WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Seterus Inc. to grant a mortgage release or short sale for my property. They have not taken any action to move this process along in the last 17 months. I send them documents repeatedly, they do nothing with them then a representative tells me they have expired. I start the process over and over. I have sent them hundreds of pages of information. They are now proceeding with foreclosure because they are saying it is my responsibility to clear the title for the property for a loan that existed prior to me purchasing the property. I have provided them with my title insurance " hold harmless letter '' and clarified how the title company says these types of issues are resolved. Seterus refuses to act on the information I provided. Then Seterus hired the attorney XXXX XXXX XXXX that has an in-house title company named " XXXX XXXX XXXX ''. I later find out that XXXX XXXX XXXX is the company that issued the title commitment showing a loan not cleared that previously existed before I purchased the property. Because XXXX is working for Seterus I asked Seterus to communicate with XXXX and send them the hold harmless letter I obtained from my title insurance company to clear this matter. Seterus would not do it, but instead sent me a letter saying my mortgage release is denied because I ca n't clear title. I had clear title when I purchased in XXXX. I had clear title when I refinanced in XXXX. This title mistake that existed only was revealed by Seterus in XXXX XXXX. In XXXX XXXX I sent Seterus the hold harmless letter that should of squashed this. They continued to act as if they were accepting my documents and processing either the short sale or the mortgage release, but never acted to clear the title. Seterus and XXXX denied the contract offer for short sale claiming that not enough was offered. The BPO conducted did not use like kind properties as a comparison as there are no comparable in the XXXX for the neighborhood that would suggest a higher value as the XXXX XXXX XXXX XXXX has not rebounded from the mortgage crises. It is highly disturbing that the attorney XXXX XXXX who is principal in XXXX XXXX XXXX that has sister company XXXX XXXX XXXX XXXX is representing Seterus against me. When XXXX XXXX XXXX XXXX has been given the information to clear the title so that the mortgage release can proceed. Seems to me that they are interested More in making money from the foreclosure than helping me proceed with the mortgage release. It is an unbelievable situation because my title company that I have insurance through " XXXX '' stands behind me on clearing the title ; which is why they quickly issued me the hold harmless letter. But yet Seterus refuses to cooperate sending me a letter that I am responsible for clearing the title ; mortgage release denied.
bank cancel my payments to my credit card without a notiffication wich cause a hit on my credit score
I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you
i went to the XXXX for my XXXX but the insurance paid a portion of the billthe remain the bill i do not know until i receive the phone from collector and they charge interest but this XXXX not my faultthey sent to progressive management systems collector can you tell me what can i do
On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.
Nationstar Mortgage has not correctly credited the payments that I have made. Now they are charging me late charges due to an error that they made on XXXX XXXX, 2015. I need to get this taken care of now before I lose my home. Please help.
There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
The company did not credit my account a {$300.00} bonus that was promised on XX/XX/XXXX. My funds were in the account and I followed the directions the banker gave me and upheld the minimum balance requirement within the deadline. I was told that I would not receive the bonus despite the fact that I met the account requirements. 

This is behavior is unethical and appears to be a retaliation from the bank because of my recent interactions with CitiBank and my XXXX CitBank credit card.
I was scammed by a PayPal seller. They claimed to be selling tickets to a concert. When I paid for the tickets, they blocked me from contacting them.
I have had private loans through Navient since 2006 because I did not qualify for federal loans due to my parents income. I went to school to be a teacher, I do not make a lot of money. Although Navient is currently working with me on lowering the interest rate, my loan amounts have doubled or more in many cases due to forbearance etc. these loans were put into forbearance when I had previously called to lower payments because I couldnt afford them. Rather than work with me, Navient deceived me and they have cost me roughly 30k in interest that I cant afford.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX bank # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX opened XXXX XXXX XXXX # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX Opened XXXX XXXX
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX  has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, XXXX, and Transunion on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX   First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX Former AddressXXXX XXXX  XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX  and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.
There is an inquiry on my credit report from Wells Fargo, I called to dispute and was told they received the application drom XXXX XXXX. I called Lending tree and they said they don't work with Wells Fargo and that was an error. I just want it removed as I did not give permission for Wells Fargo to do a credit inquiry.
My minimum payment for my NELNET loan is {$130.00} per month. I have been making a second monthly payment to my Nelnet loan for the last year. The additional payment of {$120.00} has done nothing to drop my balance. As a matter of fact the interest accrued this month was {$430.00}. My 2 payments combined were {$260.00}. Nelnet makes it extremely difficult for any additional amount to be applied to principal and I don't understand how they can charge interest that 69 % higher than my minimum payment. 
As I was looking over my loan documents I see that my loan is a consolidation of 2 loans.

My understanding of consolidation was that 2 loans rolled into one loan. But instead it is still 2 loans and they distribute the payments randomly in order to maximize interest accruals. While my documents call it one loan with 6.5 % interest I am actually paying 6.5 % interest each on 2 separate loans. How is this legal? My credit card  charges less interest.
I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.
My home was damaged by water in XX/XX/XXXX, mitigation services were completed, as was the repair work. I was issued a final insurance check inXX/XX/XXXX, which had to be sent into CHFA. I called CHFA to confirm all of the steps that needed to be taken and I sent in the check. They then called to tell me the check is being sent back because the proper documentation was not provided ( which was never discussed in the phone call ). I returned their call to confirm, twice, which documents they needed. I supplied them with the documentation that was requested. I then called to confirm, again, that they had received the documents and that everything was set in order for them to release the money. I was assured that they had received everything they needed and that they would issue me two separate checks, one for the mitigation company and one for me. They then sent me a partial check ( XX/XX/XXXX ), one third of the insurance check to be exact. When I called to inquire about it, they told me not all of the proper documentation and been received and that they will only pay out in increments and not issue the full amount. On top of more documentation, they also are now requesting an inspection that the work has been completed, which was never once discussed when we communicated about the issuance of the check previously. My home has also been refinanced with a different company, and CHFA is holding money from me for a home that they don't even own anymore.
I originated my loan last XXXX XXXX, XXXX from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. Due to my difficulties I refinanced with XXXX XXXX XXXX XXXX ( merger of XXXX ) refinanced my loan home yet through long they claimed that the worth of my house was lower than what I owed. My motive of why I would like to refinance is to lower my monthly mortgage. XXXX had signed me note refinance with 7.370 % rate. 
XXXX XXXX XXXX XXXX, always misrepresenting their Company when they clearly stated that they were merger with XXXX and they confused me always to whom or who was holding my notes and to whom I have to communicate regarding for my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping the government Loan Modification benefits and incentives for homeowners like us and their mortgage servicing doesnt want to accept my request for Loan Modification. 
XXXX XXXX, XXXX, I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to XXXX XXXX XXXX XXXX faithfully. I am denying allegation of XXXX XXXX XXXX XXXX  that I failed to remit payments as of XXXX, XXXX and after XXXX XXXX, XXXX which evidence of history payment from XXXX XXXX XXXX XXXX that I can enclose in the future. I had requested for the XXXXederal Governments Home Affordable Modification Program, that made available for home owners. I had already communicated and sent requirements to XXXX XXXX XXXX XXXX yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, XXXX and not after XXXX XXXX. XXXX XXXX XXXX XXXX have not dealt to me in good faith.
I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices.
I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.
This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
I have spoke to Chase about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.
I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.
I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. 

I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. 

Please see my attached letter, sent to Ocwen requesting help ( unanswered ).
XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18
After being a Discover Card holder for more than a decade, I received an email dated XXXX XXXX, 2015 stating that, " As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason XXXX XXXX ) : Inactivity on your account XXXX XXXX ). " The letter states that should I have any questions regarding the actions taken on XXXX my ] account to contact Discover at XXXX. 

Upon receiving the email, I contacted Discover and was told by the CSR and her supervisor that my account -- contrary to what the email stated -- had already been closed. " Why, '' I asked, " would you have already closed my account when I had just today received a notice from you telling me that the account would be closed within 30 days from the date of the letter? Why even send the letter if the account was already closed and there is 'nothing you can do about it '? " It is my contention that this was a punitive action on the part of Discover as " maintaining '' a zero balance account in a computer database costs them nothing. 

For my part, I communicated to Discover that the elimination of my zero balance against a credit limit of {$10000.00} would adversely affect my credit rating and that this was unacceptable. I was then informed that I was welcome to apply for a NEW account and that my credit report would be pulled for a new line of credit with Discover. I told Discover that this too was unacceptable as an unwanted credit inquiry can also negatively affect my credit rating. 

Time and time again I was told that " there was nothing they can do '' and " that I have no other options. " I informed Discover that the reason for my inactivity was because -- after contacting Discover on numerous occasions -- they refused to lower my interest rate from an egregiously high XXXX percent. I have a current FICO score of XXXX and, knowing that I was receiving much, much lower rates on my remaining XXXX card, chose simply not to use my Discover card until such a time that Discover lowered my interest rate to one that more accurately reflected my creditworthiness. 

Ultimately, Discover has made a unilateral decision -- based not on my creditworthiness, delinquency or any act on my part -- that has the absolute potential to adversely affect my:1 ) Existing credit rating ; 2 ) The interest rate ( s ) that I am being charged for my existing credit, and ; 3 ) My ability to obtain credit in the future. 

Discover is in effect blackmailing me use their card when it is my prerogative not to do so ; and furthermore insisting that if I do acquiesce to their demand, that I pay an exorbitant interest rate to do so. 

I have informed them directly that I will be filing a complaint with this Bureau and will be pursuing legal action against the regarding this matter. 

It is my intention to have my account reinstated and that my hard-earned credit rating remain unaffected, completely whole and in tact.