WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account.
I am in the process of applying for Lowe 's discount credit card. They are asking for both date of birth and Social Security Number. Is this safe to do so, in the light of 'Identitytheft ' dangers?
My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped.
Because of some rare car trouble, I was unable to get to a Key Bank branch by the due date of my installment payment. I called on the due date and told a Key Bank representative of my predicament. I was told to call once the late charge appeared on my statement and ask for a refund. I did so. The Key Bank representative refunded the late charge. 

My next month statement showed the late charge and then the credit, but show a minimum payment that includes both the late charge and the payment amount. I called another Key Bank representative - a phone call designated internally at Key Bank as XXXX - who told me that Key Bank has, in fact, refunded the late charge but still requires the amount of the late charge to be paid with the regular payment, in a sense, prepaying some principal. When I inquired further about the refund, the representative claimed something to the effect that " This is how we do it at Key Bank. '' I am not at the location where my account agreement is located, but this appears to be a completely self-serving policy of the bank, especially for clients who may be struggling financially. If this policy is not part of the loan agreement, then I think that it is against public policy that a late fee assessment and waiver should induce involuntary principal repayment from the borrower. 

I would appreciate a response from the appropriate Key Bank representative regarding this troubling policy, and I will review my account agreement by the time the Key Bank representative contacts me.
Case number : XXXXAs previously stated every thing remains the same about the non-response from Ocwen to the actual complaint and who has again not addressed the issues and RESPA at all and claims they can send a so-called Transferee Notice saying anything they want in total disregard of the Transeror Notice. 
IF the CFPB rules the OCWEN Notice of XXXX 2014 is lawful, then CFPB must rule that the XXXX XXXX Notice of XXXX 2014 is also lawful and supercedes the Ocwen Notice and payments will be made to Homeward Residential in XXXX. 
I have presented what the CFPB claims RESPA says and what RESPA itself says and OCWEN IS NOT IN COMPLIANCE. Ocwen again has not made specific reference where we are alleged to have claimed untimeliness and they made false reference to it again. 
The CFPB must decide if XXXX XXXX XXXX Transferred Servicing to Homeward/Ocwen XXXX XXXX as the Transferor Notice claims or Ocwen as Ocwen 's XXXX unfounded and unmatching Notice claims. 
Their attorney and Ocwen claim that Homeward/Ocwen in XXXX and Ocwen Loan Servicing LLC in XXXX are the same identical company so now CFPB must rule on this matter and take the appropriate action while also remembering the XXXX XXXX Notice of XXXX 2014 which supercedes Ocwen 's Notice. We await a CFPB ruling stating both companies with different names and different locations are the same identical company.
This company calls me at least 3-4 times daily and now I have been contacted by old friends whom Transworld Systems called directly telling them that I have student loan debt and demanding information about my employer, address, phone number etc. This is absolutely embarrassing and unacceptable.I still have no idea how they were able to get their numbers but my privacy is completely comprimised.
My loans were paid in full in XX/XX/XXXX, I thought I gave Navient ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send Navient a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if Navient is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to  purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
The You 've Earned It Program offered by the Maryland Mortgage Program is in violation of the FTC regulation,16 CFR Part 321 Section ( l ) ( 1 ), due to its deception and unavailability of use. The section clearly states that " an act or practice is deceptive if there is a representation, omission of information, or practice that is likely to mislead consumers who are acting reasonably under the circumstances, and the representation, omission, or practice is one that is material, i.e., likely to affect consumers ' decision to purchase or use the product or service at issue. " The You 've Earned It Program was initiated on XX/XX/XXXX, the terms of the program are still available at the following link : XXXXThe program was then expanded on XX/XX/XXXX, to include Veterans, that announcement was made directly through a press release from Gov. XXXX 's Office : XXXXBased on this program, I decided this would be the perfect assistance I needed to buy a home, I had not considered this an option prior due to my large amount of student loans. So once I became aware of the new program on XX/XX/XXXX, I followed all of the required steps of the program. I acted as quickly as one can in making such large decision, and was able to find a suitable home, and negotiated an offer. The day XXXX have my offer accepted, an offer that was written based on the program at the time of conception, I am told that the You 've Earned It Program has been drastically modified and I am not able to obtain the original benefits.
I have contacted Experian several times to dispute these inquiries and I have received multiple answers to throw me off. The following inquiries were made without my granted consent : XXXX XXXX/XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. 

CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015
The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.
I had a payment due on my Citi card. My account is set up for auto debit. I made more than the minimum payment due of {$7100.00}. I called to make sure they would NOT also debit my checking account. Citi accepted my payment of {$10000.00}. I was told on call number one that they would NOT also debit my checking account. 

Today - they debited my checking account, causing a $ 5000+ overdraft. I can not reach anyone at Citi who is helpful. Despite the fact that they see and have seen the payment, I am told it will take 3 - 5 business days to resolve. I am told there are no supervisors above the person I spoke with for 20 minutes. 

I have other checks coming through, which will bounce, fees, service charges and on and on and on. I need help
My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.
This complaint is a new of the same complaints have have done before I recive a later fro bank of america their new claimed that they did n't received my morgage payment I noticed this is the way they denied getting my payments onXX/XX/XXXX I send them 3 payment the claimed never received I recive a certified letter from bank of america lawyer harassing me at least that 's the way in this letter bank of america lawyer make me more sick than I am I started in my last complaint I do n't appreciate hearing from a lawyer of a bank I 'm trying to get help from as I said mostly lying for them. his lying starts this way he claimed I 'm the one that does n't want to get help by not turning paper work they need WRONG I can prove that. They claimed they got me a loan modification but their loan modification was only to benefit them by law a contract is supposed to be equal not force by the court my morgage balance is 356,000 my house is worth 240,000 where is the help there?? They claimed I did a bankruptcy, wrong, through their loan modification they have access to my financial issues they check my credit every time they want, wrong, my mental mud gets worse after I get any of their lawyer letter or they called police on me. I pay them their mortgage and they still send me a a bill that says I did n't pay them, wrong, I asked them to stopped charged me for their called home insurance ( PMI ) another way to rob people it did n't help me before onXX/XX/XXXX,  wrong, their response mostly wo n't answer me but the harassed me with their lawyer I stated this is some kind of XXXX discrimination harassment or if it 's not why their lawyer gor a simple complaint?????
The company refused to produce enough information to verify the debt. The will not send me copies of the signed contract with my signature.
i paid the collection agency and they said within 2 weeks, the debt would be taken of my credit report. 
it has been a year and every time i have called i get the same answer that they are working on it.
I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.
I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.
Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX XXXX, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX XXXX  according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.
On XXXX XXXX XXXX I opened a Citigold account using a promotion code XXXX to get XXXX XXXX XXXX XXXX points after fulfilling certain requirements ( {$1000.00} in debit card transactions and a bill payment for at least XXXX consecutive months ). In XXXX XXXX I confirmed with Citibank representative that the promotion code XXXX is attached to my account and what are the requirements for me to get the bonus points ( attached 'Citibank XXXX offer confirmation.pdf ' file ). In XXXX XXXX I confirmed with Citibank representative that I have met all the requirements and that points will be credited to my XXXX account 90 days from the end of the XXXX XXXX statement ( attached 'Citibank XXXX Requirements met.pdf ' file ). I was actively using the Citigold account when I realized in XXXX XXXX that my bonus points have not been posted by Citibank ( it should be the end of XXXX XXXX ). I contacted Citibank and received a response that I was ineligible for the bonus points as I was not targeted and that I will not get the bonus points as originally promised despite Citibank charging me the service fee for the account I opened with the promotion code and my efforts to meet the requirements for the promotion. I do appreciate if you could investigate my complaint and help me making sure Citibank honors their promise. Thank you.
I am in the Public Service Loan Forgiveness Program. My loan payments are calculated at the lowest payment based on my income. I also attend school. I have submitted waivers for each loan sequence where a waiver is possible. My loans should always be in repayment. My student loans are serviced by XXXX XXXX XXXX. Each year this problem occurs and I spend hundreds of hours of my time fixing the problem. 

Recently, XXXX University updated my status with XXXX XXXX XXXX as in-school. Somebody at XXXX  XXXX messed up my deferment dates and wiped out years of qualifying PSLF payments. I have called and called and called and I need your help. XXXX XXXX XXXX will not fix the problem. I need my loans all put back into repayment, the lowest IBR payment reapplied, my qualifying XXXX payments from XX/XX/15 to present reapplied to my account, and a note put on my account telling the people who work at XXXX  XXXX XXXX to leave it all alone going forward. 

I just want to make my IBR payment, I want my qualifying payments put back on my account, and I want XXXX XXXX XXXX to leave my account alone. Their mistakes end me up in this situation every year.
I was double billed for a Hotel Night stay by the hotel and the booking agent. I disputed the hotel charge and if Capitol One credit card company did as instructed, it would have eventually worked out. Their interference without my instructions only made the problem worse. If I understand the procedure, I the client am right until the Vendor proves otherwise.
Attached is my last correspondence with Capital One without acknowledgement that they received it.
I believe their procedures should be reviewed and phone communication does not seem to work. Plus extremely time consuming
On XXXX at XXXX P.M. I authorized Wells Fargo Dealer Services to withdraw my car payment from my Wells Fargo XXXX Account stating the funds would be withdrawn XXXX hours or the next business day. On XXXX at XXXX I purchased XXXX XXXX tickets using my Wells Fargo XXXX Account XXXX {$220.00} XXXX. On XXXX I was debited from my checking account a NSF Fee of {$35.00}. 

I contacted Wells Fargo and they were unwilling to refund the {$35.00} and could not explain how I was overdrawn by XXXX, but able to purchase my XXXX tickets on Friday, even though I was overdrawn. I OPTED OUT of the courtesy payment when I opened the account. This appears to be quite predatory and a money grabbing scheme to cheat depositors out of money.
This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.
Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.
In XX/XX/XXXX I found three bank books from XXXX XXXX  which are now 21 years old. ( XXXX XXXX  then it was XXXX XXXX and now it is Wells Fargo Bank ) I deposit on XX/XX/XXXX at XXXX XXXX   XXXX in a Burial Funds Escrow account for my XXXX  brother. I am my brother 's legal guardian. The account saving book was put away and forgotten because brother was put in a group home. I have moved a couple times in XXXX XXXX and now I live in XXXX. When I got to XXXX   the group home told me to put about a XXXX in a death account for my brother so, I went to Wells Fargo Bank and did so. The account were never linked because someone withdrew a lot of money from the burial funds escrow account while in was in dormant status. When I went to Wells Fargo on XX/XX/XXXX or XX/XX/XXXX they found a similar XXXX XXXX   number and that when they found that the withdraws where made. I asked for the withdraw signature slip I was told that I would need subpoena. I have bought all my identification to prove who I am and my guardianship papers. 
The second on XX/XX/XXXX I deposit XXXX in an saving account for myself. Wells Fargo told me they would not do any investigation because they had no account similar to the XXXX XXXX account. I have checked everywhere and there is not record of this money such as unclaimed money. I went back to Wells Fargo and asked please do an investigation and was told they could not do anything. 
The third saving account was for my XXXX  brother for the amount of XXXX that was deposit on XX/XX/XXXX which was a year after mother 's death  XX/XX/XXXX and a year before father 's death XX/XX/XXXX. After their XXXX  I became my brother guardian. I been to legal aid and I am XXXX over limit for there help. I am XXXX years old and a retiree. Can any one guide me to the next step or an solution. I have all the bank books, file and letter I wrote to Wells Fargo Bank and will send as needed.