WillisBack/dataset-financial-user-claim huggingface dataset:
My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings?
I disputer this collection, because this was not submitted to them sooner. 
XXXX the company they claim I owe the debt to. XXXX have not notify me of any debt.
I received a 'Notice of Rights to Cancel PMI ' from my mortgage company. I emailed them on XX/XX/XXXX to dispute that they told me I was not eligible when I called. Their reasoning on the phone was that my loan was not old enough and would need to pay to get an appraisal, however my broker said since I have invoices of work completed on my house to backup the increase of value when I had an appraisal done at refinance in XXXX that I should qualify to have it removed without needing appraisal. At the time of my call my mortgage balance was XXXX % of the scheduled value- and the letter states that once it reaches XXXX % if should automatically terminate. I emailed Freedom Mortgage copies of the contract for improvements completed in XX/XX/XXXX, a copy of the refinance appraisal from XX/XX/XXXX, and a copy of PMI rules sent to me by my broker showing that since I made improvements I should not need a new appraisal to be eligible to have PMI removed. I received a letter dated XX/XX/XXXX that I would receive a response within XXXX business days but still have not received any response.
I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. 
If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.
I receiv  ed a letter from Ocwen Loan Servicing LLC stating they charged me {$66.00} for inspection fees.
OCWEN   has failed to properly service my loan from the time they took over servicing from  XXXX  in  XXXX   2013 . From da  y ONE they have had problems and have failed to acknowledge the errors in a timely manner.
They have falsely applied charges to my account and have not properly adjusted the balance once the errors were reported.
I called them many times and explain to them base on my Original Note, the only time Ocwen can charge me inspection fee is if I defaulted on the loan. ( Please see attach document item 14 page 13 ). It states : 14.Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrowers default, for the purpose of protecting Lenders interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then : ( a ) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( b ) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge ( whether or not a prepayment charge is provided for under the Note ). Borrowers acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might   have arising out of such overcharge I asked them many times if I ever default on my loan? They answered no so in that case they do not have any right to charge me inspection fees.   I called  XXXX   XXXX  at  XXXX  twice and left a message.
This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
I have a a unverified account from I C Systems Collections #  XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that I C Systems Collections #   XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.
I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.
This complaint is regarding a debt of which I XXXX XXXX advised the company XXXX XXXX XXXX XXXX XXXX. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave XXXX permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from XXXX In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving XXXX permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that XXXX " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by XXXX prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security  protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Report # XXXX states an incorrect social security number ending in XXXX and remove telephone numbers XXXX and XXXX and incorrect name XXXX XXXX XXXX. My name does not carry middle initial.
I seen there was hard inquiries on account there is open accounts I have they were on there then the next month they took it off its a good account in good standings and still being paid on contacted by phone letters and email and called they did nothing they said there is nothing I nore the CFPB can do about it. all my letters returned all complaints automated response to the CFPB. they refuse to fix hard inquiries when the contact information for contacting the company 's go to a company that is not the reporting company the reporting agency refuse to fix the problem, They give companies I have aplyed for credit 3 different credit scores they got from Experian ranging from 508 to 641 so they have been giving fraud information to FICO as well. I cant have below a 600 with no bad credit and great pay history reported like 4 XXXX XXXX records reported over 2 months 3 poaid off now gone and XXXX XXXX was removed was there but now gone as good credit on all of them. 
Then 3 XXXX XXXX good reports have been removed that I have only had good reports with XXXX, over the lat 3 months and now is gone some one in  the Experian has been messing with my report.
I have been paying my mortgage payments to    XXXX   XXXX   XXXX   XXXX    on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '',  XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX  ''. Their new statement says that I owe {$61.00}  (  Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from   XXXX   XXXX   and   XXXX   XXXX     I paid {$2300.00} on  XX/XX/XXXX  but due to some reason they have no record of receiving the    XXXX   XXXX    payment. I talked the agent and paid  XXXX  ( wire transfer ) and got the confirmation #  XXXX  that my account is clear. I paid on  XXXX  and  XXXX  and  XXXX  on time.   THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.
Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.
An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.
On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.
I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.
To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
Equifax mishandled my personal, sensitive information, and now I have been identified as potentially at risk, due to a security breach. 

This is a very real, potentially life-changing issue, and I want to know how equifax will be held responsible to fix it.
Diversified Consultant is a 3rd party collection company for XXXX. This company has been trying to collect debt for over 5 years. This debt has been removed and added to my credit report for years. I have requested the collection company and credits Bureaus for contract with signature and company has failed to do so in numerous times of requesting. I do not want a front of one page falsified statement from them which that have done. My credit report states opened in 2016? I have have XXXX since 2014. The company has not responded to my request and again this has been for years. Thank you for your help. Here is information:DIVERSIFIED CONSULTANT473679XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXXor XXXX XXXX XXXXXXXX, FL XXXX
I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is XXXX
Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.
Account XXXX was placed with a law firm. I settled this matter XXXX weeks ago for XXXX and SunTrust still showing balance is owed. Balance needs to show settled!