WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a refinance with my existing mortgage company. I asked for a loan of {$250000.00}. The representative XXXX reviewed information I provided and said he could do a loan for {$220000.00}. I said I did n't want a loan for that amount but the {$250000.00} so I could pay off debts and have a small cushion for home repairs. I told him I was planning to get a job and hoped to be starting soon. He said that we should start the process and when I started working he could re-evaluate the loan amount. Soon after I was transferred to another representative XXXX. I reiterated to her that I was seeking a loan for {$250000.00}. I have emails supporting these exchanges. I sent her more documents and when I started working I sent her evidence of the same. Finally I was told we were ready to do the final signing but she wanted to know how I would be paying my property taxes. I said she should just take them out of the new mortgage settlement. That 's when I discovered they approved a mortgage for {$220000.00} only. I was so angry. Nowhere along the way did they bring this up. None of the documents they sent me to initial or sign included the loan amount. They had plenty of opportunities to clarify this. They even misled me about employment. They now said they could n't consider my employment income until I had worked six months! They were playing me all along thinking I would just accept the final loan approval. I declined the loan after wasting so much of my time and money in sending faxes to them. This is deception in lending.
This complaint concerns XXXX XXXX XXXX XXXX XXXX Account No. XXXX As per our conversation on XX/XX/XXXX, XXXX XXXX XXXX represented that upon receipt of my last payment on the above referenced that they would remove any delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies. By payment on XX/XX/XXXX, I satisfied my obligation to XXXX XXXX XXXX with my last payment. Nevertheless, the continue to report my account as delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies contrary to our XX/XX/XXXX agreement.
This company calls 6-8 times a day to collect on a debt and when I call and complain that they are changing the terms and conditions of the loan agreement, I am being told the grace period they offered was just a courtesy.
I got a XXXX XXXX XXXX leased vehicle from XXXX XXXX XXXX XXXX. The price listed was for XXXX, the dealership said I was approved by Autotrakk leasing company. After getting home I got a call from a representative from Autotrakk telling me the cost of the vehicle which was now {$28000.00} I told the representative the price was incorrect. The representative said well that 's what you signed for a there is nothing I can do because the car is in my possession. The dealership would not return my calls or except the car back. After leasing the vehicle for 2 years I was unable to keep up with the payments. Autotrakk repossessed the car and sold it, and is reporting a negative of {$16000.00} on my credit report.
A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.
DEAR CFPB : OCWEN BANK DO NOT WANT TO REFUND US ILEGAL FLOOD INSURANCE CHARGEOCWEN CHARGE USD XXXX PER MONTH THE CORRECT AMOUNT IS USD XXXX ( OVER CHARGE USD XXXX X XXXX ) TOTAL USD XXXXXXXXLOAN # XXXXXXXXSEE EXTRA INFO ON THIS INSURANCE FRAUD CASE : XXXX, New York ( XXXX XXXX, 2015, XXXX XXXX ET ) -- Ocwen Financial Corp. and XXXX have agreed to pay {$140.00} XXXX to settle a putative class action in Florida federal court with homeowners who say Ocwen artificially inflated the cost of premiums for forced-placed insurance in exchange for kickbacks from XXXX. In the proposed settlement, about XXXX class members will receive the money from Ocwen and XXXX. Ocwen has agreed to change its practices during the next five years, prohibiting commissions for force-placed insurance coverage, foregoing quota-share reinsurance arrangements with insurers and not using Ocwen affiliates to get force-placed insurance coverage. 
WE REQUEST THE REFUND OVER 4 MONTHS AGO AND WE DO NOT HAVE ANY RESPOND XXXX XXXX XXXX
I found XXXX XXXXXXXX XXXX on my XXXX XXXX report. I do not recognize this company or ever having done business with them. Under Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
I refinanced thru Nationstar Mortgage Co . I closed last week and to start It off I had XXXX notaries call me to close and sign the papers. This means XXXX people got a hold of my personal information. Second I was never told I needed a certified check for the closing. I had to go to the bank the next day to wire money to the mortgage Co which my bank charged a fee of XXXX Third and the final straw was my next payment was not due till XXXX XXXX. And today I had my XXXX payment taken out of my old account that was closed out on Monday. I called Nationstar this am and they told me that it would take 30 days to refund my money because the old account was a FHA loan. I had nothing but headaches and lies from this mortgage co. Being a customer with them for the past 3 years and paying my mortgage on time this should not happen.
I got behind on my mortgage after a disaster involving pipes bursting and backing sewage up into the house. I have to replace the main line pipes and refinish the basement after XXXX XXXX ripped out all the walls and carpeting. I spent my entire savings trying to make the house livable again which caused me to get behind on the mortgage. 

I applied for loss mitigation on XX/XX/XXXX. At that time I was 4 months behind on my mortgage. I called several times attempting to set up a payment plan to get the mortgage up-to-date but Loan Care refused to take any payments unless I paid the entire amount due. In XXXX, Loan Care denied my request for loss mitigation. 

I applied for loss mitigation again on XX/XX/XXXX via fax to XXXX since fax XXXX would not answer. After 3 week I had to resend the paper work again because Loan Care said they never received my documents. 

As of today, XX/XX/XXXX, I am 8 months behind on my mortgage and I was attempting to pay 5 months today but once again Loan Care would not accept a payment and I do n't believe they are going to approve my request for assistance. I am now having to try to sell my house before they foreclose on it because I ca n't get anyone to work with me on paying the mortgage. I 've owned this home for almost 20 years and this is the 2nd time in 20 years that I 've had financial difficulty, otherwise, I 've paid my mortgage as required.
I have tried disputing with the bureau on several occasions since the account showed up on my report in 2017. I have spoke to representatives who where very rude and would not help me. They only offered to keep disputing the information. Sometimes the conversations would not even go that far. This is not my account as i have mentioned before. I filed a police report ( XXXX ) and submitted to the company. This account being on my credit report is causing me to not be able to obtain credit due to its negative status. I have tried and proved everything on my part and they have done nothing.
We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.
This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!
Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.
I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.
Apparently, XXXX sent me a notice that I owed XXXX XXXX XXXX {$520.00} on XX/XX/XXXX. At this time, my son, who is a XXXX XXXX veteran and has severe XXXX and XXXX, was going through a rough time and XXXX   XXXX because on XX/XX/XXXX he hit an XXXX  in XXXX while serving in the XXXX. On XX/XX/XXXX, he attempted XXXX, and I spent the next few weeks securing treatment for him because the XXXX XXXX XXXX XXXX had turned him away on XX/XX/XXXX. Needless to say, as a family, we have been dealing with this for years and it is unbelievably exhausting so  whether XXXX sent me this bill or not I have no idea because for the past couple of months my life has been turned upside down. I also have XXXX so that complicates matters. 

I had called XXXX XXXX XXXX a couple of months ago to setup a payment plan and unbeknownst to me, they do not automatically take all of your accounts into consideration for the payment plan so again, I thought I was doing the right thing but because I did not unequivocally state that I wanted all accounts included, I am punished. 

On XX/XX/XXXX, I noticed that XXXX had added a collections report to the credit agencies so I immediately paid XXXX XXXX XXXX {$520.00} directly. I called XXXX to see about having the collections removed from my credit report and they will not. Yes, I know I missed paying that account because I did not receive or overlooked the ONE statement they sent me but I was busy trying to keep my veteran son alive. 

I now have my house on the market and I guess I will be homeless because no mortgage company is going to touch me with the 40 point drop in my credit score. I do not understand why XXXX would not even entertain removing the collections from the credit agencies. There is no empathy or sympathy in this world anymore and especially for Military families.
Creditors sold debt to several collection agencies without notifying me first. This is violation of my privacy. Creditors also listed false information on my credit report.
A company called CBNA made hard inquiries to my XXXX credit report on XXXX/XXXX/16 and XXXX/XXXX/2016. I I do n't know who this company is and I certainly did n't give them permission to run my credit. There is no phone number for them on the credit report, just a notation " by mail only. '' The address XXXX XXXX XXXX XXXX, SD XXXX follows. Repeated letters to that address were ignored. I sent one by certified mail, so I know it arrived at that address. 
I must assume that there is some sort of fraud going on, or I would have received a reply with an explanation. I have no way of knowing if accounts were opened in my name, using my credit, without my knowing. I can only assume that they have been.
I moved out of my apartment in XXXX, and paid the remaining balance due immediately on receiving the invoice on XX/XX/2018. I received a notice dated XX/XX/2018 from IQ Data inc that they were attempting to collect on this debt.

IQ Data is attempting to collect a debt that I have already paid, and was never past due. I have provided documentation of this to them. 

Their agents have provided different answers about whether they own the debt or represent the original owner. 

The agents have given me different email addresses to provide the documentation to, and refuse to confirm receipt. 

They are aware that the debt has been paid, and continue in their efforts to collect. 

XXXX XXXX, a call center agent for IQ data, in particular is belligerent/threatening, and has provided contradictory statements : - That IQ data owned the debt.

- That IQ data didn't own the debt and only represented the landlord.

- That they would send my bill to collections even though it has been paid to the landlord.

- That IQ data had no responsibility or ability to verify the debt since 'He would be making phone calls all day ' if he had to check and see if everyone who had already paid their bills. 
- That IQ data has no way of confirming that they received proof that the bill was paid.

I believe this is a bad faith, intentional attempt to collect on a move-out bill that was already paid, and that IQ data is purposely being difficult and misrepresenting the facts.

Company information : IQ Data XXXX. XXXX XXXX XXXX, WA XXXX Orignial Landlord : XXXX XXXX XXXX XXXX XXXX, XXXX, wa XXXX
I entered a payment plan to settle outstanding debt with Citibank, N.A on XX/XX/XXXX. I made my last payment on this debt on XX/XX/XXXX in the amount of {$300.00}. I attempted to make a payment via telephone in XX/XX/XXXX to continue my obligation for this debt. The representative at the time, informed me that my account was settled in full and that I did n't have to make the payment. I subsequently received a notice from Citibank, N. A stating " our records reflect that the balance on the above account is {$0.00} ''. I disputed the information with each credit bureau so that they could update my records based on this new information. The credit bureaus responded and said that Citibank, N.A disagree with my dispute of the account. With this in mind, I contacted Citibank, N.A and learned that Citibank N. A sold the aforementioned account to a XXXX XXXX Inc. and they are attempting to collect the full amount of {$5900.00}. Based on the letter I received, this account continues to report inaccurately on each of my credit reports, and Citibank, N.A is still pursuing me for debt I 've completely paid off.
I was alerted by one of my credit card company that someone tried to use my card at a local gas station. I followed through with this credit company. I also received a call that someone tried to open a credit card in my name, the phone number my husband was given was to a DES office ( Department of Economic Services ), the area code was XXXX, not a XXXX number for a return call. I than received a call from a bank that a credit card and charge was made to a new account. I than did a credit report and found different spelling of my name, different address, and phone number.
Starting in XX/XX/XXXX, I consolidated my student loans for a total of {$29000.00} with a locked interest rate of 2.875 %. I went into XXXX XXXX, but it took a long time before I had good paying steady work. I claimed deferment for the first year, then forbearance until XX/XX/XXXX. Not the best idea, I know, but I could barely pay my rent ; future me could worry about the increasing capitalized interest and late fees ( which totaled {$4200.00} ). Got a steady job and began making regular payments, and despite having paid a total of {$16000.00} toward this thing, {$10000.00} has gone to interests and fees and now my balance is still at {$23000.00}. Sure would have been nice to know about various income based payment plans back then.
Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX.
This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Ohio Savings Bank, a division of New York Community Bank ( NYCB ), is getting out of the loan business because of their own financial problems. They just announced the sale of their mortgage business to XXXX XXXX, and they are laying off 200+ mortgage employees in XXXX . However, long before that, they started calling in loans last year. Even though our HELOC was in good standing, they called in the loan -- forcing us to refinance -- which in turn will cost us closing costs and hours and hours of time. We started refinancing in XX/XX/XXXX. However, for a variety of reasons beyond our control, the refinance did not close by their XX/XX/XXXX deadline. Now they are threatening collection activity, foreclosure, negative reporting to credit bureaus -- all for a problem they created. We are basically waiting for one document -- a XX/XX/XXXX tax transcript from the IRS -- to finish the refinance. I have talked to the tax advocate office, but they say they ca n't speed up the process. We 're probably talking about 6 weeks at most, but NYCB is unwilling to give us that time. Instead they are requesting reams of more documentation so they can provide " mortgage assistance '' that we do n't even want. All we need is time to finish the refinance process.
I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.
I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!
I had a vehicle reposessed and immediately paid the outstanding amount. I was n't even aware that I was behind on my payments since they were set to " auto pay ''. To add to the problem I moved during that time and my mail did not get to me. It continues to be reported as a suit or judgement to all XXXX credit agencies and is demolishing my credit rating, as well as my ability to qualify for various jobs.
XXXX XXXX XXXX is reporting a charge off/foreclosure on my credit but it was never a charge off or foreclosure. I sold the house. They are reporting inaccurate.
Freedom Mortgage acquired my Mortgage from XXXX XXXX XX/XX/2015. I paid XX/XX/XXXX and XX/XX/XXXX payments in XXXX 2015 from their website. Beginning XXXX, I set up autopay for bi-weekly payments of {$1000.00} + additional {$50.00} in principle with each payment. 

Since XX/XX/XXXX, I started getting letters that I did n't make a payment. After number calls to resolve it with them, there was no resolution and they reported delinquency to XXXX and XXXX credit agencies. I disputed with both of them by providing bank statements but there was no action.
XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX To who it may concern ; i have several collection agencys named XXXX XXXX XXXX & MIDLAND FUNDING LLC. Please be advised that i am disputing these collections due to the fact that the collections agency ( XXXX XXXX XXXX & MIDLAND FUNDING LLC ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX & MIDLAND FUNDING LLC ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
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I have repeatedly disputed an account listed on my credit report as not being my account. I have submitted numerous requests to RS Clark for validation of the debt and have not received validation. This is a collection account for an apartment complex. I have never entered into a lease with this apartment complex and I have asked RS Clark to see a copy of the lease I allegedly signed. They have not been able to produce said lease in almost a year of communicating with them. In fact, RS Clark has recently closed this account because they recognize they can not validate it. However, the account needs to be removed and not just simply closed. Please remove the invalidated debt or I will have no choice but to file a complaint with the Federal Trade Commission. Thank you.