WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX Complaint : Mortgage Servicer I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the XXXX. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with the filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

XXXX
My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.
Capital One Bank sent me XXXX credit cards under my account, XXXX for me and XXXX for my spouse. The card for my wife was never activated and never used. My wife has her own card with Capital One. Capital One creates a XXXX account for her and sends her a credit card directly without notice to me. Thus, she has XXXX credit cards from Capital One : XXXX of her own and XXXX to me. She incurs XXXX charges totaling {$400.00} on the XXXX card I know nothing about. XXXX, How can Capital One hold me responsible for her charges on a card I never authorized or had any knowledge of?
The Financial Privacy Act of 1978 list various protections that afford consumers protections from having their financial data exploited without their knowledge and/or consent. From my consumer perspective and not that of a professional interpret the language in 12 US Code 3403 subsection ( a ) that a financial institution, or " Chase Bank, '' may not release records without the consumers consent or acknowledgement ( Ref XXXX ). According to credible journalism sources and publications like " XXXX XXXX '' the use of XXXX XXXX XXXX be an opportunity ( XXXX ) of exploit for unknown person ( s ) including an opportunity for Government intrusion which again causes some pause. Although emerging technologies are important to encourage commerce, providing levels of protection to the consumer as well as notification is also vital as these new emerging technologies encounter the marketplace. I believe in this situation Chase has an obligation to notify it 's members of any breach of privacy using this technology, state the intended use of this technology to it 's consumers, place public and transparent notices of how it intends to store this data, and if it has the intention of using this new technology as a means to share information without third parties. It 's my belief that consumers should have the right to opt out from new data collection practices if they do not wish to be beta testers for your emerging technologies. 

I am formally requesting that Chase provide the scope of intended use of the RFID chip in their cards, provide all documents stating if they provided public notice to consumers, as well as state their intent on any new notification practices to consumers as a result of these emerging technologies in the event of an exploit, as well if the bank is in the process, has, or has no attempt to deploy consumer protection technologies to block the RFID technology from being exploited when not in use like RFID shield credit card envelopes ( XXXX ). Currently, the credit card envelope distributed by the bank do not contain the shielding material that would allow an added level of protection from exploit. 

Thank you for taking my concern and I look forward to the response. 

Warm regards, XXXX XXXX
I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.
I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails.
Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.
We called twice first asking them to reverse the money and they did reversed it for {$140.00} and then it came charging me the same amount same day. I told them I did not authorize that charge. Never did I ever would do that to authorize twice.
I requested a loan for {$1000.00} from mobiloans My payments are all similar. Auto draft of {$150.00} and {$45.00} applied to loan balance {$100.00} applied to advance/fees. So the two payments equivalent to {$300.00} that come out each each month only {$90.00} of that goes to my account balance. I have a few times had to request funds because I did n't realize it would be twice a month but was sure I had gotten myself in a mess and would just have to keep trying to get through it until I got it paid off. I went through all of my statements and I have paid {$4700.00} to them since XXXX2015. My total fees charged total in {$2400.00} and my current balance is {$1000.00} with a payment due of {$260.00} and {$170.00} of that is fees. I feel this debt has been more than enough taken care of. I was advised by several people to close my bank account and try to find relief of this debt. I do n't feel I owe this company anymore money they have received back what they loaned to me and then some.
Complaint : XXXX Credit Union and Bank of AmericaHave been trying to modify XXXX and XXXX mortage loans with XXXX financial banks. Have already done modification with XXXX XXXX. Reduced loan which was small down to 4 %. Process was done within 30 days. 
XXXX XXXX Credit Union has been at best rude and really not interested in modification. Repeated had to call person who was in charge. Counterdicted themselves regularly and was told to be XXXX to four months late and will allow a short sale. Repeatly lost documents and made threats that they would not allow modifications if Visa card is not paid. Not interested in reducing interest rate and would rather have home. Verey unprofessional in collection activities on Visa card. 
Bank America mailed a letter to me about the {$95000.00} line of credit that is 100 % underwater. This was a mastercard line of credit with Countrywide. For almost 10 years have paid only interest only. Readjusting with principal in XXXX, XXXX. The readjustment makes no sense that payment should be {$780.00} not the {$980.00} on letter dated XXXX XXXX. After XXXX months of playing games with documents they made decision I could not afford any loan. The Home loan team offer a short sale if you can not afford the loan and gave no options except leaving the home. Kept calling and asking questions about my permanent XXXX and when I was going back to work. I repeatly stated it was not going away and I will never go back to work. I will be XXXX this year and have a XXXX that will just get worse never better. At best she was rude and and made threats to me you better pay this loan and your other creditors. In XXXX I was forced to retire on XXXX and had numerous charge offs. Had recovered on the credit bureuas to almost XXXX while paying all my creditors for 48 months. Started this process in XXXX all my scores dropped into the XXXX 's. There must be models in the credit bureuas that saw XXXX XXXX pay off loan and all the scores dropped over XXXX piints in days. Bank America stated in there XXXX denial I could not afford any loan. Based totally on the credit scores. Gave complete budget forms same as XXXX XXXX yet XXXX and Bank America considers us too high of a credit risk. XXXX XXXX they are now calling my wife and threaten her with a short sale when both the XXXX and XXXX are negative and the XXXX wellover {$100000.00} negative. XXXX and Bank America are both calling my wifes phone at work, withourt permission and calling our cell phone every XXXX homes when there loans are not late. Threats are short sale or we will forclose. Yet neither are 30 days past due
Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.
XX/XX/XXXX Ocwen Loan Servicing LLC allegedly purchased the mortgage from the GMAC bankruptcy. The mortgage is recorded in the name of a non-existent XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) The Note or underlying debt necessary to enforce the mortgage is believed to be lost or destroyed. Ocwen has refused to reveal the identity of the person ( s ) they are servicing the loan on behalf or where payments on the loan, a payoff or a settlement of claims would be paid. Ocwen filed ( a now dismissed ) foreclosure Complaint in the name of the fake XXXX knowing that it did not exist. It is believed that the loan was paid off as part of the T.A.R.P. and was part of one of the XXXX XXXX XXXX. Ocwen has racked up thousands of fake forced placed insurance fees and escrow claims on behalf of a non-existent client. The property in question is a family farm and is part of a bankruptcy estate. Regardless, Ocwen continued to send escrow and Forced Placed Insurance bills for collection. Owen avoided having to reveal the identity of it 's " client '' during the bankruptcy by not filing a proof of claim, relying on it void mortgage lien to the non-existent XXXX.
There was an account listed as a collection on my credit report. I contacted the original creditor, XXXX XXXX XXXX XXXX, as I could not reach the collections agency. The collections agency called me several times a day but each time I tried to answer, the call would disconnect. Also when I tried calling them, the number would disconnect. They removed the account from my credit report at their own accord around XX/XX/2018. Now, they have replaced it on my credit like it is a brand new account, which is a violation of my rights. They should not be allowed to re-enter the account as a new account making it appear that this account just opened, which dropped my credit score over 90 points. The company is Sentry Recovery at XXXX. This should be removed from my credit report. They also have not sent a letter to me asking for any money or payments on this account since they removed the account from my credit report.
I disputed this as soon as I was notified and sent in documents and it is still in dipuste 3 years later.
The company said on the phone I would become platinum instantly. I expect to become platinum instantly if that is what I was told. They mis advertised their product/credit card. Yes these are 2 different companies but they are promising platinum instantly in order to phish you into getting their credit card.
On XXXX XXXX, XXXX Equifax has removed 9 incorrect & fraudulent accounts then later added them all back onto my credit report on XXXX XXXX, XXXX without giving the legally required written notice 5 days prior to them re-adding them. I have contacted Equifax in good faith to ask them to delete the incorrect information that they had illegally re-added. The information & incorrect accounts has caused a hardship and that my rights were violated by Equifax.
I was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

Thank you.
I have been receiving numerous calls from a blocked number the past few days. This evening the number finally left me a message. The caller stated she was calling from Bank of America on an important servicing matter. Her name is XXXX XXXX. In her message she said she wanted to discuss options that may benefit me however my input is needed on this matter and to call her back to discuss the options. I figured this was regarding my Bank of America checking account so I called the number she left me back. I spoke to a different representative and they told me there were no options to discuss and that this was an attempt to collect a debt. Not once was it mentioned in the message that this was an attempt to collect a debt or that it was related to my credit card. It was misleading. I already have an agreement with Bank of Americas collections department and have been paying the agreed to amount for the past 5 months.
On XXXX/XXXX/2015 I received notification from the XXXX credit reporting agencies that my credit has been pulled from cash central. I have never done business with this company. I did not apply nor authorize a credit check from cash central. I called the company and let them know. I asked for the inquiry to immediately be removed from my report. They refused. They stated I must fill out a packet and send back in further delaying the profess of removing the mark from my credit report. In researching this, I have found numerous other complaints on the XXXX that state exactly what happened to me. Seems this company does this often. I want this inquiry removed immediately from my credit report and steps put in place by this so called company that ensures it does n't happen to me or anyone else again