WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX and XX/XX/XXXX I was refinancing my house. I had a loan through Penny Mac. My new mortgage company XXXX XXXX XXXX and title insurance Company XXXX XXXX XXXX reached out to Penny Mac to get the pay off amount for the loan. A few days after this number was discussed, Penny Mac sent a check to FEMA on my behalf. This changed pay off numbers. The refinance happened and around XXXX XXXX, Penny Mac reached out to XXXX XXXX about the discrepancy. On XX/XX/XXXX, I reached out to XXXX XXXX because I had received a notice from Penny Mac that my mortgage was late. I have since received a check from FEMA that my account was paid in error. I am trying to resolve this issue, but have been given XXXX different amounts from Penny Mac as to what I owe. I am completely confused as to how a company can have so many different numbers as a balance on my account. I am willing to pay the amount that they paid extra to my escrow to FEMA but I do not feel liable for the interested and added fees that are added on to this account. I keep being told that someone will return my call but each time it is at least 2 days not the 1 promised. 
I am a XXXX military member and I have a title insurance company helping me out. I can not imagine the stress this would put on someone else in my situation. I have XXXX XXXX and the stress of this is causing me physical pain. I would love this issues addressed quickly and with no further confusion. I would also love for someone to look into the constantly changing numbers on my bill. It was {$1000.00}, {$1300.00} ( I scratched this one out in my notes so it might be off ), and {$1700.00} all in a 20 minute phone cal on XX/XX/XXXX. The first letter I have says {$1600.00} and the second one {$820.00}. The phone call on XX/XX/XXXX said {$1500.00} and the final call today stated {$1500.00}. This last amount was also included in an email and an hour later they decided they could be gracious and knock {$100.00} off since I was concerned. 
I know you are n't supposed to mention feelings in a business letter, but I feel like this is one big joke. Penny Mac paid FEMA despite not having to. Penny Mac waited over a week to address the issue with XXXX XXXX who sent the money. Penny Mac waited 2 weeks to reach out to me. How is this my almost {$2000.00} mistake? Penny Mac is a big corporation and it would say much more about their character if they could XXXX lose on a mistake they made. It makes me curious how many thousands of dollars in their income is due to problems they caused but would not own up to. I work hard for my money both my military pension and what I get from working in XXXX and I do n't have {$1700.00} to hand over due to a clerical error on the part of a huge corporation!
the collection agency calls me and just are nasty. they using profanity and threaten me stating I better pay my bill. I asked for a supervisor and instead they hang up on me. I know that for the time they are saying I owe I had health insurance. so I do n't know why I owe them money.
Due to financial difficulties, my father and I has defaulted on our mortgage. We reached out to Ocwen Loan Servicing to discuss options and was placed on a repayment plan in XXXX of XXXX whereas I was required to pay a large initial down payment toward the repayment plan in the amount of {$10000.00} with payments to begin on XX/XX/XXXX. I called into Ocwen to authorize my payment by phone on XX/XX/XXXX which was to be dated XX/XX/XXXX. The representative that I spoke with dated the check for XX/XX/XXXX which caused the check to be returned insufficient funds. I immediately reached out to Ocwen to advise of this issue however ; there did not want to take responsibility nor resubmit the check to my banking institution. As a result, the repayment plan that was offered broke. Ocwen loan servicing required that I start the process over again and submitted all updated financial information to submit my request for workout assistance which I did. In the submission to Ocwen, I requested for the plan to be restored as a result of their error. Several months later, Ocwen offered me another repayment plan however ; increasing my payments to an amount we are unable to afford. They advised me they would be mailing me the repayment plan that will require our signature which I never received. The first payment was due on XX/XX/XXXX. To date, we still have not received the repayment agreement. Furthermore, given the age of my father and medical condition, I also requested if we were able to be considered for a Loan Modification however ; was advised that we received several modifications in the past which was not true. We only received 1 modification which was offered in XXXX. We attempted to explain this situation to Ocwen however ; they would not accept our response.
I was going thru a divorce, in which this cc was growing in debt, due to my wife at the time. In which she claims ashe is n't and wo n't be responsible for any charges under my name. Most of the debt concurred was made thru my Acct but not me. Even while we were separated my credit cards were still being used due to having access to my cards. In some cases we had XXXX cards. This company had said to me over the phone. That they will no longer call me, and not harass me due to my divorce and all the money that was taken from me. Also the company had wished me the best in luck with my divorce. I just had no money at all to pay for gas and simple meals at that time. Resulting in 9 years of living almost homeless. The credit card company sided with me and dropped this matter. I finally got some room to live again and now all of a sudden the account has been reopened after 2011. I had financed a truck last year my only big purchase in which my mother pays off monthly. While I continue to pay 25 % of my pay check to my ex wife. Until my children reach XXXX years old. Approximately XXXX more years from now. So why come after a person who can barely eat. I needed a truck for work in once again I do n't pay for. My other vehicle has over XXXX miles. Please seize to try to collect from me. I 'm still trying just to get up and work for my children to have clothes, and everything else kids have now. I wish I had money to live but in all fairness. I 'm barely living. I try daily to make more money, by trying to help in side jobs, just so I can take my kids out to a movie or just to dinner. I have n't been in a situation like this my whole life. I worked for everything I owned. In the passing away of my father from XXXX XXXX, I lost my job and heard from now my ex wife, hat I 'm not a man for losing my job. And I better do something fast or this family is over. Plus she wanted a larger house. For years I 've tried to have a better paying job, but it did n't happen. The stress was so bad i had XXXX, and put on XXXX and XXXX XXXX. I have nothing left to say or can do. Please stick to our hard times agreement. Due to financial loss, and divorce.
Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!
Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. 

Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.
Equifax is listing accounts that are closed as open, this is an intentional act to assist with keeping credit scores low. After disputing items on my report with Equifax they intentionally changed the status of these accounts to open causing my score to drop by over XXXX points. The accounts that are being reported incorrectly are as follows, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX accounts. By putting the accounts in open status it affects your credit score. For instance why would a collection account that has been closed and paid be reporting as Open. This only changed to open after it was disputed. Equifax is attempting to intimidate people that challenge information on their credit report. Equifax is also reporting a judgment as pending with out the date of filing, they are failing to report a tax lien that was released as released it just shows no status. I have also noticed that the reports that they send you is different then what credit monitoring services have on file as your report. I intend to start litigation against Equifax for this bold and malicious behavior if not corrected asap.
Capital One either failed to send a billing statement, or I failed to receive it. Once I noticed the problem, I called immediately, but they had already used the excuse to jack up the interest rate to 30 %, charge late fees, charge penalty interest, and otherwise attempt to extort the situation for all it is worth. They were unwilling to restore the original interest rate, even when confronted with the issue. It appears to me that they intentionally, as a standard business practice, will fail to send a bill, then use that excuse to jack up the interest rate to penalty rates on carried balances. 

Also, though I never made any attempts to change my online username and password, they claimed that the one I kept on file was no longer valid, preventing me from logging in to receive an accurate statement of account. In order to log back in, they seek invasive personal information with could be used to further phishing scams.
I have not tried to obtain and credit and I continue to see credit inquiries on my report that I did not allow and would like removed.
My Bank of America card was used taken and used without my knowledge to create unauthorized and fraudulent charges on my account. I did not give anyone permission to do any of the fraudulent transaction. When I discovered the fraudulency, I immediately notified Bank of America. I stated there were fraudulent transactions on my account and the BOA Fraud Rep filed my claim and told me a credit would be made as well as the card would be canceled, and I would need to return the sent documents from them. I then went to the Police and filed an ID Theft police report as directed and a ID Theft Federal Trade Commission 's ID Theft Affidavit. I sent these documents via USPS Certified Mail with Return Receipt ( see attached ). I also went into the Bank of America branch and had the representative fax also a copy to the fraud department with the the claim number given. Bank of America credited my account for the fraud transactions and then later stated they never received any documents such as the ID Theft Police Report, therefore removed the credit from my account. This IS NOT TRUE. You will see the name of the Fraud rep I spoke with, the claim number, the police report, ID Theft affidavit, copy of the certified mail I sent which also had a return signature receipt that they did not accept and denied to sign. The USPS Certified Mail CONFIRMED Bank of America received my documents and if they are saying they did n't, then who did? I also had the documents FAXED my their own employee of BOA and BOA said they did not receive that also! Who obtained my PERSONAL and SENSITIVE information! This is a violation of my Privacy Act rights, California. I am exhausted trying to resolve this by calling them, going in person to the branch, speaking to the staff, writing them and faxing them. I need CFPB to help me resolve this issue so I can move forward and return to my account in good standing.
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking my   XXXX   XXXX    Credit report  I discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.
After filing for Bankruptcy XX/XX/XXXX, XXXX and CHASE BANK, where on my credit report as a history and showing that I have a mortgage account. It is now XX/XX/XXXX.  According to XXXX XXXX XXXX XXXX, XXXX requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. XXXX needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, stupid, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.
Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle. 

The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''. 

However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....
I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.
Over the past several months I have continued to receive unwanted calls from a company called " CBE Group. '' I have blocked several of their numbers ( which all originate in XXXX, New York ). However, they keep calling me with different lines every time. 

I have received numerous calls before XXXX in violation of several laws and regulations. They are harassing me with their calls. Last time I told me to stop calling me and the representative assured me they would put me on a " no-cal list. '' Despite these assurances, I have continued to receive illegal and unwanted calls from this company. See attached proof. 

I also suspect the company uses false names for their representatives. Please check if a " XXXX XXXX '' is actually an employee there or if its another deceptive tactic this company is using.
I entered a program with Chase mortgage, a loan forbearance program due to the hurricane, where I would skip a few monthly mortgage payments and they will add those payments to the back of the loan. Chase send me mortgage contact that says I had to sign and return to them saying that I owe 6 months mortgage payments, that is false, I owe them 5 months. I called them and they confirmed that it was indeed 5 but they are withholding my last mortgage payment until I sign and return the new mortgage contract and that's why it shows 6 and not 5. They are hijacking one of my payments until a sign a fraudulent document. They will not send me a new document, and told me not to contact the authorities. 
XXXX XXXX
The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.
I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. 
Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! 
In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. 

I have blocked each of these numbers and have reported them, but when is enough, enough?? 

PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!