WillisBack/dataset-financial-user-claim huggingface dataset:
I opened up a Citi Sears card to make a purchase of a refrigerator in a Sears store on XX/XX/2017. In XX/XX/XXXX and on XX/XX/2017 I received calls from Citi regarding my account being unpaid. In XX/XX/XXXX and yesterday ( XX/XX/2017 ), I called Citi and advised that I had not received statements in XX/XX/XXXX or in XX/XX/XXXX nor had I received my card from Citi. During my XX/XX/XXXX call to Citi, I paid my balance due and asked that the late fee be removed from my account. I also asked if the six month, no interest promotion was still available because technically, through no fault of my own, I had not made my payment timely. The representative assured me that the six month, no interest promotion was still available to me. I was also transferred to a different department and I was told that my address was incorrect and that it would be corrected. After speaking to the both departments at Citi, I was told that my statement would be sent to me and that I would also receive my new card. None of those things happened. On XX/XX/2017, I received a call from Citi advising that I needed to call them regarding my account. I called back and explained that I had not received my statement nor had I received my card for this account. The representative in this case, kept saying that my statement had not been returned to them. He wanted to know if I wanted to make XX/XX/XXXX 's and XX/XX/XXXX 's payment, which I did for approximately {$63.00}. He also indicated he would remove the late fee from my account. He then transferred me to the department where I could request that my credit card be resent to me. I spoke to a representative who wanted me to verify that I was who I said I was by providing my cell phone number. I did not want to use my cell phone number because I prefer to use my home number for credit cards. For some reason my refusal triggered some kind of Fraud Alert and I was transferred to that department, where I had to call back three times and speak to a different person each time and explain what had transpired and I was given the full run around. In addition, that department 's telephone prompts required that I provide them with my credit card number that I did n't have because I never received the credit card in the first place. The last person I spoke to was able to help me and advised that she would cancel the old credit card and send out a new credit card and I also confirmed my address with her and everyone else I spoke to at Citi. She also called my home phone twice. I picked up both times and spoke to her on the second call. I do n't know if this is situation of not sending statements to customers is some type of scam that Citi is running to get late fees and interest from unsuspecting consumers, but I am very concerned about what is going on with this particular card. I used to bank at Citi for several years and they still have a mortgage on my co-op apartment so I am somewhat familiar with this bank. However, I do n't recall that I every had a credit card with them so maybe this is how they do business. I just do n't want to be taken advantage of like those XXXX XXXX costumers.
This was a secured card with a credit limit of XXXX which was not used. However after the card was closed now they 're reporting an outstanding balance that I do not owe. It was my money that originally secured the credit card.
I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
I was alerted to fake accounts with Bank of America. I have atempted contact however no one would rrespond. I have been the victim of multple fake accounts. This has affected my XXXX career, access to funds, and personal Identity being stolen
Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.
My federal students loans through Navient have been consolidated and with another provider since last year. They are all showing paid and closed. I have pulled my credit report months back and I have disputed late payments several times with Navient and they have NOT provided me with documentation to prove that the accounts were indeed late. The accounts are definitely old, paid and closed, but still affect my credit score! I have requested validation of late payment reporting and because the information that I have requested has not been granted, I am asking that these accounts please be removed from my credit report. I have XXXX Navient/Dept. of Education accounts reporting on my credit report which is excessive and not to mention detrimental to my credit health. I signed nothing stating that separate individual accounts would be reported on my credit report. I did not take out XXXX loans for college this deceitful, unethical behavior is wrong. These companies are supposed to be helping not hurting! On XX/XX/XXXX and XX/XX/XXXX Navient reported that I was late, this is unlikely.I constantly stayed in forbearance to not have them report to my credit, which I am very upset about because they NEVER offered any other program to assist me when I was in financial difficulty other than forbearance. I need proof of this erroneous reporting. I am requesting all these accounts be removed. Every time I speak with a customer service rep from Navient I get different responses to the accounts some say I was in forbearance or in school deferment and then another would say I was in repayment. The records are incorrect and the system in corrupt. Lastly, some of these accounts reporting are XXXX XXXX XXXX they need to be removed from my credit report. Something needs to be done to protect consumers. If these accounts are not removed, I will be taking legal actions to protect my rights.
Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured.     In  one  month mortgage has gone up from {$5200.00} to {$6000.00}
The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help
On Friday, XX/XX/XXXX I submitted a request to pay off my Navient student loan in the amount of {$4000.00}. In their website under the recent payment section, it showed a payment in the amount of {$4000.00} in pending status. At that point, I decided to cancel the recurring payment I had set up to make regular payments. Since the loan would be paid off, I did not want Navient to continue drafting my regular payment. Once I cancelled the regular payment, I checked the recent payment section, and my pending payment of {$4000.00} was no longer visible. Like a reasonable person, I assumed that when I cancelled the recurring payment, the pending payment must have also been cancelled, since it was no longer visible, so I submitted another payment in the amount of {$4000.00} to reset-up that payment that appeared to be cancelled on the Navient website. On Monday, XX/XX/2018, my checking account was drafted twice for a total of {$8000.00}. Navient apparently had not cancelled the initial payment, but has deceptively removed the pending payment from visibility. When I called to try to get the {$4000.00} back, I was told that it would need to do to investigation and that I would need to submit bank statements showing that my account was drafted twice. This process would take 10 business days. Navient can see that they got the money twice. I know they have ACH records that show that the money came out of the same account twice. Additionally, Navient can take my money within one business day, but when asked to return money that did not rightfully belong to them, I was told the process would take at least 10 business days. I have bills to pay and needed that money. Thankfully, my financial institution agreed to return the funds to me and will fight with Navient to  get their funds back. Navient 's process is deceptive and abusive to its customers.
I am one who filed for loan modifications with Wells Fargo. Due to injuries sustained in a XXXX automobile accident, I was unable to make mortgage payments beginning In XX/XX/2015. From that point untilXX/XX/2017 when I was forced to sell my home of 20 years well under market value in order to avoid foreclosure, I was in constant communication with Wells Fargo and even asked how much earnings I needed per month in order to qualify for the modification. XXXX XXXX, the loan specialist assigned at the time stated, as much as you possibly can, while refusing all requests for a specific answer to my query. Since selling the property I have had tremendous difficulty, having moved 3 times in the past year, completely destroying cherished belongings and relationships along the way.
I purchased a 2015 XXXX XXXX ( new ) approximately 1 year ago. Chase Auto Finance financed the vehicle for approximately {$29000.00}. The purchase of the vehicle was approximately {$19000.00}. I had a trade in that caused the total financing for a 2015 XXXX XXXX to approximately {$29000.00}. I pay approximately {$650.00} monthly. I have not been past due by 30 days but I do make my payments late because of the extraordinary monthly payment. Chase Auto Finance continues to call me on a monthly bases and tell me when am I going to bring my account up to date. I explained to the Chase Representatives of the situation and they refuse to help. They wont refinance or in good faith negotiate on the principle of the account. I am tired of the continuous phone calls and the unprofessionalism and unwilling to help in anyway. I am making my payments NEVER past 30 days late and since they are unwilling to help I do n't want them to contact me again. I 'M MAKING MY PAYMENTS SO LEAVE ME ALONE. I 'm so underwater on my vehicle that since Chase is unwilling to help I attempted to refinance with both my Credit Unions and the said no because I am approximately {$14000.00} underwater.
R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641
This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.
On XXXX/XXXX/XXXX, XXXX began reporting a debt that was already being reported by a collection agency - XXXX which showed an assigned date of XXXX/XXXX/XXXX. XXXX XXXX XXXX reaged this account and began double reporting the same account concurrently with XXXX. This debt did not belong to me, the original creditor applied charges to my former account instead of creating a new account for my ex-husband for the services received. I worked with XXXX and they have removed the account and returned the account to the original creditor. 

I have attempted twice to contact XXXX XXXX to verify/validate the debt/dispute with the information above. XXXX XXXX has failed to respond to my requests for validation.
My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.
I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.
Once again, I am registering a complaint against Ocwen loan servicing. And, once again they refuse to answer a single complaint since I first registered my first complaint in 2014. They still claim I owe them money even though they paid my condo association over {$27000.00}. for a bogus invoice the condo assoc. 's legal rep. mailed them for falsely stating that I owed them money for making remodeling changes to my condo even though, this was settled out of court with myself not owing any fines or fees in relation to any of their accusations. Ocwen needs to follow up on this and retrieve the money that they paid the condo association and apply it to my mortgage. If Ocwen followed through on this my mortgage would be paid in full and I would no longer have to deal with them. Ocwen is threatening to foreclose and sell my property without even attempting to settle all my issues. Again, Ocwen has been sued in federal court by the XXXX in XXXX states for billions of dollars. Their stock has tanked and is only staying afloat by stock manipulators. Ocwen has announced laying off approx. XXXX employees. They never lay off the people they pay {$3.00} per day in XXXX only those in the XXXX Why? Ocwen has ripped off numerous people by foreclosures who had no recourse and did not know what to do. 
My initial loan from Ocwen was approx. {$43000.00} now, they claim that I owe them over {$74000.00}. How can Ocwen be allowed to do this? When will they be stopped? 
Also, they have not ever responded to my initial request of my RESPA letter. And there are fines related to this. And I have never received any of the fines I was entitled to. Also, they continue and knowingly send me bills which they know are not correct. That is a federal crime to knowingly send false billing through the XXXX mail. Punishable I think for {$5000.00}. on each occurrence. And, yet Ocwen has done this for over a year. I appeal to our XXXX and XXXX to do something before Ocwen goes bankrupt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. 

I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.
I checked my credit report today, XX/XX/2018 and noticed that the XXXX 's account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX 's credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX 's for payment.
I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and XXXX XXXX.