WillisBack/dataset-financial-user-claim huggingface dataset:
Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX 
Thank You for Your cooperation in this matter, XXXX XXXX
This collection agency held an unpaid account in my name from a medical bill in NY that did not belong to me, in the amount of {$740.00}. After multiple unsuccessful attempts to remove the listing from my report I made arrangements with this agency to pay the entire amount of the collection account in return for removal. They told me that it might take up to 90 days for removal, which I agreed to. After 90 days the listing remained on my XXXX report so I called XXXX  and asked them to submit a dispute to Overton Russell Doerr and Donovan in regard to the agreement to remove. Within a week I was notified by XXXX that Overton Russell Doerr and Donovan is  refusing to remove the listing. I would not have paid the account if not for the guarantee of removal. This listing is causing undue harm to my consumer credit report. Further, the original debt dates back to XX/XX/XXXX and is outside of the time staute of reporting. I need for this collection agency to remove the listing as agreed to over the phone in XX/XX/XXXX.
I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that  XXXX  was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. Thank you.
In XX/XX/XXXX South Carolina Tax comission filed a tax lien on taxes due from XX/XX/XXXX and never notified me In XX/XX/XXXX I was transferring my house to my wifes name and the lien showed up on title work and I paid it That was the first I knew there was a lien. 
I file a dispute with Equifax to have it remove or even update paid and it still shows up as not paid I applied for a loan at XXXX XXXX XXXX XXXX and it cost me a higher interest rate. 
The reason it should be removed is I was never late I paid it the same day I found out it was on my record. Even in XX/XX/XXXX when I file my state taxes I got a refund back and was not notified of a lien
There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. 
I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. 
Requested to verify who is the mortgage lender of my house-no document. 
Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. 
I has ask for them to reply my email or to call me- there is no reply. 

I am in a really great need of any help!!!!
for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.
For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX
Transunion XXXX XXXX- XX-XX-2016 XXXX XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. XXXX and Transunion have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.
Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Bank of America beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Bank of America and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.
In XX/XX/XXXX I mailed in my mortgage payment to Pacific Union Financial. On he check I entered the correct numeric numbers XXXX but when written out I inadvertanly wrote out 'XXXX XXXX XXXX and XXXX cents ' instead of 'XXXX XXXX XXXX XXXX XXXX and XXXX cents '. The check was cashed by Pacific Union Financial but only for {$3000.00}. I never received a phone call letting me know of the error. I have had this mortgage since early XX/XX/2015 and never had a late payment. A letter was sent but arrived it arrived in XX/XX/XXXX and I did send in the difference immediately. 

I now discover that PUF has indicated a 30 day late on my mortgage to all 3 credit bureaus. This is causing me to be declined for another credit transaction. I spoke to the office of PUF 2 times and was told that the late payment will never be removed no matter who I speak to. In reality the principal and interest were paid on time the shortage was really only the portion for the escrow account and no disbursements were made or was the escrow account short. 

I am asking that PUF provide a letter that the mortgage has always been paid as agreed and the mortgage late as indicated for XX/XX/XXXX be removed
I am writing this complaint due to the issues I have on XXXX/XXXX/2017 while calling the company who services my mortgage. I tried setting up our account online only to be told my account did n't exist. I then called Selene Finance and the rep who is attached to us was n't available so I help for customer service. The gentleman was very rude in telling me I should be happy the company is even working with me with me being so far behind on my mortgage. I then told him that I have no idea why he was making those comments to me being that we had just finalized our modification on the XXXX/XXXX/17 and the payment was made on XXXX/XXXX/17 of {$890.00}. He then continues to be rude and tell me I could n't talk to anyone and he would send a message for someone to call me back. Well that never happened. I even called XXXX our loan specialist and left a message for her on XXXX/XXXX/17 with no response back and today is XXXX/XXXX/17. I also left a message today but have tried at least 10 times to get a customer service rep but it wo n't even send me to anyone else even just a regular customer service rep. I 'm not sure what is going on but I do know that every document that needed to be signed was signed and dated by the due date and the payment was made on time. I do know that I am tired of going through the same things with this company and the treatment is so uncalled for. We have done everything asked even when you did n't hold up on your end. Just like you sent us a 1 day envelope with a 2 day posting. I even told XXXX about that and was told to not worry about it as long as the documents were dated by the time they were suppose to be. I was also told she saw the payment and everything would be fine. Well now I 'm finding out otherwise and not XXXX person will call us back. This is not how you should treat your customers.
I have disputed my complaint with Equifax over 30 times and I have sent in numerous paperwork and so has XXXX XXXX and the other creditors and I ca n't get anything back from Equifax they keep sending me a confirmations numbers but yet it won ; t let me look at them online and I have been on the phone with them numerous times and have waited over 2 hours to fix this and the last two times they said their computers were down. XXXX XXXX and XXXX fixed these problems but I ca n't get Equifax to even respond or answer, this is hurting my credit bad because of all the inquires and wrong information, we had our vehicles broken into and they stole everything so we are under Identity fraud and I ca n't get them to help or even tell me anything.I need any help I can get please. Thank you. 

XXXX XXXX XXXXXXXXXXXX
I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.
On XX/XX/18 I XXXX XXXX sent demanded letter to Select Portfolio Services inc demand to see the mortgage note, therefore, request under the statue that you provide the note wet ink in its present condition for our viewing till you provide evidence that you are agent of the note owner that is party legally being the person entitled to enforce under MGL chapter 106 the statutory version of the uniform commercial code Select Portfolio told us if we want to see the note we have to buy airline ticket to XXXX XXXX XXXX Ut All we demand so that we may schedule for our expert to view the wet ink note please assist us in any way you can resolve these issues
A company by the name of National Principal Group contact myself and several of my family member leaving a threatening recorded voice message. I spoke to XXXX of their " representatives '' all of which claimed I owed a several hundred dollar balance on a pay day loan, which I had never taken out. Each time I contacted their offices to request emailed documentation of the alleged debt, I was assured that it would be sent. Finally, after XXXX attempts to recieve this email, they sent a generic password protected email. I called back to question how to open the attachments, and the office manager hung up on me. I called back XXXX more times, and was hung up on XXXX times. I believe this to be a fraudulent company.
My dad has a mortgage with Wells Fargo -- - he has been working with them to get a mortgage loan modification -- - on XX/XX/XXXX he had a XXXX XXXX and was sent to a XXXX hospital. On XX/XX/XXXX we were asked to fax documents to Wells Fargo to help with the loan modification -- - I faxed for him the application, the proof of income and the lease and the hardship letters. He has owned this house since XX/XX/XXXX. I asked if they needed medical documents and they said no. Today, he is in XXXX Hospital in the XXXX -- - I am trying to stop the auction for XX/XX/XXXX. I was being assisted by XXXX XXXX and XXXX XXXX and prior to that by XXXX XXXX. I am his daughter and am authorized to speak to you on the Wells Fargo Mortgage. His name is XXXX XXXX XXXX born XX/XX/XXXX. We are willing to work with them. The property is located at XXXX XXXX XXXX XXXX MA Thanks XXXX XXXX XXXX
Hello! My complaint is in regards to a repossession. I was never late on my payments and my car was repossessed due to a legal issue. I have requested several times that my credit report be updated to not reflect that my car was involuntarily repossessed. This makes it look like I do not pay my bills and that is not the case. I was NEVER late paying my auto loan. I am not late paying any of my bills with Capital One. Even since the repossession they have offered me credit cards and upped my balance even though they have lowered my credit score over 100 points. I believe this to be a tactic they use by lowering people 's credit score, but continue offering them credit products that the consumer could n't be approved for outside of their bank. I would like this repossession removed so that my credit score can be restored. Thank you!
Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
I contacted equifax regarding false information that has been reported to my credit report, i also reported the issue to the Cfpb, and it had been bought to my attention that it was reported regarindg my address and phone calls that were made stating they were me, i have ask for photo copies, and information. XXXX has the wrong information, your company stated they spoke to me and had my address, I live at XXXX XXXX XXXX, and not XXXX XXXX. i had not received. ive ask for information even regarding your investigation. I would like this to be removed off my credit.
Bank of America did receive written Notice via Certified Mail that the alleged mortgage debt was in DISPUTE in accordance with FDCPA guidelines. The Bank failed to validate the debt within 30 days as required by the FDCPA, therefore admits to not being a party of interest, and can not collect on the alleged debt. 

Despite receiving subsequent Notices, the Bank has continued to report an unvalidated debt to the credit bureaus in violation of the FCRA, and has not removed the lien as required. The Bank is also violating the Uniform Federal Lien Registration Act, which states that the Notice of Lien requires that the notice be certified and signed by the Secretary of the Treasury of the United States or his or her delegate. The Bank would need to provide the documents evidencing they have that have a bona-fide written signature showing authority for lien attachment. A signature stamp, with no first or middle name, or with one initial and a last name does not constitute a bona-fide signature or bona-fide presentment.
I recently set up a payment agreement with XXXX XXXX on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom GC Services that they now have my account after I just set up an agreement with XXXX XXXX to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called XXXX XXXX they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with XXXX XXXX two weeks ago and now it is closed and GC services has my account. I need to know what is going on and who I need to pay and why the account got closed.
Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times
I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called Equifax and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to Equifax of the matter and they said they were not reporting to Equifax and informed me that Equifax is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called Equifax on this information and they told me they would file a dispute. 
I received information on the completed dispute from Equifax on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. Equifax is using the 3rd party vendor XXXX who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to Equifax, however they will not contact Equifax since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.