WillisBack/dataset-financial-user-claim huggingface dataset:
DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. 

So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.
i have an equity line of credit with chase bank since XXXX when my payments went from XXXX to XXXX they have been double charging me not posting my payments and charging me late fees without letting me know I'm late. I'm never late if i don't have the money handy i pay when i get my XXXX  check which is the last wednesday of the month and i have a 15 day grace period according to chase my due date is the 1st i  spoke to someone in XXXX who told me to pay XXXX and id be caught up then in XXXX XXXX and XX/XX/XXXX i received bills for twice my payment amount in XX/XX/XXXX i received a letterstating i owed XXXX if ididnt pay i would be put into collection or have my home foreclosed on on XX/XX/XXXX i contacted chase and spoke to XXXX XXXX and she told me i owed XXXX not XXXX if i payed that my next statement would read XXXX but i would only have to pay my XXXX on XX/XX/XXXX i received my statement and it said i owed XXXX i contacted chase again and spoke to a mr XXXX who said i only had to pay XXXX and id be up to date so i made the payment by mail they still have not posted my check from XXXX i ent out on the XXXX for XXXX.hope you can help with this problem
NationStar Mortgage XXXX amount is XXXX and does not belong to me.
I got a mortgage loan with Chase Bank. Although Chase Bank continues to service my loan, my loan was sold to XXXX XXXX. The customer should be notified when a loan is sold. A loan ownership transfer notice should be sent to the customer. I never received any notification from Chase Bank or XXXX XXXX. The Attorney Generals Office stated that I should have received notification. Chase Banks response was they are not required to provide notification for a change or an assignment of a loan investor. There is a law about this and Chase Bank and XXXX XXXX either do not follow that law or are unaware of it.
I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.
My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.
I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

Please help, XXXX XXXX
Capital One direct banking is causing me to be late on my bills, I mailed XXXX money orders totaling {$340.00} on XXXX/XXXX/16 and XXXX/XXXX/16 which I faxed over as proof to a supervisor. The website does not specify that they do not accept money orders, I did not receive back until two weeks later with a letter dated XXXX/XXXX/16 stating they do not accept money orders now I am late on several bills because I did not have the funds to replace the money orders, the manager claimed they do not accept money orders because they could be fraudulent but I actually signed my money orders and I had to put my contact information on it so this is not true. Then another manager advised me based on the type of account that I had, they ca n't accept money orders. It seems to me that no one knows what they are talking about and I also just found by supervisor on Wednesday that my account could be shut down due to government regulations because I am using this as a checking account instead of a savings account which I advised them my current checking account is overdrawn by {$450.00} due to fraud and that account is frozen. No one ever told me that until Wednesday, I feel that Capital One withheld information. I have several late fees that I have to pay plus now I am dealing with several credit reporting. I have been a customer of Capital one for 10 years, I also have a credit card with them. I also had to pay a {$28.00} wire fee and I had to take off work to do it because my bank will only do transfers from XXXX Monday through Friday, and a certified check would have been cheaper but Capital One advised me it can take up 3 days for the money to post. Most banks do not do bank wires for balances less than {$10000.00} but my bank granted me an exception. I was also advised on Wednesday that I could transfer to a XXXX checking account but I was never given that option before. This is has cost me financially I now have to try to play catch up because several of my payments were returned and now some creditors are making me do money orders with them. This is bad customer service. I also have a Capital One credit card that has put XXXX credit marks on my credit and it is past due, I need both of them removed because this was not my fault. I can fax Capital One a copy of the negative bank balance plus the wire fees, I have not been credited for all the bank return fees like I was advised that I would be.
Current Information on TRANSUNION CREDIT report is Incorrect These account are not mind and would these credit report TRANSUNION to provide my with how account are mind. I need proof in writing that TRANSUNION has the right to REPORT this INCORRECT Information. 
XXXX XXXX Other XX/XX/XXXX Closed {$0.00} Account Details Last Reported XXXX Creditor Name XXXX Account Type Telecommunications / Cellular Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Latest Status : Collection/Charge-Off no payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/2017 Creditor Name XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$410.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX IA XXXX XXXX _____________________________________________ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency AD XXXX Original Creditor 12 XXXX 69 Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility XXXX XXXX {$0.00} High Balance {$300.00}
I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014
contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do n't know who the DEBT originated from. 

I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! 

I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX XXXX! 

I ca n't pay the $ ( XXXX ) since I am negative!
I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.
I sent multiple letters to EXPERIAN disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
I am a Rush Card customer and my direct deposit from my payroll check is missing. It was never deposited into my account. Friday XXXX XXXX 2015 the Rush Card Company claimed that all direct deposits would post but it did n't. Its been XXXX weeks since the company claimed they had a update glitch but funds are still missing and the problem still is n't fixed. I really am hurting by not receiving my check.
CIT lost or misplaced a fax on XXXX/XXXX/2016 from XXXX Bank regarding trustee to trustee transfers for my wife and I. XXXX Bank has resent the forms as of XXXX/XXXX/2016. My wifes account matured today XXXX/XXXX/2016 and CIT will not release the funds saying they need 72 hours to process the paper work. I do n't understand how XXXX can ( lose ) a fax with their confirmation number. XXXX bank also sent copies of CITs fax confirmation from both dates by email. CIT has also confirmed that they have received an email with this info. I have been on the phone many times with CIT reps, XXXX, aanthony, XXXX XXXX XXXX, but I am still getting the run around.
Navient unresponsive to written requests.. overcharges, payments not recorded correctly.. loan consolidations twice then told they were not.
This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.
I received a copy of my credit report and noticed that Equifax was reporting  XXXX  tax liens. I then sent dispute letters to Equifax to get verification of these tax liens that are showing on my credit report. I received letters back from Equifax stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA,  sec 611 ( a ) ( 6 ) and ( 7 ) I have the  right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
RushCard ... Need I say more? No, not really, but I will. For 6 weeks now I have been told the same thing, that a system update is causing problems. No one has offered a credit per my inconvenience. And now I 'm being informed that the escalation department handling these inconveniences may or may not even exist. Rushcard has an escalation department but they will not be responding or calling customers about an expected resolution date. That was per a customer service reps own scripts. On the website, they still boast that with Rushcard, you get your money up to two days earlier. It 's been six weeks since the early direct deposit was last available to me, personally, so I feel it is false advertisement for Rushcard to still boast they can give new customers an early direct deposit when existing customers are not getting that paid for feature. I was even told that instead of offering overtime for the outsourced employees dealing with this fiasco, Rushcard is hiring new employees to help deal with the high call volume. So it was easier to hire new people to take calls than it was to hire professionals to fix or update said system issues. As I type this, I speak and proofread XXXX ( name changed to protect the identity of the now employed ). XXXX says that in the XXXX where she is located they do n't even offer Rushcards. So the employees hired to handle the situation dont even understand why it 's frustrating. I have had to change my online password several times since I keep getting locked out due to said system update. All in all after a year with RushCard, I do feel it 's been a bit of rushcard roulette.
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX
On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''
Promised to pay full amount on XX/XX/XXXX. Was accepted by Synchrony bank. Barely over 1 month behind on Care Credit. 

No less than 4-6 calls PER DAY during my work day. Violation of debt collection practices.
I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number.