WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX we filed Chapter XXXX Bankruptcy and walked away from our house because we were under water. In XXXX we finished the bankruptcy hearing and were in an apartment since XXXX XXXX. We never gave the keys to the bank because we were told that there may be programs that could help us save our house. We were denied for a couple of months until after XXXX XXXX XXXX we were offered a XXXX Modification. 
We then went through a series of 3 month trial payments that took 2 years to finally complete. XXXX of the things that the modification required was that we showed proof that our 2nd Mortgage was removed. IndyMac had our XXXX at the time and we had a balance of {$190000.00}. Thy sent a XXXX showing that the debt was charged off. This was enough to satisfy the modification and we were approved. 
Now we wanted to sell our house pay off the debt we currently have and relocate with a fresh start. Our house was in escrow when the title company discovered that IndyMac never removed their lien. This was a complete shock as it never showed on any of our credit reports and we were never sent anything in the mail and never received a single phone call. Even they said that it should be easy to get them to release the lien because they already sent the XXXX. 
I called CIT which bought IndyMac and they originally said that it should be all taken care of. Then they said they sent the XXXX in error. Then they back tracked and said it was n't an error and that I do owe them, unless I have a XXXX modification which should protect me and they could give me a lien release if I could show that it was a " performing '' XXXX which means that I have been paying and it is current ( which it is ). I sent them the loan paperwork and payment history. They said that should be enough and would send it in for review and we should have it all taken care of. Instead they called back the next day telling me that the pool of investors that my modification is in will not release the lien. All of the other pools of investors will release liens just not the one that I happen to be in. This is crazy and does not make any sense. I need to have this lien released so I can move forward with my life. If it is n't I am facing another bankruptcy because I can not sell my home with this lien ( it would have to be a short sale ). IndyMac got bailed out so technically they already got paid. Can you help me get this lien of my title so I can sell??
Requested Chase to lower my % rate. Have been good customer for over 9 years. Never missed or late payment with Chase. I have viewed XXXX ( XXXX ) Chase customer credit card statements. These friends of mine have a credit score equal to or less than my credit score. They make less money, they have been with Chase a much shorter period of years. My % is 29.99 with Chase, which is Very High. All of my XXXX Friends have % rate between 23.99 % -16.99 %. I have send many emails, and spoke to employee of Chase about this problems/issues. The only difference that is Displayed is that I am XXXX. And Chase is Racially discrimination against Me and any other XXXX customer that Chase can identify. Chase has Racially Profile me, and are charging my credit card account a higher % rate based on that decision.JP Morgan Chase employee practice these policy regularly.
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Accounts in question are : XXXX ( over 7 years ) XXXX ( i believe we first became late of 7 yrs ago ) XXXX ( i was first late over 7 years..? i think this is a duplicate ) XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC . 

2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC .

OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Us Bank online bill pay - on two occasions overcharged in late fees double up the late fees. on two other occasion the late fees were applied to mortgage even when in the payment process there were assigned to late fees due. Currently there was 2 funds held in suspense which we set to be paid to late fees. They applied the funds to principle, and I have contacted Us Bank 5 times. Recorded the conversation on 2 occasions to resolved the matter. I was told the last time that this was corrected, and funds were reversed and applied to proper fees due. XX/XX/XXXX XXXX. When I checked on Monday XX/XX/XXXX the online systems still shows in correct, still show the 2 late fees due. The transaction summary shows they reverse my last payment. An not the missapplied funds for the late fees for {$100.00}. I have spent 10hours and 5 contacts to resolve this matter.
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXXDelete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX Transunion : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
On XX/XX/2018 I contacted an individual about getting concert tickets off of an ad. This individual seemed to be real and was willing to do a transfer of tickets through XXXX. I sent him {$100.00} for the ticket, he then blocked my number and avoided all texts coming in. I reached out to my bank, PNC, because this transfer was through XXXX but with my bank. You reached out to my bank, twice, and was told a dispute is being out in for this fraud. I called my bank an hour after the transfer, there is no way this money should have been taken out of my account and sent within that time period, are there no fraud preventative measures in place? Currently Im waiting for my bank to respond to the dispute. This was fraud and scam and I would like my money back. They would be able to track where they sent it.
I was trying to book an international flight ticket using my XXXX XXXX card ( issued by Barclays Bank Delaware ) on XXXX/XXXX/XXXX ( Sunday ) in the amount of {$1100.00}. The next day ( Monday ) I was contacted by my travel agency saying that the payment did n't go through and that I needed to resolve the issue with the credit card company so they can re-process the charge on the same credit card else the booking will need to be canceled and re-booked at a much higher fare ( the fare had already gone up by over {$500.00} ). 

Upon reviewing my account online, I realized that my available credit was showing only {$960.00} even though I had already scheduled a payment of my balance in full over the weekend in the amount of {$1300.00}. I called in to the customer service to request if they would grant me a temporary increase for {$300.00} ( given I 'd already scheduled to pay the existing balance in full ) so that the payment could be reprocessed. I was informed that this was not an option and that there is no way for them to apply the payment today even if I was willing to wire in the money to them same day! I asked if I could transfer some of my available credit from another Barclays card to my XXXX XXXX card but was told that that was n't possible either since I did n't have the minimum of {$1000.00} in available credit needed on that card and that they could not make any exceptions for me! I even tried to ask for a credit line increase for {$300.00} but was denied after a credit check and personally speaking with a credit department XXXX ( XXXX, Operator ID : XXXX ) even after explaining the entire situation to her! 

I have several credit cards and none of them take 1-2 business days to process and apply the payment towards the available credit or at least they would have allowed me to temporarily go over the limit by {$300.00} especially given that the credit card payment was already scheduled in full! 

When I asked XXXX to transfer me to the complaints department to lodge an official complaint, I was informed that the only way to do this was by mailing a letter to the Office of the President. I did find a phone number ( XXXX ) on the " Complaint policy statement '' published on the XXXX XXXX XXXX website : XXXX : XXXX? XXXX However, this appeared to be just a general customer service number with generic options without any specific option for the Complaints Department. When I finally got through to a XXXX ( XXXX, Operator ID : XXXX ), she had to dig around for a way to lodge my complaint and was unable to provide me with a case number or a written email response that my complaint had been received and would be reviewed! I still have no assurance ( other than verbal ) that my complaint was lodged, will be reviewed and that I will get a timely response back!
They have contacted me at XXXX XXXX few times and I have requested few times not to contact me at that time and still happening.
On XX/XX/2018, I went on my online Nelnet account to check up on my student loans and the interest that is accruing on them. I am on a REPAY plan and I frequently check the amounts and pay the interest amount at least once per year in order to stop the interest from becoming capitalized. I noticed that some of my loans had listed that some interest had capitalized. I called Nelnet the same day I noticed the capitalized interest listed to find out when and why it had happened. I was told that interest capitalizes when payment plans change but had to repeatedly ask for when the interest was capitalized. I was incorrectly told that in XXXX my loan payment was changed to REPAY ; it was, in fact, not changed it was renewed and as stated in the renewal application would not cause capitalization of unpaid interest. After asking a number of times I was then told that interest capitalization had occurred when my student loans exited the six month grace period after graduation. I had made a payment before the end of the grace period in order to avoid capitalization and mentioned that to the customer service representative. I asked for how my payment was allocated to the loans and was told that some of the payment was allocated to interest then principle balances and some of the payment was allocated to principle balances despite the fact that the payment was sufficient to cover the interest of all of the loans. I asked why that had happened and waited a significant amount of time on hold to be told that it was, in fact, mis-allocated and the payment should have gone to all interest before paying any principle balances. I was told that I can reallocate this payment to cover the interest but because the mis-allocation had taken place close to a year and a half ago that all payments would then be affected and my loans could become delinquent. I am worried this is could be intentional to cause capitalization of interest.
Stenger & Stenger have contacted me in regards to a debt without supplying my signature that I owe this debt or validating this debt. I would like to seea ny original documents with my signature in regards to this matter. I have disputed this with the credit bureau and this claim of debt owed was removed from my credit. I have now received a civil wage garnishment on a debt from 2009 and again have not been supplied with any information that this is valid. They are now using threatening tactics. This is not a fair practice to me. They are now contacting my place of employment and other contacts that I have not given permission to do so. CASE # XXXX with XXXX County Indiana has been closed and they are still threatening action. They are trying to threaten on an invalid debt past the statutes of limitation.
The Client CalledXX/XX/XXXX spoke with XXXX Employee # XXXX to explain payment was made on time and accepted by loancare, but the funds were not applied to the loan resulting in 30day past due notice. 
Was told to send email with proof of payment for XX/XX/XXXX via trace number to email address XXXX XXXXor loan # XXXX ... XXXX. 
Response from LoanCare XX/XX/XXXX Reference number : XXXX ... 4X Please use this ticket number in any correspondence with us. 
Subject : Loan # XXXX ... 7 proof of payment trace number XXXX ... XX/XX/XXXX Dear Valued Customer, Thank you for contacting us. 
To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form from your bank. 

The Client provided Bank Fax with payment information on XX/XX/XXXX. 
There was not a response from Loancare. 
In a call to follow up on XX/XX/XXXX, the company claimed the ticket was closed for insufficient evidence by XX/XX/XXXX. 
This seems like an unreasonable short window to provide requested feedback. 
The company, myloancare, did not reopen the ticket to continue research when requested. 
The company did not take measures to communicate properly with the client. 
The company mis-represented delinquency while accepting money. 
The company using email correspondence, and left mailing address as response in to research file # XXXX ... 4X The company mailed paperwork on XX/XX/XXXX citing lack of response from the client, and inability to contact the client. 
The company did not respond to client inputs via email or phone inquiry Client sent another email request on XX/XX/XXXX.The email was sent via the online Loancare email customer service request on website. The Client included a PDF attachment in that email. 

There was no response from Loancare as of XX/XX/XXXX. 
The PDF contains the entire written trail of events and correspondence between XX/XX/XXXX and XX/XX/XXXX The Client issued a complaint via CFPB on XX/XX/XXXX. The PDF with written trail of events was uploaded to the complaint made at CFPB on XX/XX/XXXX, citing lack of communication in light of objective evidence and written response request.
In XX/XX/XXXX I certified mailed a dispute letter to XXXX XXXX to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports, respond to my letter which I can prove they received, and that they did not send any information verifying the debt to me that would prove and hold up the erroneous claim that I owed them to begin with, or have negative accounts with them. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services. Carrington is requiring me to keep a escrow balance not to fall below {$680.00}. There is nothing in my loan contract that gives them the right to do that. My targeted low point was {$0.00}. XXXX XXXX XXXX did not do this. The balance fell as low as {$250.00} one year. Even their letter states my targeted low point was {$0.00}. I feel this is a breach of contract and that my loan terms should prevail over their policy. I did not AGREE TO THIS.
I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.
Equifax data breach Alerted on XXXX.XXXX.17 Confirmed my details were leaked by checking the Equifax Security 2017 website ( website said " Based on the information provided, we believe the your personal information may have been impacted '' )
We have a mortgage with Nationstar that expires XXXX XXXX, XXXX. The loan originated with XXXX XXXX XXXX and is a conventional fixed rate simple interest loan. Nationstar is claiming that we have a balloon payment of approximately {$13000.00} due on the loan. I filed an earlier complaint # XXXX that contained the loan agreement and the modified loan agreement. In order to resolve this issue, it is important that Nationstar provide a complete payment application history all the way back to XXXX XXXX. I personally requested this payment history, and Nationstar said they would be providing it to CFPB by XXXX XXXX which I thought was in relation to the earlier complaint. However, since that complaint has been closed, I am officially requesting that information in this complaint.
Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.
EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.