WillisBack/dataset-financial-user-claim huggingface dataset:
LoanCare misapplied my first mortgage payment to another loan and then credited it to the correct loan 3 months late. They took my second payment and put it into a suspense due to the first payment not being made ( was they misapplied it ). On the second payment an extra {$620.00} was made toward principle. Only {$190.00} of the {$1500.00} payment was ever credited toward my principle. Third payment was credited as a two payment ( one due and one in advance ) instead of applying {$1100.00} onto the principle as directed by the payment coupon. All payments were made on time with an attached payment coupon properly noted with the extra principle payment. See email letter. After 5 months of no resolution, I had to hire an attorney to write a letter in my behalf to the mortgage company and still not results. I am out {$4000.00} in attorney fees and it is still going higher.Review my XXXX 2017 billing statement and you can see all the errors in the details ; nobody can figure out what LoanCare is doing to my mortgage loan. They also attacked my credit file with a 30-59 day late that dropped my score from XXXX to XXXX. I have never been late on any of their payments and they sent me a letter stating they would not damage my credit report due to their errors ; however, reported me late anyway.
Property : XXXX XXXX XXXX, XXXX, CA XXXX In XX/XX/XXXX, XXXX XXXX via their agent OCWEN sued me for eviction in my rental. This was the first I realized they had ( it turns out illegally ) foreclosed on my rental, with a 5 year lease. 

Under both Federal PTFA Protecting Tenants at Foreclosure Act and CA State PTFA, XXXX XXXX has to honor my lease, which is in effect until XXXX. My lease includes a long list of repairs the ( now former ) owner agreed to do, since the property is seriously dangerous and dilapidated. I replied to the first eviction with my lease, and they withdrew their first eviction. 

I subsequently hired a XXXX, after being informed of a mudslide at the property which caused the property to be evacuated. He wrote a long report that the property is a " Danger to life and limb '' and needed immediate repair & geological stabilization. He also discovered XXXX XXXX only has title to the front half of the house. This report was provided to XXXX XXXX via their attorney, who responded by trying to evict us, again. So I defended our right to be here & have the property repaired. 

Knowing the home is extremely dangerous, XXXX XXXX has refused to make any repairs, forcing me to make repairs to make the home even half way livable. Thus far I have spent hundreds of thousands in repairs. During discovery on their lawsuit, I found forged loan assignments including XXXX XXXX, which made it impossible that XXXX XXXX owns this house. When presented with this evidence during our deposition in Spring XXXX, with requests to prove they own the house -- XXXX XXXX withdrew the case. XXXX XXXX XXXX only defense to my valid lease was we had strike throughs in it. This is not a legal claim. Thus far I have spent almost a XXXX XXXX dollars in attorneys fees defending their bogus eviction, for a home it appears they actually stole using fake loan assignments. 

XXXX XXXX presented their " Person most knowledgeable '' for the case as from OCWEN. When I made this same complaint in XXXX for failing to honor PTFA law, XXXX XXXX responded it was " not them it is OCWEN ''. The problem is, during the deposition OCWEN testified multiple times they are acting on behalf of XXXX XXXX. I have the entire deposition transcript. Further -- OCWEN is not the beneficiary so they can not legally evict me, only XXXX XXXX can. It is clear XXXX XXXX and OCWEN are playing a shell game -- but it is XXXX XXXX XXXX   name on their ( now dismissed ) eviction lawsuit against me. 

Meanwhile -- I learned during our deposition that XXXX XXXX does not even have a process to handle renters, which are 60 % of the foreclosures. Their PMK testified that is the " Foreclosure Trustee 's job ''. Are you kidding me? That is not their job, they just sell the house!! It is squarely XXXX XXXX XXXX job to know who is in the house, if they are a renter, and to honor their lease. This also means doing needed repairs -- not being a slumlord and expecting a renter to make extensive or any repairs!! This also means that in 60 % of the foreclosures, XXXX XXXX   is just thumbing their nose at the law.
XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the TransUnion report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the TransUnion report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
I was attempting to get my free annual reports on line and there was a power failure. When I got back to my computer the PDFs were gone I could not recover them. I asked for access like you get when you pay 30 days, but was denied. I then asked to have them mailed and this is the response I got from Trans Union. No pay for it now. I think that is unfair. I tried to get them online and failed. Then I wrote them and filled out the mail request form and then they said no again.
My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.
Address XXXX XXXX XXXX XXXX nj is not mine never was on Equifax file I want it off please thanks
I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.
I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you!
The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.
Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.
I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XX/XX/XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XX/XX/XXXX to XX/XX/XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
I initiated a transfer for {$1400.00} via online banking on the Bank of America website on XX/XX/18 at around XXXX. This was payment for deposit and first month rent after I had sent back a signed lease to the scammer. I had discovered that it was a scam later that day and called Bank of America at around XXXX on XX/XX/18. I had asked them to stop the transfer, but they said there was nothing they could do even though they knew it was a scam.
I sent {$3000.00} through  Western Union  money transfer online service to  XXXX  on  XXXX   XXXX   2017. Th e service was promised to receive my in recipient account within  one  business day. But even today on  XXXX   XXXX   2017, m y  XXXX  account did not credited with money I sent.  XXXX  equivalent amount is  XXXX    XXXX   I spoke to  Western Union  people 3 times so far they were unable to explain where my money went and they could not provide any email proof to me that how and where they sent money.     I happened to spoke to international bank about it but unfortunately they did not receive any money or without any transaction tracking details they were unable to help me  Western  union only gave me this : Tracking # ( MTCN ) :  XXXX   XXXX   XXXX  which shows transaction complete.
I signed up for a Citi Gold Checking Account last week of XXXX 2015. At that time, I spoke with a bank teller ( not done online ) that I qualify for the CitiGold Checking promotional offer of XXXX AAdvantage Miles that I received in mail. If I cleared {$1000.00} spend with the debit card and XXXX consecutive months of bill pay from the checking account then I would receive the points. I asked her multiple times to ensure I qualify because my participation was contingent upon me earning those points. She confirmed. IF that is not promissory salesman ship I do n't know what it is ... But it gets worse. First few weeks of XXXX I jumped through the millions of hoops ( felt like ) to get the checking account up and running, a terrible experience in it of itself. Once my account was functional I proceeded in achieving the {$1000.00} spend and 1 month of bill pay. In XXXX I called and asked a representative where I was in satisfying the requirements to be awarded the XXXX AAdvantage XXXX. The rep I spoke to confirmed that I still am eligible for the promotional offer and have completed XXXX of XXXX requirements ( still needing the additional month of bill pay ). XXXX then came and made the bill pay, and what I thought, completed the process. I called once again, and AGAIN received confirmation that I completed all requirements and should now receive my points within 60 days. It is now XXXX XXXX and now resolution ... ... I submitted a inquiry to CITI on XXXX XXXX checking the status once more and received a generic response " they were looking into why they have n't posted yet ''. Last week, ( week of XXXX XXXX ) I secure messaged Citi to confirm my points were on the way. The woman I spoke to said I should hear back from the team NO LATER than XXXX XXXX. It is now XXXX XXXX. I do not have secure message screenshots of the conversations confirming the deposit of the points post-completion however the evidence should be kept on their recorded lines from those months. This was BY FAR THE WORST CUSTOMER EXPERIENCE I HAVE EVER HAD. I feel like I am getting the run around by every single person I talk to just kicking the can down the road so they can get as much monthly service fees ( {$30.00} ) as they can in the process. Completely unjust and criminal in my mind.
This company, never notified me, emailed me, I have frozen my credit reports due, to losing my wallet, and a home invasion years ago, I have never had XXXX..as I use a antenna, with aluminum foil on the ends. I researched this company and saw, they have been known to just give a Bill 3 weeks ago they began calling, me threatening to take my XXXX check, I told the lady, on the phone. I didnt know who she was or the company, at all
paid off loan to car with XXXX checks. They cashed a XXXX check and a XXXX check almost 2 months ago. 
they said XXXX check was sent back ( however, no check received and bank statement shows they cashed check ) they kept XXXX check. 
they are now saying I own 3 months car payments and will repo vehicle despite them having almost XXXX they cashed to buy out vehicale and can not account for the money. 
I 've called 30 times, promised a call back and never given one. Told different story every time.
I only attended XXXX XXXX for two semesters. They were somehow able to obtain acess to every single federal loan and grant i was capable of recieving. Ultimately cashing them all in for roughly {$25000.00} in just six weeks. Deposited it into their school account. i saw none of it. Then after leaving i was current on my payments until i had six different accounts. And every year my refund check is taken but nobody has the common decency to say why or send me a reciept for which outstanding account it went toward? You think im some kind of fool? My father didnt raise me to be a pushover and get hustled. We earn what we get. We dont just collect or inhereit a secret hedge fund from grandpa XXXX from XXXX XXXX.
On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.
I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.
XXXX XXXX XXXX is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with XXXX Pressler and Pressler LLP who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.
On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. 

XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. 

It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of XXXX
# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all  this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Hello, You didn't have other options so I did my best to get to this area. My Husband and I are divorced. We are both Veterans. I got the house in my name only .As far as I know I am happy with my VA Mortgage.I had my Divorce laywer with me to get this house and review every inch of the paperwork and signing. so I do not think or know if my Mortgage company is hurting me. But I do not think so. Contacting the VA and the Lender and the USPS is going around in circles.. Although most of his mail in his name is at his new home address. This evil mortgage companies started mailing sleazy offers to him with my home address. I know they try to Lure foolish Veterans astrey .. The zipcode on the envelope is XXXX sent from XXXX California. Yet it came from Pacific Union Financial LLC d/b/a LoanitXXXX XXXX XXXX, XXXX, XXXX, TX XXXX XXXX NMLS ID # XXXX toll free # XXXX XXXX XXXX reference # XXXX. and should I just write refused on the envelope and send it back to them by USPS? Or forward it to my Ex husband new address? .Can you help.