WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. 

This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. 

I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.
I was not enrolled in XXXX University. I was unable to receive financial aid because I was not enrolled. My account was placed into collections. I have paid half of the debt. My account was moved to another collection agency. I no longer intend to pay a school I was not enrolled in. I was not able to get financial aid or a student loan because I was not enrolled. The date was XXXX  2012. I also plan to put in a complaint with the Dept. of Education
1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.
I took out a credit card with Action Card a few years ago. Unfortunately, due to unemployment I fell on hard times and am unable to pay the bill of {$1000.00} until I 'm gainfully employed. I have been receiving several harassing calls from a  XXXX   XXXX   XXXX . This credit card is in my name only and this  XXXX   XXXX  somehow got a hold of my wife 's cell phone and now she is harassing my wife. My wife did not co-sign on this account nor was she ever a user. I 've asked   XXXX   XXXX   to stop calling my wife and she stated that she is a lawyer and that she can call anyone in my household. I also told   XXXX   XXXX   that I am unemployed and that as soon as I am employed again that I will make payment arrangements.  XXXX   XXXX  stated that unless I am living on  the street that she will do everything and anything to collect from me. I feel that she is being overly aggressive. I understand that bankruptcy might be an option but that will hinder our employability so we are trying to handle this as best as we can. Please help.
For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.
American express serve allowed an unauthorized charge on my account and refused to released the funds once merchant confirmed it was not them of XXXX XXXX force me agaisnt my will to sign a settlement agreement than allowed unauthorized charges pending on my account i extend to sue of this intentional tort and american express serve refusing to follow bank protrocal
There are numerous charge back and return fees on my credit card. I had let a friend use my amazon account but she paid with her credit card and now bc of differences between use she went to her bank and got a charge back on mutable purchases. And a check she wrote out to me in my bank account my credit and bank accounts are all messed up because of me trusting someone to much.
I sent documents to have the fraud alerts removed. Experian has ignored this. Its difficult to get customers service. Experians questions to verify identity are not relevant to me and incorrect.
I am not aware of the bankruptcy and want proof i want credit bureau to validate this aligation that was placed on my XXXX report and send proof to my home address
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, OH XXXX. Phone # XXXX XXXX XXXX. I have account with PNC Bank. Last three month, I am getting charge for {$3.00} each month for " check images in statement fee ''. This service I never authorized or signed up for. They signed me up without my consent. Now I have been calling them each month to take this service off and give me the credit, but they refuse to do that. This is a bad business practice. Please help me resolve this issue. 
Sincerely XXXX XXXX
Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment.
Equifax has me listed as being deceased. My husband passed away XX/XX/XXXX. We leased a car with XXXX XXXX in XX/XX/XXXX. I sent necessary documents in XX/XX/XXXX, to remove his name from the lease, ( death certificate ). The lease was up in XX/XX/XXXX. I turned the car in and am leasing another car with XXXX XXXX XXXX XXXX. It appears that XXXX XXXX listed me as deceased along with my husband inXX/XX/XXXX. I applied for a mortgage in XX/XX/XXXX with XXXX XXXX XXXX. XXXX XXXX attempted to get a credit score in XX/XX/XXXXt and was unable to do so because consumer was listed deceased. I filed a report immediately online with Equifax in XX/XX/XXXX. I received an email confirmation that the dispute had been settled and a printed copy dated XX/XX/XXXX. The printed copy stated consumer deceased instead of loan paid in full. I called again on XX/XX/XXXX and was told that I was still listed as deceased and it could take another 30 days before it was cleared. XXXX XXXX XXXX attempted 3 more times to obtain a credit score and were unable to do so. I can not get a mortgage without a credit score. I have also contacted XXXX XXXX XXXX XXXX the first week of XX/XX/XXXX asking them to contact Equifax explaining the error. The agent drafted a letter while I was talking with her. A copy of the letter was also supposed to be sent to me. I never received the letter so I have to assume it was also not sent to Equifax.
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!
On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.
I defaulted on my Navient loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. Navient has unreasonably refused to remove the negatives on my XXXX credit report.
There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX
On XX/XX/2018 and many prior dates Ive been getting Robo calls ( automated calls ) repeatedly that instructs me to callback with threats about incarceration for a debt that I do not owe. I have called back the numbers and told them to stop calling repeatedly.
best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX
A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.
I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG
As Per my last CFPB Complaint id no. : XXXX My mortgage co XXXX XXXX XXXX Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my Transunion credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like XXXX XXXX XXXX to correct the error with Transunion and have Transunion send me the updated copy of credit report with correction.
Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.
i am not able to log into my account online. If i enter a user id it says that it is used, but i can not get access from the system
I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!
XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX
To Consumer Financial Protection Bureau : On XX/XX/XXXX - I received the documents from my bank denying me of a Modification due that I make too much money, on this document they sent me I make {$7100.00} a month, which is in-corrected I make {$27.00} an hour which a month would be {$4300.00} before taxes are taken. ( {$3200.00} after taxes ) ( they have copies of my pay subs ) I applied for the Modification and was deny both times. 

I pay for Child care that come to {$1500.00} dollars a month. Plus cost of living. 
Credit cards are max. 

I have been on top of all of the paperwork and still they deny me an opportunity, I have been making my payments on time, but {$2600.00} Dollars a month is a lot of money for a single mother And grandmother to do on her owe. 

I bought at the end of 2008 when the market crashed and dont know how I was approved, for the loan to be honest with you. 

I have also applied for Keep your Home California for the principle Reduction. 

Please HELP ME with all this Modification loan. I need an affordable housing, me and the kids. a payment that I can make, with out going hungry. 

I know its a choice to take care of Grand-kids, but I couldnt see them go to Foster care and, Not knowing where they would be, or have someone XXXX ; XXXX ; or XXXX  them. 
the parents are in XXXX and in XXXX XXXX. 
Let me know what else I can do on my end. 
Thank you very much.
We have a mortgage with XXXXXXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX  will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXXXXXX XXXX that were were being reported to a credit agency.
my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway
It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX