WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke to my relationship manager on Late XXXX to discuss a mortgage resolution that has yet been fixed. The relationship manager said that she will look into me paying a {$1400.00} down payment and then have a {$1000.00} mortgage payment per month. The relationship manager said she needed to get approval before it can be approved. I never heard back from my relationship manager for the approval nor did I get any letter saying I was approved. After about 3 weeks, I went online to my account at www.ocwen.com to see if there is any update and I saw that all I had to pay was a payment of {$1000.00} starting XXXX XXXX, 2015. I made my payment on XXXX XXXX, 2015 and received a confirmation letter XXXX from Ocwen. I checked my Ocwen account daily to see if my payment posted and on XXXX XXXX, 2015, the {$1000.00} was deducted out of my wife 's XXXX account on XXXX XXXX, 2015. Ocwen stated on the phone that they rejected the payment because I did not pay the {$1400.00} down payment. I explained that they never sent me a letter with approval and when I saw that I had to pay the {$1000.00} I paid it. 
Ocwen has been playing around for a XXXX time now. Most recently I submitted a letter to the CFPB in regard to {$10000.00} I paid Ocwen with no resolution. I am in dire need of help from the government as Ocwen still has messed up my situation. They seem lost when it comes to phone calls and when you do the right thing they just want more money.
I have an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.
I am a victim of identity theft and Equifax is giving me a very hard time removing a fraudulent XXXX  XXXX XXXX ( XXXX  ) account. I have included ALL of the required documentation pursuant to the FCRA 605B Block of information resulting from identity theft, which states any account a consumer identifies as fraud should be blocked by the consumer reporting agency within 4 days of receiving notice. A dispute was opened for this XXXX account XX/XX/2018. My notice included everything required by FCRA law to block the account, but yet Equifax did not. Nor did they notify me letting me know the account would not be blocked ; which by law was supposed to occur within 5 days of receiving my dispute. 

Not to mention, the XXXX account is now reporting as a charge-off. I have attempted to remove this erroneous account many times, Equifax has made this experience very stressful by " verifying '' each of my attempts through their XXXX system by matching a name, last 4 of ss #, DOB and address. Of course these things will match, it's IDENTITY theft! 

I take paying my bills on time very serious, having a charge off on my report that does not belong to me is very humiliating. I am unable to obtain any credit because of this fraudulent XXXX XXXX XXXX account. Equifax negligence in this matter has caused me undue emotional and financial stress. Submitting my dispute through the CFPB will be my last and final request. If this XXXX XXXX XXXX account is not deleted immediately, I will be left with no choice but to file a civil lawsuit in my county.  I will name Equifax, along with any and everyone who touched my file, as a defendant for violating my consumer rights and putting me through such stress. I will subpoena every phone call, correspondence and record in Equifax 's system ( s ) and file cabinets related to me and will sue for EVERY error found. I will also sue for punitive damages. Please know that I am a litigious consumer and my spouse is an active XXXX XXXX XXXX in XXXX. I am no longer playing this game with Equifax! You will no longer violate me and cause my life a living XXXX from your negligence and willful noncompliance. 

Please also note that you ( Equifax ) are the only bureau reporting this fraudulent account on my credit report. XXXX and XXXX  deleted the account months ago, after my first attempt. Also please note that you all deleted the XXXX inquiry not too long ago as well. That alone verifies there was an error. How is the account mine but the inquiry isn't?! 

Equifax is also reporting the wrong phone number for me in my personal statement section where is states creditor should contact this number before extending credit. The number reporting does not belong to me and I do not know who it belongs to.
I Applied for a loan and gave the Bank Of Arkansas everything they requested and my pay stubs that showed how many hours I Usually work per pay period XXXX to XXXX bi monthly and was in their office and verbally told them what I make monthly {$1000.00} is the Max I Can make without it affecting my XXXX XXXX so I Could purchase A House I Received A Pre Qualification Letter and A Good Faith estimate shortly after I Gave The Bank everything they wanted everything was fine then the person handling my loan asked me how old I was I Told him it was on my Drivers License he had a Copy of and I Told him Almost XXXX he replied wow you do n't look XXXX years old I Thought you were much younger! This was just at the beginning of this week XXXX/XXXX/2015 then the other day he told me that the XXXX. wanted A fee called A " XXXX months reserves fee '' that the XXXX. wanted not the Bank so I Looked into this and found out that no one else knows what this is and the XXXX. has no such fee! He seemed to get irate.after I asked what the closing costs were but this was on Tuesday XXXX/XXXX/2015 and the closing was suppose to be done on Friday XXXX/XXXX/2015 So I Told him I Needed to know as closing was Friday! He seemed a little upset as I Looked at the contracts so on and could not find any info about the closing costs! IE : From XXXX XXXX XXXX XXXX, If you review your estimated cost summary it shows that it will take around APPROXIMATELY {$1500.00} CASH REQUIRED TO CLOSE. You also need XXXX months reserves which is about {$1700.00}. 

Your debt to income ratio should be about 40 %. Minimum Cash Payments a Month / Monthly Income. 

These are estimates. 

Thanks, XXXX
I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.
Dear Sir or Madam, I have the following case with American Express : My account was cancelled upon my own request back at the end for XXXX. After the account closing, I received a refund of an airline ticket of {$75000.00} however, the credit card company has since then failed four times to  refund me the amount. 

After one check expired due to late forwarding to my address in XXXX I have spent several hours on the phone with American Express to repeatedly issue a refund check ( or any other payment method ). 

American Express has since XXXX XXXX not managed to complete my request. 
I have called during the following dates ( early dates not precise to the day as I did not think it will take that long ). 

XXXX - requested reissuing XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address The simple excuse is always that is is an issue of the USPS and abroad postal service, however that will not explain a loss rate of 100 % in 4 cases. 

It is easy for an finance company to impact your credit score but how are credit card company 's behaviors being rated?? 

I am still waiting for the refund that has been always acknowledged by the workers at the hotline at American Express. 

Nothing is moving and I doubt that Amex has the intention to actually do a refund. 

Best Regards,
Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's XXXX.
13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. 

When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. 

So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. 

I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. 

Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. 

I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded.
A Loan Modification Package was submitted to XXXX on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). XXXX provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to XXXX new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. XXXX denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) XXXX did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by XXXX prior to denying the loan modification on XXXX/XXXX/2016. In fact XXXX sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already providedXXXX was diverting there responsibilities as required by XXXX XXXX to forward the loan modification request to the new servicer. XXXX never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer Bank of America provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/XXXX,2016 ( Hereto Attached ). XXXX continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). XXXX denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by XXXX and did not allow the borrower the right to appeal such decision. XXXX did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial. Bank of America has prior knowledge of the loan modification request as they have sent correspondence to our office with knowledge of our representation.
In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.
This is to inform and note that I received a very unpleasant phone call from Servisolutions representative XXXX XXXX XXXX on XXXX XXXX, 2015. XXXX contacted me in a very threatening aggressive and demanding tone requesting what he stated were missed mortgage payments while chewing in my ear. I informed him that I had sent XXXX XXXX 2015 payments together. He asked several times why are my payments late? I explained that I had already contacted Servisolutions regarding my mortgage transfer and why was it transferred. I explained that I was advised to wait until I received confirmation from SS stating they are officially my new mortgage carrier, and then submit payment to avoid sending multiple payments to different agencies. XXXX made no gesture to offer any concerns as to ask me was everything OK with me or do you have our correct information to send your payments to. He informed me that my credit report was being affected right now. I replied, I thought I had a grace period while account was in transition. He continued to make his statements and not have concern about my statements. He also stated that our job is to handle these new accounts and get these payments on time. 

I asked for his supervisor and he stated asking me why I wanted to speak with his supervisor. I informed him that I wanted to speak with someone more positive because I was receiving a negative tone with him while he was even chewing gum or eating something because he was chewing in my ear. XXXX XXXX came on the phone stating so XXXX XXXX you sent XXXX payments in, and when did you send them in the mail? I asked her could she please identify herself because I asked to speak to a supervisor. Only at that time did she identify who she was. I explained to her the situation I experienced with XXXX, which I found his name out later. XXXX made no mention of apologizing for the experience I had until I spoke to her about an apology. I addressed her by stating I see why customer services representative XXXX XXXX XXXX act the way he did towards me because that is the way the supervisors act. XXXX transferred me to XXXX 's phone voice mail, I got no return call until I called back to mention to another customer service representative ( XXXX ) who was very polite. She shared that she was new to the company and I stated that 's why you are so polite. I shared my concern with her and then XXXX called me back. He had the same attitude as the other representatives. He started exclaiming to me how many letters servisolutions had sent out to my address. I really would like to know - could you sell the loan to another agency or could I just apply to another agency to assume the account. These experiences I experienced today were very very disturbing to me knowing I have to work with this company for 30 years. What if I really needed their support and I was in the hospital or something? They would not be helpful. 

I checked the reviews on Servisolutions ; they are not pleasant towards customers. Please inform me on how to have my account changed to another service provider. Even to this day, I have not had any contact from the provider stating any apologies for the encounter.
I was refused a loan I qualified for. I applied for a loan at California Check Cashing Store located at XXXX XXXX XXXX, XXXX XXXX XXXX on Saturday XXXX XXXX, 2017.I submitted all required documents and filled out a for.I was told in order to qualify I must make at least {$2000.00} a month.The clerk who assisted me, XXXX, was begrudgingly processing the loan and said I was approved for {$2500.00} ( the max loan amount is {$5000.00} which I was trying for ). She then said she had to call 4 of my references. Two of them did not respond, so I provided two more she was able to contact. Then she told me she had to contact her supervisor before approving my loan. I waited for some time. Next she asked for a copy of my old id ( I had changed my name years ago ) which I provided. Now XXXX insisted her supervisor was going to call me and there was nothing more she could do for me. I never received a call from XXXX or her supervisor. I called back and XXXX told me they decided to deny my loan but could not provide a reason and to come back to the store to retrieve my application and copies of my documents. I returned and was provided a letter stating I was denied a loan due to the checking account I used could not be verified or did not have a sufficient balance at the time the loan was requested. XXXX never stated I had to have a certain amount of funds in my account prior to applying for the loan. Also the bank requirements was that I had to provide two most recent bank statements and a voided check ( which I did ). My current pay stub shows direct deposit into this account. I recorded this conversation with XXXX who stated I was denied for this reason by her supervisor even though I provided all documents and qualified to " apply '' for {$2500.00}. I asked for copies of my documents including the voided check and was told by XXXX she already shredded the papers. I feel I was discriminated against for getting a loan. I provided all required documents and references. My credit score is fair ( I have no bankruptcies ). I make decent income. I only needed this loan due to a temporary setback but I pay all my bills on time. I have applied for loans in the past and was never treated in such a manner. I am reaching out for assistance because I really needed this loan ad feel I was denied on the basis of my race or sexual orientation. Thank you for your time.
Complaint Description : I need to have this deleted from my credit report because it is unverifiable & inaccurate. This company has this amount on my credit report I have sent a letter requesting it to be investigated by the prior debtor. I have contacted the new owners of the business which have stated they have a XXXX balance for me and no record found. They also provided me with the previous owners name to contact them. The company who stated that I owe them which is XXXX XXXX in PA stated they left records with new owner and have no record of NO balance owed. I've also made a complaint with the FTC, Florida AG, and Consumer Financial Protection Bureau as well because this info is in accurate I am not liable for the balance of XXXX for XXXX XXXX XXXX XXXX. I can not remember the date I submitted my letter to the collection agency but XXXX XXXX XXXX is whom I spoke with at XXXX XXXX
Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time!
" XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX XXXX XXXX
I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective XXXX no response for XXXX days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with XXXX XXXX Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. Please help me resolve this issue.
I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.