WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I contact Ocwen because I received an alert from XXXX XXXX that changes had been made to my credit report. I saw the changes on XXXX XXXX and that Ocwen had included a note and added to the amount I owe them. 

The note states that my house was " Affected by natural disaster ''. This is not true and I've told them this on several occasions when they asked me. I spoke with agent # XXXX XXXX XXXX ( a Relationship Manager ) this morning and told him I want this removed. Instead of telling me they'd remove this incorrect information, he proceeded to let me know that it doesn't affect my credit score so no harm has been done. I reiterated that I want it removed immediately. He then starts telling me how Ocwen uses this information and that it doesn't affect me at all. I still told him I want it removed. I'm including a screenshot of what XXXX XXXX shows. 

The second item is the increase in my loan amount to {$820000.00}. The actual balance showing on my XX/XX/XXXX statement is {$580000.00} ( {$340000.00} principal ; {$240000.00} deferred ). I'm including a screenshot. I told him repeatedly that Ocwen has added {$240000.00} in error to my balance. I've included a screenshot of this as well. First he told me the amount was correct because I do have a portion of my mortgage that's deferred. He then stated that they've added the deferred portion to my account because I defaulted on my loan less than 3 years after I received my modification in XX/XX/XXXX. To his point, the deferred {$240000.00} should have been forgiven because I have not defaulted since my modification in XX/XX/XXXX. I told him I haven't defaulted and asked for the dates in question so I could have this amount removed as well. He put me on hold several times then came back with a totally different answer. I told him that the deferred amount is not what I'm talking about and that the amounts are different and they've essentially added the same approximate amount twice to my balance. He kept telling me he didn't see it so they didn't do it. I went around and around with him about this and he told me to escalate the situation to get an answer. When I asked for the email address where I could send proof that they reported this in error, he said there's no email address. I'll have to fax or snail mail my information. What! They make it so difficult to handle issues with them and their processes are always so difficult. Their agents are almost never helpful and have difficulty understanding your concern so you repeat the same information. Even escalating issues are difficult and the supervisors and managers are not usually helpful either. 

In conclusion, I want the note about my home being part of a natural disaster taken off of my credit report. Additionally, I want the amount they added, {$240000.00}, taken off of my credit report as well because I do not owe it and I want the amount of {$240000.00} deleted from my balance because I have not defaulted within the three years following my loan modification in XX/XX/XXXX. My  remaining loan balance should then be approximately {$340000.00}.
On XX/XX/2018 Mobiloans attempted to contact me at XXXX and XXXX HST. prior to establishing who they were talking to they immediately advised via a recording that the purpose of the call was to collect a debt and any information gained would be used for the purpose. I stress that when they called and the phone was answered a recording played advising this was an attempt to collect a debt. There was not attempt to determine who they were talking to prior to the recording. 

I believe this is a violation of the FDCPA
I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.
To whom it may concern! 

I XXXX XXXX XXXX On XX/XX/2017 paid Honda Financial Services {$5800.00} in full for an ATV loan that I had through them. I received the clear Title in the Mail ( see copy attached ) Along with 2 Overpayment check ( see copy attached ) and they are reporting me as I defaulted on the loan which I was never late on it and the loan was paid in full and they are reporting to XXXX and XXXX negative on my account and I have the evidence that the account was paid with the clear title and overpayment checks for that account I sent XXXX and XXXX and Honda Financial Services a Dispute ( Notice of Validation Letter ) asking them to provide me with certain documentation to prove that I still owe them and XXXX and XXXX and Honda Financial Services failed to present me with said Documentation. XXXX and XXXX aren't doing there Job to investigate my Dispute. 
I have a copy attached of the Notice 's of Validation Letters that were sent out to XXXX and XXXX Honda Financial Services.
The FedLoan Servicing has done nothing but pass my umber out to a debt collector without attempting to respond to any of my issues toward payment plans, etc. Up until three weeks ago I was unemployed with a XXXX loan of upwards {$800.00} a month without including the now {$300.00} for FedLoan ( which I did n't even know I had until I received a monthly email starting a few months ago ). I can not afford to pay this and instead of attempting to make any rectifications towards this matter they passed my personal unlisted cell phone number to multiple numbers and now I am solicited for payment without even understanding why they wo n't work anything out.
To Whom It May Concern : My name is XXXX XXXX as of XX/XX/XXXX, i live at XXXX XXXX XXXX XXXX, XXXX, XXXX, I 've lived at my address for 21 years Its my primary residence, XX/XX/XXXX, I was in XXXX, trying to get equity line for {$60000.00}. I put my application in Wachovia Bank Mortgage and after a month they call me they tell me the loan is approved come get that {$60000.00}. When I go there they tell me to sign documents for that {$60000.00} they mislead me, Its fraud which I think that bank do to me, at the closing they told me there going to send me, {$60000.00} at my address, After I finished sign all those papers, I go home and discuss that with my son. My son tell me to cancel the loan, the next day after, I go to the place where I signed application for that loan to cancel that loan. They give me the phone # to call that bank, to cancel the loan so when I called them they say they will get back to me, as well as closing the loan they suppose to give me the form that should give me the ability to cancel the loan, they do'nt give it to me, I went back to Wachovia bank and it was coverted to WellsFargo Bank , also they told me that they pay XXXX XXXX XXXX , the loan # they say I had with XXXX XXXX XXXX , they made up by themself, I never had that loan # with XXXX XXXX XXXX also tell me I never have that loan # which the loan # that Wachovia Mortgage say they pay on my behalf, that loan # XXXX XXXX XXXX XXXX XXXX # with them, they say XXXX XXXX XXXX XXXX #. I believe that Wachovia Mortgage and WellsFargo want to foreclose on my house for the loan they charged me for they never give me any money for that loan also they never pay XXXX XXXX XXXX balance in behalf of me for XXXX. I spoke to XXXX XXXX XXXX about that they say they are not aware of that loan also the bank, WellsFargo recording title on the name XXXX XXXX XXXX in order to get money from me. I think thats fraud. I talk to XXXX XXXX XXXX about the payment WellsFargo claim they pay to XXXX XXXX XXXX in behalf of me. I ask WellsFargo for proof they paid, XXXX XXXX XXXX in behalf of me by sending me a photocopy of the canceled check they pay to XXXX XXXX XXXX. XXXX XXXX XXXX tell me they never received the money from WellsFargo only one way to prove by send me the canceled check. They send me all those documents except the canceled check. I ask them to send to me that they paid XXXX XXXX XXXX in behalf of me, I think thats my right for WellsFargo to send me the canceled check they claim they pay to XXXX XXXX XXXX. If they do not send me that canceled check, the resolution is that they have to pay me XXXX for damages they cost my life, also i can be contacted at my phone # XXXX, Thankyou.
I have requested to have payments above my required payment to be applied to principle and have been told that it ca n't be done. I have requested on more than XXXX occasion going back at least 12 months. This is from ED Financials statement : the Extra Payments. Paying off your student loans sooner is easy at Edfinancial.com. When you pay more than the minimum amount due, you can direct the extra amount to specific loan groups. You may also request one-time or recurring special payment instructions via phone, email, or mail ( including your account number ) using our correspondence address : XXXX XXXX XXXX, XXXX, TN XXXX. If you plan to pursue XXXX, visit XXXX for more information regarding prepayments and how they are counted as qualifying payments.
I am writing in regards to an XXXX loan taken out to pay for the education of my daughter. For the past 6 years both myself and my daughter have struggled to make this loan 's necessary payments. My daughter 's business went bankrupt and my own XXXX XXXX fell on hard times and is not producing the same revenue as it once did. We have been unable to match the monthly payments of {$1300.00} since that time. For the past 6 years, I have explained to XXXX XXXX representatives that I am undergoing financial hardship and have requested assistance in lowering the monthly amount due or allowing me to refinance. Other than the option of deferment, no other financial assistance alternatives for economic hardship, no other avenue was offered by HESAA, but deferment. Ultimately deferment has not provided us with the ability to solve our financial crises. It has actually made payments even more difficult to make, as the amount due has not changed or lessened and interest has continued to accrue. Each time I have asked for better finance options, I have been told that they would not refinance with me and my only option has been deferment. 

In XXXX of XXXX, in desperation I borrowed money from a family member and managed to catch up and pay the past due amount, I phoned an XXXX representative and again begged for assistance in lowering my monthly payment. I was again, told to try and refinance the loan elsewhere. I was again told that no further assistance, no refinance option through HESAA and no income-based repayment plan were available. All of my requests for refinancing have been rejected by various companies, such as XXXX and XXXX XXXX, due to my home being dangerously close to foreclosure along with my financial hardship. My daughter 's credit has improved, but they will not allow me to put the loan into her name, so she is unable to refinance the loan. 

Since XXXX of XXXX, I've fallen behind on payments to XXXX and have since been in touch with representatives trying to get them to work with me to lower my monthly payment amount. I am unable to pay the current amount past due of {$9600.00}. I simply do not have the funds, nor does my daughter. Representatives are insisting the past due amount be paid in full. Furthermore I've been told that once the amount is paid, I may be eligible to apply for refinancing with HESAA ( a new option that the company apparently allowed sometime in XXXX-an option that was never mentioned to me before by any HESAA representatives until today, XX/XX/2017 ). 

So now I am writing to, once more, request some way of helping adjust the amount of my monthly payments to XXXX. Should I magically come up with the amount past due ( now totaling {$9600.00} ) and get caught up, I still may be denied a refinance option by HESAA, which would leave me right back where I started : with a monthly loan payment I can not afford. I want to try to pay back the loan that was given to me, that allowed my daughter to go to college, but with monthly payments I can not make and the inability to attain refinancing, I do not have a solution. Please help us in resolving this. Thank you.
I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.
Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.
I get phone calls morning XXXX  and night. I have told them to stop so many calls but they still call even on Sunday in the morning. I had two calls in a row on a Sunday morning from XXXX XXXX. I received 9 calls on Saturday. I receive about 9 during the week day every day as well.
There are XXXX mortgage accounts that are reported to the XXXX credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those XXXX accounts where paid in full and the accounts were closed on XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those XXXX accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the XXXX credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to Transunion, XXXX XXXX XXXX and to this day they keep responding  that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
On XX/XX/XXXX, I had to transfer {$5000.00} from my checking account to my savings account to avoid being defrauded by a fake airbnb user, while I attempted to fix the issue directly with Airbnb customer care. On XX/XX/XXXX, a purchase on coinbase went through on my checking account and the bank had to cover the XXXX purchase. I immediately received an e-mail notice of insufficient funds and after having resolved the issue with XXXX, I transferred {$4000.00} back to my checking account from my savings on the exact same day ( XX/XX/XXXX ). Apparently, the bank charged me {$70.00} worth of overdraft fees ( one for covering the XXXX on coinbase and the second one for my XXXX transfer to my savings account ) and withdrew it from my account without reflecting such withdrawal on my online banking transaction history. A week or two later, I received a Notice of Insufficient Funds on the mail, stating that the bank had charged me XXXX for my online transfer and for to coinbase purchase. After reviewing the notice, I checked my account again to see if those charges were reflected on my account. Not having seen the XXXX withdrawal ( or two separate {$35.00} withdrawals ) I thought the bank had made a mistake sending me that Notice and not charged me any overdraft fees since I covered the overdraft on the same day. Fast forward to XX/XX/XXXX, the bank claims to have issued a refund for the XXXX, which again is not reflected on my online banking transaction history. After calling the bank 's online banking department and speaking to supervisor XXXX XXXX, the bank had no feasible explanation for what had occurred. The IT department of the bank figured it must have been because " the transactions happened after the cycle had ended and I needed to wait for another cycle for it to reflect '' ( meaning the banking institution can just take out money from anyones account after the end of any cycle and it will not reflect ). XXXX XXXX encouraged me to speak to the Internal Complaint Department of the bank. After speaking to another employee, her explanation was that because " the bank issued a refund, the transactions balanced out and the bank does not reflect that on the transaction history. '' Both answers given were false. I have screenshots of my mother 's account, who also banks at Wellsfargo, clearly reflecting when a fee is withdrawn and when a fee is refunded. This situation has been extremely alarming and concerning. As of today, those transactions have yet to reflect on my online banking transaction history. The notion that I have to trust that this is the first time this happens is simply preposterous. I can not believe a banking institution is allowed to withdraw money from my account and not reflect it. I went to a branch in my area and they kindly printed out a transaction history that is only available to them, which clearly shows that the XXXX were indeed withdrawn by the bank on XX/XX/XXXX and refunded XX/XX/XXXX. Nevertheless, neither of those two changes are reflected on MY view of my account.
Dear government agency, My loan account XXXX I have been being victim from Nationstar Mortgage for cheating as servicer. They have told me to help me to cooperative with them to avoid foreclosure. I have been cooperated with them and they lied and foreclosed my house today XXXX XXXX, 2017. They do n't even tell us that they will foreclose today. I just noticed today. I was so sad to me since they promised me to coop with them. I have been listed the house and did as they directed. They told me that they will have my house approved for short sale auction with XXXX and as long as I signed agreement with them. On the agreement they did say that if I agreed to let them auction my house at XXXX, they will suspend the sale date and help me walk through the process. However, the auction end yesterday with no bidder, they foreclosed my house today. I do n't think they do something fair to give me a chance to avoid foreclosure. I do n't even notice that the foreclosure sale is today too. I relied on what they said and promised.
I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. 

However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. 

Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.
Lobel Financial assessed a mandatory insurance policy on a vehicle financed through them even though the proper and required proof of insurance was provided to their legal and insurance departments on several occasions by myself and by my insurance agents. 

The policy premiums for the coverage assessed on the vehicle were prorated on a monthly basis and added to the monthly payment on the vehicle. Despite repeated phone calls and faxes by my insurance agents the assessment went in for a period of approximately 30 months. Additional attempts to provide proof of coverage were to no avail. Lobel Financial was informed the account should have been credited for the accrued mandatory insurance premiums by XX/XX/2016 else legal action would be brought. 

Company representatives provided assurances that the insurance issue would be taken care of and that the amount credited back to the loan balance would be used to offset future payments due. On XX/XX/XXXX the company proceded to repossess the vehicle on grounds of missed payments on the account. On XX/XX/XXXX upon contacting the company to cure the loan to recuperate the vehicle the company representatives stated that the only available venue to get the car back would be to pay the remaining balance in full. 

Their excuse for proceeding in such manner was the allegation that the vehicle was being used to commute back and forth from XXXX contrary to the loan terms. Upon review of the loan documents said clause is obscure and unclear and therefore subject to many interpretations.
There was a collection deleted from my credit reports in XX/XX/XXXX. On XX/XX/XXXX Experian reinserted the collection to my report. I never received any notification from them regarding the reinsertion. I contacted Experian on XX/XX/XXXX and requested this collection be deleted because it was never validated and I was never notified by them of their intention to reinsert this item to my report. On XX/XX/XXXX Experian responded with their results saying only the company, XXXX XXXX, certified the information is accurate. I have never received validation on this debt or notice of reinsertion from Experian, therefore I am requesting this item be deleted immediately from my report.
I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.
I financed a vehicle through DriveTime Automotive Group Inc. 
I made an initial down payment on a XXXX Ford Fusion. The payment amount was {$900.00}, and the bi-weekly payments were XXXX thereafter. For six months I made every payment on time and some even a day early. Some time in XXXX all of a sudden everything in my account was reversed and reapplied, and my statement now showed XXXX transactions per day where money was coming in and coming out. I have my bank records that do not mirror this activity. After that adjustment took place, I started to notice all of my payments were now going to 100 % interest and my Principal balance on my loan was not being affected. I have called and asked 5 times ( FIVE TIMES ) to have this reviewed. Each time a manager told me they would have it reviewed and someone would call me back. I have spoken with their collections manager who promised to escalate my call to payment research and PROMISED me a call back. I have heard nothing in over a week, and my next call in, the rep who took my call said there was no record of any conversation. My current payments are all still applying 100 % to interest ... My principal balance has not changed in about 4 months.
Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .
Loan modification documents were signed & XXXX on XXXX/XXXX/XXXX and Nationstar has failed to report the HAMP Tier 2 loan modification to the Treasury as of XXXX/XXXX/XXXX. MHA ( Making Homes Affordable ) Escalation Team has been contacted. Nationstar continues to request extensions. As of today, it has been 7-months since signiture. They state they are unable to upload documents. I feel this could be in retaliation for reporting them to HUD for failure to accommodate a person with a XXXX. Nationstar is aware this is delaying the finalization of 2MP ( XXXX Lien Modification ) paperwork with another lender.