WillisBack/dataset-financial-user-claim huggingface dataset:
WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST EIGHT MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN ! A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY  THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM XXXX SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
i have multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.
On XXXX XXXX, XXXX my mortgage Company, Seterus, sent me a letter stating that as part of my HAMP mortgage program that I qualified for an additional incentive. The letter attached stated that after the 6th anniversary of my mortgage modification ( which was XXXX XXXX ) if I signed the paperwork and sent it back they would apply a {$5000.00} principal reduction to my balance and would amortize my loan after the {$5000.00} principal reduction was applied. XX/XX/XXXX I contacted Seterus and asked where the {$5000.00} principal reduction was and I was told it comes from the government and it can be anytime after the 6 years. So I waited and waited and finally XXXX XXXX I received a {$5000.00} principal reduction to my mortgage balance. Then my XX/XX/XXXX statement came and the payment amount was still the same so I contacted Seterus to find out if my amortization was in the works or what was the status. I am a single mom trying to make ends meet and I am having a very difficult time right now since the rate keeps rising on my mortgage that was modified and I have been waiting a year for this principal reduction and amortization. I am struggling to make the payments. I ca n't get any to refinance my underwater mortgage because they say I received the modification so I ca n't take advance of the HARP refi that allows people with underwater mortgages to get help. So I was told when I contacted Seterus that they have no record of a amortization and I told the representative " I have the letter you sent me. '' She said " its over a year old we have no record of it '' which its not my fault it took a year for this stuff to be processed. She told me I had to send a letter in writing to the Correspondence Department with a copy of the letter. She also indicated that there is only XXXX people working in that department so there is no turn around time and she does n't know how long any response will take.
My daughter attended XXXX in XXXX several years ago. We have a student loan with Wells Fargo ( was XXXX XXXX ). For several years we have managed to keep the loan current, but she recently ran into financial issues after having her XXXX child. We spoke to Wells and they offered a modification. After completing all of the paper work and answering questions ( this took about two months ), we were told we did not qualify for the modification because we couldnt afford the lower payment. Obviously this isnt making sense, this is why we asked for help in the first place. Their response was they can not practice predatory lending and if they lower the payment knowing we cant afford it, this is doing so. We asked if they could help us get caught up and they again said no, that since we dont qualify for the modification we dont qualify for deferred payments. We have gotten repeated calls, and we have made small payments and asked numerous times for help, with the same response each time, " no there is nothing we can do ''. Yesterday I received a call from a man that stated we owed the money, and must pay, he suggested that my daughter who works full time and has an infant at home get another part time job. I am disgusted by this company and am desperate for any help we can get! We have asked them for help for 6 months, and they know we need it, but they refuse to do so. What can we do?
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
I took a personal loan through my local bank last month ( XXXX ) to pay off XXXX credit cards, XXXX being a bal of {$1000.00} on AT $ T Universal card ( Citi Bank ). My bank sent certified check to them, and I received a letter from Citi dated XXXX XXXX stating " The last payment received was {$1000.00} and was applied on XXXX XXXX '', but Citi has not credited my acct with that check, and is still showing the bal due and a payment due. I called 3 times last week, they said they would have to start investigation, and needed info from my bank on if/when that check was cashed/cleared. I called my bank, & that check was cleared prior to the letter Citi sent me, I returned calll to City with the info, & my bank will send or fax the info to them. I called Citi today, again, and was told the same thing ... they will have to start an inverstigation, they have no info on that payment, etc. Now, within a few days, I will have to make another payment to overpay the acct, or I will be in default which will affect my credit. I can not understand how they can tell me they have no info on this payment, made by my bank, of {$1000.00}, when I have a letter in my hand from Citi dated XXXX XXXX, stating that they received it and it was applied on XXXX XXXX! I do n't know how to get Citi bank to apply that payment to that XXXX XXXX XXXX credit card before I go into default, or at all!
We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. 

We request that you make a payment and resolve your balance. 

Please click here to view your payment options. You can also respond to this email with any questions. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Our payment forXX/XX/XXXX was not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXandXX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXXwas paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXXand it was paid on XX/XX/XXXX( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXXand late for XX/XX/XXXXfor our XXXX XXXX   account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan sinceXX/XX/XXXX
This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.
I feel th at western union should be held accountable for the large fees they charge for money transfers in minutes, when in fact it can take 2 hours for it to complete. Money in Minutes is misleading. I h ave had  XXXX  transactions in the pa st 2 weeks that have had a 2 hour review process. My banking info and card I am using match my western union profile. The person I am sending money to is my h usband.   I contact ed Western Union about both m y transfers.      XXXX  transaction was on  XXXX / XXXX / 17  in the amount of  XXXX  in which I was charged  XXXX  for money in minutes. I contacted them to find out why my money transfer was in review, I was told he just needed to go to a person with his ID and not one of their Kiosks. However the email did not state that. At this time it was to late for me to go to  XXXX   XXXX  since the funds had already been removed from my account.      XXXX  time was today  XXXX  in which I was sending my husband  XXXX  in which I was charged  XXXX  for transfer in minutes. After initiating I got an alert to call them to expedite the process or I could wait. I called and spoke to a woman at about  XXXX   XXXX  est. She asked me questions like, why I was sending it, where, and my relation to the receiver. At the end she said I will get an email with in 5 min and  that the transfer will be ready for pickup in which this time he could go to a person or Kiosk It is  XXXX    XXXX   est time and the transfer is still in progress under review. I called and spoke to a gentleman and he told me the review t akes 2 hours an d I would have to wait.     This was a domestic transfer as well.
I was aggressively sold an installment loan by Wells Fargo, told it would save me money on my maxed out credit card. Turns out the interest rate was 11 %.
Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You
In XXXX of 2016 I received a letter from a company named Navient stating I have to make a student loan payment to them. On XXXX/XXXX/16 a certified letter was mailed to Navient requesting validation of the allege loan debt. Navient has failed to validate the debt and is in violation of Fair Debt Collection Practices Acts that require a debt collector to validated the debt they are attempting to collect on. Navient is harassing me and conspiring to defraud me by violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Furthermore Navient continues to attempt to collect on an alleged debt without strict proof of its existence falls under Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my XXXX credit report and noticed Navient published a negative remark. This is defamation of character and a violation of Fair Credit Report Act which requires accurate information be reported.
My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.
I checked my Experian credit report and there is a discrepancy that says I owe several hundred dollars for medical services that I did not receive. I have been on the phone with XXXX twice, each time for more than an hour. In fact, as I am typing this, I am on my 65th minute on hold. Experian has identified that the person who owes the debt that is on my credit report has a different name than me and that the debt collection agency does not have a social security number on file. I already submitted a " dispute '' 30 days ago and it was declined. Experian is telling me that the collection agency has the right to put it on my credit report since they do not have a social security number for the person who received the services. They also now are telling me that it is my responsibility and my burden to prove that I did not receive these services and that I am not XXXX XXXX. They are also saying that they will file another dispute letting the company know the issue, which they already did and it was already rejected. How is it that someone can damage someone 's credit report by guessing who owes the money and then it falls on the innocent party to prove that they did not receive those services and that they are not the person who owes money? It has left me with only an option to seek an attorney at this point.
On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.
THE FCRA STATES THAT ALL INQUIRIES MUST HAVE A PERMISSIBLE PURPOSE AND THAT THE CREDIT BUREAUS HAVE TO HAVE DOCUMENTATION ON FILE OR IF I REQUEST IT THAT THEY MUST REQUEST THE DOCUMENTATION TO SUPPORT THEIR POSITION TO LIST INFORMATION AGAINST A CONSUMER. I AM ASKING THAT THE FOLLOWING INQUIRIES BE FULLY INVESTIGATED AND THAT PROPER DOCUMENTATION BE SENT TO ME SHOWING THAT I GAVE PROOF GRANTING PERMISSIBLE PURPOSE TO THESE COMPANIES TO PULL MY CREDIT TO EXTEND A CREDIT LINE TO ME. THIS IS NOT A REQUEST FOR ANY SECURITY FREEZE OR FRAUD ALERT TO BE PUT ON MY FILE. I AM ASKING THAT THE LAW BE FOLLOWED AND THE BURDEN OF PROOF CLEARLY LIES ON THE CREDIT BUREAUS TO PROVE BEYOND A REASONABLE DOUBT THAT WHAT THEY ARE REPORTING MEETS THE GUIDELINES OF THE FCRA. 1. XXXX XXXX ON XXXX PULLED MY CREDIT. I DO NOT RECOGNIZE EVER GRANTING THIS COMPANY WRITTEN OR VERBAL PERMISSION TO PULL MY CREDIT. I CURRENTLY DO NOT HAVE ANY LINE OF CREDIT WITH THEM. SO UNLESS EXPERIAN CAN PRODUCE PROOF YOU ARE TO REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 2. XXXX XXXX THIS HARD INQUIRY IS SHOWING UP WITH NO PERMISSIBLE PURPOSE ATTACHED. I AM DEMANDING THAT EXPERIAN REACH OUT TO XXXX AND ASK FOR DOCUMENTATION STATING THAT I GAVE THEM PERSMISSION IN WRITING TO PULL MY CREDIT. IF WITHIN 30 DAYS YOU CAN NOT PRODUCE PROOF YOU ARE TO REMOVE IT. 3. XXXX CARD ON XXXX EVEN THOUGH I HAVE A XXXX CARD I DO NOT REMEMBER ASKING THEM TO PULL MY CREDIT ON THIS DATE ( THE DATE IS IN QUESTION ). I AM ASKING FOR FULL IMMEDIATE PROOF SHOWING PERMISSIBLE PURPOSE. IF YOU CAN NOT PRODUCE THIS THEN REMOVE THE INQUIRY. 4 XXXX ON XXXX I DO NOT KNOW THIS COMPANY, NOR DO I EVER REMEMBER ENGAGING THEM IN ANY CONVERSATION FOR THEM TO PULL MY CREDIT. I AM DEMANDING THAT YOU REACH OUT TO THEM AND ASK FOR A SIGNED APPLICATION SHOWING THAT I ASKED THEM TO GRANT ME CREDIT. IF YOU CAN NOT PRODUCE A SIGNED AUTHORIZATION FORM YOU ARE TO REMOVE THIS INQUIRY AS THERE IS NO PERMISSIBLE PURPOSE. 5. XXXX ON XXXX I DO NOT RECOGNIZE THIS INQUIRY THEREFORE I AM DEMANDING THAT YOU REACH OUT AND ASK THEM FOR A SIGNED AUTHORIZATION FORM SHOWING THAT I GAVE THEM PERMISSIBLE PURPOSE TO PULL MY CREDIT. IF THEY CAN NOT PRODUCE ONE YOU ARE REQUIRED BY LAW TO REMOVE IT. I WILL BE FILING A COMPLIANT WITH THE FTC AND ASKING AN ATTORNEY TO REVIEW THIS AND IF WE DECIDE TO SUE YOU OVER THIS THEN YOU HAVE BEEN WARNED.
After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
XXXX XXXX XXXX called me to collect payment for a debt. Because it was a phone call from a company I had not received notice of collection for, and because my cell phone was dying at the time I received the call, I indicated I would take care of the payment and got off the phone. I did not receive from XXXX XXXX XXXX any other contact attempts, nor did I receive notice in writing from this company regarding the debt they were trying to collect. I also, did not receive notice regarding the ability to dispute, I believe I am supposed to receive notice in writing of the attempt to collect a debt prior to it being reported to a credit reporting bureau. Because I did not receive proper notification, nor did I have the proper amount of time to respond, I have requested the collection record be removed from my credit reporting. The agency refused to remove the improper collection attempt from my credit report and their response was that they called me and expected me to pay over the phone to a company I had never spoken to using my credit card, which to anybody would seem like a scam.
I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.