WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.
In XX/XX/XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XX/XX/XXXX i  attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a XXXX report. I contacted XXXX and discovered it was from XXXX XXXX. I contacted XXXX XXXX   branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with XXXX. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XX/XX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on XXXX XXXX. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
My monthly Morgage payment increased by approximately $500 due to escrow shortage that XXXX XXXX XXXX require that I pay over 12 month period (in addition to my mortgage).  I believe the issue is the result of Homepoint erroneously sending me a refund end of XX/XX/XXXX that should have been applied to escrow in XX/XX/XXXX which caused the shortage.  After speaking to various representatives and at least 3 supervisorsecond the repayment was adjusted over 24 months. The lower amount is better however it still causes an unnecessary  strain on my finances. I inquired about the refund several tines before cashing and spending the money returned to me.
My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.
The credit collection company are submitting me information for the wrong amounts and continue to harass me about dept that is not mine
TransUnion..this agency had many incorrect spellings of my name, XXXX extra social security number on my file, many addresses I never lived, and many derrogatories that did not belong to me. 
I placed a fraud alert on my file and began disputes. To my knowledge the above mentioned has been corrected. 
My complaint today is in the dispute processes..transunion deleted XXXX loans XXXX loans of my high credits, my truck pd off in XX/XX/2014.they also deleted all but XXXX of my positive XXXX loan reportings. They wiped out my positive reportings and high credit seemingly to keep my score below XXXX. 
The bank that originally reported my loans claim they no longer report to transunion. Because of these deletions I cant qualify for any credit, keeping my score very low. 
Im sending pictures of the accounts they deleted unwarranted.
I am extremely upset of the way Select Portfolio Servicing has handle my loan for the pass years. My hardship started since XXXX/XXXX/2015 due to loss of income when my wife and I have lost our jobs, I presented a complete modification packed to SPS to be review for a modification and all the required documents. However ; I have not been help instead SPS keeps prolonging my case making me fall more behind. I was recently approve only for a repayment plan for the amount of {$3900.00}. this is not affordable because my mortgage payment was for the amount of {$1900.00} before I started to fall behind, if I was not able to make my regular mortgage payments before I dont understand why SPS will give me a high repayment plan. I have Appeal numerous times the denied reasons however I am always forced to reapply. I am tired of the excuses they keep giving me in order to prolong my case. My intentions are to keep my house with an affordable mortgage payments. Based on my investors guidelines I should be able to be provided an affordable mortgage payment since my home is severely under water. I have open a complain with my attorney General XXXX XXXX for all the fraudulent and deceptive practices SPS is using in order to deny an affordable trial payment.
I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!
Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.
I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us.
This is second time I received the same Wells Fargo Visa card which I never asked for. I refused to activate card when I called their number. Representative told me to call customer service and I did. They said the card has been active for four years regardless as its activated. They then said to destroy the card. I want to make sure I was never charged anything. They did say I had a XXXX balance. I never asked for this card. They did say this was some type of rewards card.
I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.     XXXX / XXXX  D ate of reque st   XX/XX/XXXX  XXXX   XXXX  Date of request   XX/XX/XXXX      XXXX   XXXX   XXXX   Date of reque st    XX/XX/XXXX      XXXX   XXXX   XXXX    Date of request   XX/XX/XXXX      XXXX   XXXX  Date of request   XX/XX/XXXX     XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX
threatened me with a lawsuit if I did not pay a fraudulent debt they claim I owe. I do not owe any debt.
This is XXXX account, XXXX medical bill owed and they reported each bill individually on my credit. It was maliciously reported and likely illegal.
Checksmart Financial, LLC calls me multiple times a week for a debt that is not in my name even after being told repeatedly the person they 're looking for does not reside at my number.
Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.
I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. '' Please resolve this manner as soon as possible. Thank you
Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.
From XX/XX/XXXX we were in court due to a required balloon payment that was due that we could not pay on our HELOC. In XX/XX/XXXX, the case was dismissed and we continued to try to sell the property. In XX/XX/XXXX, we received a letter from a debt collector indicating they were working for the bank. The amount the debt collector state was due conflicted with the statements that were still being sent from the bank. I called and made an offer to settle the debt and they refused. In XX/XX/XXXX, my wife and I both had money taken from our bank accounts and 10 days later we received a letter indicating it was applied to the loan and that the bank was exercising their right to setoff. They have not indicated that the matter is closed but state that there is still an outstanding balance.
It has came to my attention that someone other than myself called Valley Credit Services and was given information as to my debts and current garnishment. The caller was told the call was recorded. 
Therefor, I am requesting, in writing, that a copy of the transcript of the call that took place on XXXX/XXXX/2016 at aprox XXXX between an acquaintance of mine and XXXX the debt collector regarding my account be emailed to me.
Franklin American mortgage is reporting my account as late 120 days or foreclosed, depending on which credit report you look at. We actually had a buyer for our home, but Franklin American would never give us the payoff amount or call us back. Their incompetence caused u s to lose our buyer. The foreclosure was improper and is now being misreported.
In 2013 I had to file for Chapter XXXX Bankruptcy. Originally my loan was managed by XXXX XXXX, but they have since sold my student loan to Navient. I continue to get harassed 7 days a week even though the representatives know that I am under bankruptcy protection. They continue to call me every day about my student loan. I refuse to answer the calls as it is harassing for them to continue to call me knowing that I am under bankruptcy protection when I speak to a representative. I ca n't access my account online or do anything as the representative that I spoke to confirmed that my account is locked from internet access as I am showing my account under bankruptcy. Now, they 've submitted a very low report onto my credit despite my previous conversations. Please help.
Upon checking my credit report I noticed this unauthorized fraudulent account from XXXX XXXX. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
I sent all three credit bureaus a certified letter to investigate this Navy federal cu hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
On XX/XX/2018, after my XXXX check was automatic deposited into my Wells Fargo checking account ( only income due to total and permanent XXXX for over 8 years ) it was immediately sent to a unknown person that I have never done any business or received any complaint regarding a debt. Wells Fargo is aware that this is XXXX benefit and allowed a judgment that I was not aware of take over my monies which now I am unable to pay my bills, go to the doctor, buy food, insurance payments, etc. I was not notified of any judgment from the person or Wells Fargo. I have filed several complaints but Wells Fargo is ignoring the laws on XXXX benefits and my complaints. 
Still, today I can not get any information as to where is my money. The whole check is gone. Also, I continue to miss money or had several complaints over the last year about someone going into my account taking my money.
IN REGARDS TO ; NELNET LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU XXXX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH NELNET LOAN SERVICES AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
I HAVE ALREADY TOLD THESE PEOPLE THAT THE DEBT IS NOT MINE AND THEY ARE CONSISTENTLY CALLING ME FROM DIFFERENT NUMBERS.
They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me
My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. 
I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and  the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.