internal Revenue Service against Seterus Inc. and file a formal complaint with the District Attorney Office of XXXX XXXX. 
It appears based on this information provided that Seterus Inc. has been manipulating and wrongfully distributing the contractual principal and interest payments in to a defunct escrow account and suspension account thus resulting in a corrected Form 1098 to be  generated. It also shows that Seterus Inc. is wrongfully administering the contractual principal and interest payments in order to fabricate a delinquent mortgage account with an intent to generate a loan modification for which Seterus Inc. has a financial gain interest in and/or a notice of default to produce unverifiable fees and service charges.
I received two calls this morning between  XXXX  and  XXXX    XXXX   XXXX   from this company for a  XXXX   XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in  XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!
I phoned Chase Bank in order to apply for their advertised Chase Sapphire Card which has a number of Bonus Points attached to the use & payment of said card.
I have had this particular card in the past and chose to Cancel it after a while as I did not spend as much money ( in Retirement ) as I once had.
As it turns out, I am building an addition to my home and will be spending a LOT in the next few months, so I want this card. My credit score is certainly high enough as I know it is over  XXXX  pts. and I have very little outstanding debt. So little that I could pay it off at any given time if I chose to do so.
So, one week ago I applied on-line for this card and was told I could not be approved. I BELIEVE this must be because I am older and retired and they do not think I will spend enough money or something. Whatever their reason, I am certain I qualify for the card in accordance with their own criteria.
In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru
On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.
I believe I may have been affected by the recent data leak of Equifax. As a precaution I will be submitting this complaint against Equifax on X/XX/2017. I will be taking other actions against Equifax to the best of my ability.
I was a victim of identity theft and several accounts were open under my information. I filed a police report against Power Finance. I have not received any emails or phone calls to get this resolved. I want this account to be deleted and removed from my files. Please see my police report that contains the date, amount and account information that was falsely opened.
I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report
I have judgements on my transunion credit report that have been paid off and should never have been reported. The sums were paid in full. I am still a resident of the apartment complex. I would like for these items to be removed.
My American Express Corporate card number was stolen and used to make XXXX purchases for {$430.00} in total without my knowledge in another city. I called American Express and they promptly replaced my card the next day and said they filed a dispute for the charges. However since the charges were not removed, I have since had to call twice only to be told that they would dispute the charges again and that it would take XXXX days. Each time I call, they make me repeat the same information all over again, attempt to be nice, and then tell me not to worry about it, however it 's been almost a month since my card was stolen and the charges are still on there. If I was a personal card holder, I would have already cancelled my account, but since my company chooses to use them for my Corporate charges, I have no choice, but to stick with them and keep fighting.
To Whom It May Concern, Bank of America gave me a HELOC loan on my house that is in a Commercial zone. There are other single family homes within this Commercial zone and this is allowed by the zoning in this area. Bank of America is now trying to change the HELOC loan to something else in order to do a " Commercial '' short sale which in turn means that they are trying to unilaterally make changes to the terms and conditions of the loan. This is all outlined in detail in a attached .pdf named XXXX.
I am a XXXX yr old military spouse living overseas. I work for a credit union and teach college part time. I 'm educated, and proud of my education, but have a huge issue with my final student loan ( I 've paid off 5 others ). The purpose of this email is to call out student loan companies and how they gouge students in the repayment process. Example, my student loan is through Great Lakes. The details are below. 
Original Loan amount : {$18000.00} Amount Paid : {$11000.00} Remaining Balance : {$20.00}, XXXX Those numbers might not mean a lot to you -- but when this loan was taken out in XX/XX/XXXX and it 's now XX/XX/XXXX -- it 's more than disheartening and sickening on how much I 've paid vs. how much is still owed. While my husband and I do ok for ourselves, imagine the younger generation being stuck with a loan such as this after years and years of repayment. Yes, I went into deferment twice, yes I delayed once -- but have been paying solid for several years. You can see that just by the amount that has been paid back. It makes me ILL knowing they are allowed to do this and my balance is not even XXXX penny lower than when I took out the loan now nearly 11 years ago. If anyone needs I would be MORE THAN happy to provide statements for the past several years. 
I 'm not asking for a hand out, I will pay my debts. If I do n't pay -- I 'm at fault. When I 've paid that much toward this loan that only rises ... it 's simply not fair. Imagine if car companies, credit card companies, home lenders were allowed to do this..but for my student loan it 's ok?? 

Thank you for your time,
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX First I phoned Wells Fargo I lost my job. I asked them about HARP and if I qualified. They said no ( I later found out that I did ). WF talked me into a modification loan which was to help me. They never explained that it would make my credit score sink to nothing. They also created a separate account which I made my modification payments too, while my other original account was still open reporting I was n't paying anything to. Which created a late payments and interest build up. The added {$10000.00} to my loan. From the time of the mod to the end of the mod, I paid in over {$13000.00}, that does not include the {$10000.00} extra tacked on. I was told this mod would take about 3 months to finish, it took almost 1 year which hurt me. I found a number direct to the harp program, they acknowledged that I would have qualified very easily. I would like to get back everything I have lost. I can not buy anything because of Wells Fargo. I have sold my house and cant buy another even through Wells Fargo where they know my history. This is the worst Mortgage company I have ever dealt with. I know they are under investigation for other accounts, but someone really needs to look at the mortgage side and how the handle and convey information plus everything should be done through one account not create another. In my opinion the is wrong, this shows incorrect reporting to superiors and stakeholders and to public.
XXXX XXXX-They continuously lose paperwork. I have had to re-send things several times. Customer service does not seem to understand how to resolve issues. They really seem to have no idea what is going on at all times. They did not process my Public Service Loan forgiveness information. It is 5 months later and received an email that I don't have it and it lapsed. So I no longer have Public Service Student Loan forgiveness and they seem to refuse to work with me.
XXXXXXXX XXXX and Select portfolio is continues to conduct unfair lending practices and mortgage fraud. 

XXXX claims I agreed to a Sub Prime Loan Modification. I never agreed to a Subprime mortgage. My principle balance was {$84000.00} prior to XXXX transferring my loan to their Loan Servicer ( Select Portfolio Servicing ). 

I have been waiting for the past 7 months to get a resolution with Select Portfolio for a Loan Modification, Now SPS is stating they need approval from the Lender who is actually XXXX XXXX. This is a mortgage fraud, XXXX told me to behind on payments to qualify for the HARP program. Now SPS is saying the same thing, my mortgage payment is {$980.00} a month and out of that amount only {$120.00} dollars goes towards the principle balance. 

Please add me to the Class Action Lawsuit against Select Portfolio and XXXX  for Mortgage Fraud
Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me.
Hello, I tried submitting a complaint earlier, I need to break it down into smaller complaints This complaint will deal with Account Control Technology Inc while my wages were being garnished by XXXX on the behalf of Federal Student Loans ACT sent me a letter demanding I pay this bill. I am that person i live at that address. I have never meet the person legally responsible for that bill. 

The person they wanted to contact was XXXX that is not me.
On XX/XX/XXXX I read an e-mail from XXXX regarding a new debit card that was mailed to my home address. I had not received the card, so I logged into the XXXX web site and noticed unauthorized transactions. All POS Debit transactions from XX/XX/XXXX to XX/XX/XXXX are fraudulent. On XX/XX/XXXX I called XXXX and spoke to a customer service representative who transferred me to a representative in the fraud department. I received an Affidavit of Unauthorized Debit Card Transactions form which I filled out and faxed to them and a case number XXXX. On XX/XX/XXXX I received a phone call to answer additional questions about the fraudulent transactions. On XX/XX/XXXX I made a call to them about the status of the claim and they stated that the claim was denied. I filed a CFPB complaint, XXXX and received a letter from the bank with the details of why the claim was denied. I mailed a letter back to them disputing their claims on XX/XX/XXXX and have not received any response.