WillisBack/dataset-financial-user-claim huggingface dataset:
Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day
In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). 
GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.
XX/XX/XXXX my direct deposit was removed by ocwen. They said that I did not submit paperwork in time. I set up automatic withdrawals from my bank account and faxed the forms that they claimed they never received. XX/XX/XXXX My monthly payment was returned. I was told that it was returned in error and to resend it. They kept XX/XX/XXXX payment then XX/XX/XXXX payment was returned. I continually have gotten the runaround In XX/XX/XXXX a monthly payment was kept by Ocwen but the reversal of my Loan modification never was reversed as promised during a XX/XX/XXXX Email. All of my payments have not been applied to my account. I was told during one of many many phone calls to Ocwen that the employee handling my account was fired and my account fell through the cracks. This has caused me tremendous stress and I could not afford to fall behind on my payments. I did not have the funds to catch up. In addition I would like full credit for all payments made. Ocwen system shows that they have not received a payment since XX/XX/XXXX. Their system is inaccurate and I have receipts that show that I made payments up until XX/XX/XXXX when my payments kept being returned to me after I was told they would not be. In XX/XX/XXXX a representative told me they show that I was in arrears since XX/XX/XXXX and my only option was to pay the arrears. I recently received a court notice of foreclosure. I plan to seek legal representation if Ocwen does not rectify my records.
Equifax should have arrived at the correct resolution to the following dispute, in light of the fact that the debt collection agency that placed false information on our accounts is in violation of Federal law. They should also restore us to a high credit score. 
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court, and the amount the court requested, which again we satisfied, was already much lower than what XXXX XXXX XXXX is claiming to collect. My wife and I should be compensated for the monetary value of the combined change/loss in our credit scores due to their false report. 
Most importantly, they must cease and desist from wrongfully reporting the legal status or amount on our credit reports.
XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
This collection Company named XXXX XXXX XXXX XXXX XXXX XXXX with the acronym XXXX bought a debt account to CashCall on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of XXXX XXXX XXXX stated there were cero payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As XXXX stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX XXXX XXXX against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from CashCall or XXXX ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX-XXXX  on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. XXXX replied that they served me and that their collection is from CashCall, now their property. They never validated the debt. They send me a copy of the contract of CashCall without signature, I never signed anything from CashCall. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by CashCall, XXXX. XXXX - XXXX bought the loan to CashCall - XXXX in XXXX. XXXX sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as CashCall contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The CashCall contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.
On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.
I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.
My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.
Experian Report # XXXX for XX/XX/XXXX shows XXXX XXXX services on that report in which payments were made and account is paid off and closed. 
Experian report # XXXX for XX/XX/XXXX does not show XXXX XXXX XXXX as if it's been deleted by Experian for no reason after I made payments on time and the original credit amount {$3200.00} was the original amount. I also want to no why an account just open XX/XX/XXXX paid payments was deleted and for what purpose. I'm also filing a consumer US Attorney office complaint on Experian reporting and how it effects one credit not reporting creditors on time and trying to say it them when it's Experian not updating things for months and other issues adding address of duplicates address of more address or the wrong employee. I have reports going back for over 18 months with the same issues added address wrong employment and various other issues that takes Experian too long to clear up after the creditor done mail me the copy and replied back to the CFPB, FTC, and other agency that I filed on Experian practices. Experian always has some lame excuse some computer generated XXXX as a reply with noting justified or or documentation to back up the response.
I have been corresponding back and forth with XXXX and now XXXX  for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, Experian and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
I was a victim of the XXXX breech so as a prudent measure I decided to freeze my credit and my wife 's credit with the three reporting agencies. The only one I've had a problem with is Experian. I was somehow enrolled in the program XXXX XXXX XXXX for {$24.00}. They make it extremely difficult to cancel and force the customer to call the agency and remain on hold for long periods of time. They would not refund my money, forcing me to dispute it with XXXX. There is a much simpler way to Freeze rather than lock a credit account that is a different web address than the membership. Having spent 10+ years as an XXXX XXXX, I believe this is deceptive.
Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.
I paid this usury interest rate loan off on XX/XX/XXXX ( XXXX ) I have been conducting business with these people since XX/XX/XXXX ... .Flurish/LendUp, XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX Ca . XXXX ... .. I have not received any refund relating to the CFPB settlement or the Ca. Dept of Business Oversight settlement. I have paid these people over {$5000.00} in interest since XX/XX/XXXX. I have tried to discuss the situation with them to no avail.
On XXXX/XXXX/XXXX, I took out a loan for {$1400.00} to attend XXXX XXXX in XXXX, New York, and on XXXX/XXXX/XXXX, the financial aid institution disbursed the same amount. There was an additional addition to the principal of {$760.00} on XXXX/XXXX/XXXX which I do not understand as I was attending a state college at the time. 

The institution, called American Education Services, does not bill me regularly, but I have been making payments through the online bill pay service that my bank offers. I believe that too much of my payments has been going toward interest, and the loan company is n't interested in having me pay off the loan in a reasonable period of time. The " expected payoff date '' for my loan is XXXX/XXXX/XXXX. XXXX of my payments of {$50.00} went entirely to interest. I believe that this institution is a predatory loan company.
XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due.
I was buying a ticket at XXXX XXXX. While I was doing that - this offer came in between which literally meant that apply for the XXXX XXXX XXXX Credit card from Citi and you will get {$100.00} credit.
Later I come to know that it 's not the case. Neither I am getting {$100.00} as statement credit but i will have to pay for the annual fees also. This is misleading and clear violation of UDAAP.
When i called the customer service they told me to get {$100.00} credit - i need to buy something on XXXX Why in the world they flashed such a fake commerical/advertisement? I could have used this card provided after the approval - they have immediately shared the Credit Card details ( just the way XXXX XXXX does it using it 's mobile wallet app )
I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.
We closed on a home and need to forward the funds to current mortgage. We had the escrow officer deposit the amount to our Wells Fargo account as a cashiers check so it would be available within a day but they are holding it for more than seven days! Our escrow officer said that was illegal to detain our funds and so we are following up with the appropriate agency 's involved.
A refund was illegally refunded by XXXX to a closed debit/checking account w/ Citizens Bank XXXX After many phone calls into Citizens Bank, was finally able to find that the refund was in fact sent to my closed account & a check was issued for the refund one month later. After 4+ weeks of no check being received, I began to call into Citizens Bank requesting a re-issue be done as I still had not received the refund check that was righfully mine. Another week passed and they stated they were going to notify the correct department to place a stop payment on the check. Low and behold, two days later I received the check and I did call to make them aware that I had received the check. I received a phone call assuring me that the stop payment had not been placed on the check and it was ok to cash. Upon cashing the check on XXXX XXXX, 2015 when the refund was placed into my closed account on XXXX XXXX, 2015, I received a letter from my current institution on XXXX XXXX, 2015 via mail that there was a stop payment and that the funds had been withdrawn from my account. This refund was performed by XXXX on XXXX XXXX and I am still waiting for that refund as it has been 3 months. Who exactly is getting the interest on this said money that does n't belong to them yet make it ever so difficult to return to the rightful owner?