WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX
I have an incorrect collection showing on my credit report with the original creditor being XXXX, but reporting as Pinnacle LLC. The original account was supposedly opened in XX/XX/XXXX, and was recorded as delinquent. I disputed the account because it did not belong to me and thought the matter had been resolved. Unfortunately, the account has come back and Pinnacle LLC is showing delinquent with a date of XX/XX/XXXX, pushing the old account forward XXXX Years from the original account date. This is not, nor has this ever been my account and I would like it removed from all of the reporting bureaus.
I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.
First, this is not a live-or-die matter.     I have a mortgage  with Ocwen Financial. I have  always paid on time.   The specific matter here is a payment they say was received on  XXXX  ( a Mond ay ).   XXXX   XXXX   XXXX  , which sent the payment via my online bill payment account, says it was received on  XXXX  ( a Fr iday ). The { $98.00} penalty   Ocwen assessed itself is not a " federal case '' and is hardly with bothering you. I took pains to ensure the payment would arrive before a penalty was assessed, though. What I did want to do is weigh in on Ocwen and my overall experience with them.
I inherited Ocwen when my loan was sold to them, without my approval, obviously. My only experiences with them have had to do with an inquiry about refinancing at a more current rate ( at the time, they were of no help - now they are pushing refinancing ). They got my inquiry so screwed up, misunderstanding that I was only asking so that I might lower my monthly payment. They interpreted the request as my being in financial trouble and I kept getting remediation packets - six in total! - after I had disabused the  m of that idea when I first spoke to them. After weeks of calls and mailings, they finally relented. My conclusion : these people are really, really stupid.      Re : my current issue and their alleging I paid them a day late. I called my " customer service representative ( which is what Ocwen calls anyone who answers the phone ). He was an outsourced person ( which is OK by me, as long as they are qualified to be of help ). It turns out, not surprisingly, that he was incapable of doing anything but reading a script. Ocwen gives its customer-contact people absolutely no authority to mitigate, ameliorate or otherwise help whatsoever. Ocwen ma kes  XXXX   XXXX  look like emissaries of  XXXX   XXXX .     Anyway, of all the mortgage companies and servicing firms I have experienced in my 40 years as a mortgagee, I have never experienced the rank incompetence and unhelpfulne ss of Ocwen. Ever . I have held this in until now, but reading about their downgrading by  XXXX  and  XXXX   XXXX , I was prompted to speak out.
I paid XXXX Servicing, {$100.00} for an appraisal in XX/XX/XXXX, for a PMI removal, my loan was then transferred to Select Portfolio Servicing, in XX/XX/XXXX, I have been trying remove PMI since XX/XX/XXXX with SPS, however SPS is requesting I pay for another appraisal, I already paid XXXX an appraisal, I do n't under why I have to pay for another XXXX. I sent in proof that I paid for an appraisal.
I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. 

When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. 

Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. 

I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.
On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. 
They told me, it was a account that was canceled by the government. 
But it is on my credit score, and it is hurting my credit score. 
Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
Throughout the week of XX/XX/2018, I placed multiple calls to XXXX to try to determine what loan numbers linked accurately to the XXXX account numbers. I spoke with XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, # XXXX and XXXX # XXXX. I received conflicting information on multiple calls as to which loans associated with which name and account number. This transfer has been extremely difficult from a consumers perspective when customer service can not accurately assist in locating payment or relay the correct information. 

After calling XXXX on XX/XX/2018 they informed me that they are no longer forwarding payments to XXXX and will not forward the XXXX and XXXX payments we made to XXXX. Additionally they can not provide information as to when they will refund our monies. In good faith we paid the past due payments to XXXX on XX/XX/2018 making duplicate payments for XXXX and XXXX. 

Furthermore, MEFA continues to not credit my account after I have paid. This is ridiculous. 

I'm in the process of trying to buy a house and this is killing my credit. I'm not sure if they are just completely incompetent or trying to steal my money. I should have to call them every month to help them find the money I paid them.
XXXX XXXX card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Centric Asset Management Inc has continued to contact me at my place of employment as well as my cell and my wife cell. We have writte letters requesting they stop as well as asking for debt validation letters. They have refused to stop calling and told my wife today they 'd just show up at my place of employment. XXXX XXXX is who called both myself and my wife today, my wife requested they send us a debt validation letter via USPS, XXXX XXXX stated that she 'd just show up at my place of employment to serve me with court docs. I do not believe this a valid debt and if it is it was not taken out by myself nor my wife.
On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.
Hello, I am asking for some assistance regarding the property next to my primary residence. It is currently abandoned. My wife and I assisted the XXXX elderly XXXX american residents for the past XXXX years. Both recently passed. Upon their passing we learned that they had acquired a reverse mortgage from Champion Mortgage. As I understand it upon passing of the last resident the total amount of the mortgage is due. According to public documents my neighbors prepared a beneficiary deed naming XXXX women. Both are apparently unable to payoff the mortgage and have not been seen since the passing of our neighbors. I have been taking care of the property because the mortgage company shows no interest in upkeep. Repeated calls to Champion mortgage go unanswered. I am interested in finding out what is going on with this property since bills and delinquent notices are piling up on the front porch. This has been going on for more than XXXX months.
I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.
I am writing to request an accurate and timely reporting of my reinstatement to be delivered to the Keep Your Home California ( KYHC ) program team. 

I became aware on Friday XX/XX/XXXX that the KYHC team is struggling to create an affordable payment for me through their program ( which would help me to save my home ) because the Servicers Worksheet provided to KYHC by Shellpoint in late XX/XX/XXXX shows a total due to bring current upward of $ XXXX. I have not missed a payment since XX/XX/XXXX but SHELLPOINT HAS BEEN REFUNDING MY MORTGAGE PAYMENTS, accumulating a much higher reinstatement amount than originally proposed. 

I contend that the reinstatement amount is {$54000.00}. Here is the evidence : XX/XX/XXXX Mortgage Statement shows Reinstatement Amount {$54000.00}. Again, I have not missed a single mortgage payment since XX/XX/XXXX. 
The following mortgage payments I made were delivered to Shellpoint and electronically re-deposited to my checking account without my permission. 
XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX XX/XX/XXXX NOTICE OF DEFAULT AND INTENT TO ACCELERATE reinstatement amount {$54000.00} ( {$250.00} of interest since XX/XX/XXXX on payments that I DID make? ) XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX Additionally, Shellpoint delayed my eligibility for KYHC for one month. 
I was accepted to the KYHC program on XX/XX/XXXX and shared that information with the Shellpoint Loss Mitigation Team and with XXXX XXXX, my contact at Shellpoint, before XX/XX/XXXX, the deadline for my appeal for a loan modification denial. 
By XX/XX/XXXX I learned that KYHC was just waiting for a Servicers Worksheet from Shellpoint ( I was assured by KYHC that my responsibilities to provide documentation to KYHC were complete and there was nothing more I could do to further my application. ) During the week of XX/XX/XXXX, I learned that KYHC still had not received a Servicers Worksheet from Shellpoint, further delaying my eligibility.

When I became aware in XX/XX/XXXX that Shellpoint was refunding my payments, I spoke to XXXX XXXX, the representative assigned to me. She explained that Shellpoint would continue to refund the payments. I spoke to the bank manager at XXXX XXXX XXXX XXXX and she assured me that she could not stop Shellpoint from refunding my mortgage payments. So, I stopped making payments starting in XXXX since I was assured they would be electronically refunded to my account. 

Given that I was accepted to the KYHC program on XX/XX/XXXX, I assumed that the various teams would support me in a timely manner and accept my mortgage payments. To continue supporting me to keep my home, the XXXX I have owned and lived in since XXXX, I request that 1 ) Shellpoint accept my mortgage payments for XXXX through XX/XX/XXXX, which I can mail right away. 2 )  Communicate the appropriate reinstatement amount to KYHC, {$54000.00}.

Given that a Notice of Default was recorded with the County on XX/XX/XXXX, this is an urgent matter. I am certain that the Shellpoint team and KYHC want to avoid foreclosure and work together to help me keep my home.
My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.
Ally Financial is reporting an account on my credit report that is inaccurate and inconsistent. The late payments are not correct and different across all three credit reports. I disputed it and they verified it and you can even tell with the attached screen shot, that they said account information disputed by consumer and meets FCRA requirements. But how can it be accurate when just for example, they are reporting me 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX with XXXX and XXXX, but on XXXX they are reporting me 30 days late on XXXX XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX. This is a violation of the FCRA and not in compliant with METRO 2 guidelines.
Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney.
Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.
The reason I am complaining against sage stream is because I have on several occasions requested for my file to be frozen and they have not frozen my file or responded to my request. I need my file frozen.
XXXX/XXXX/EQUIFAX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/XXXX/EQUIFAX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. XXXX/XXXX/EQUIFAX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
I have asked this company on several occasions to provide any and all documentation of the debt that they think I owe and they have not done so. They simply say i owe the debt they need to provide a chain of documents linking me to the debt and verify that it is indeed a valid debt.
My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.
I Called To Get More Information On A Debt Through XXXX XXXX. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
I have a Public Record entry on my credit profile that I feel is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law, so why am I penalized for something that was never completed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. They claim that the information has been VERIFIED as being accurate, but VERIFIED by whom? I have a RIGHT BY LAW to the information. The Credit Bureau system is holding my identity and credit under " Consumer Lock '' for 10 years. This discrepancy has prevented me in my personal life 's pursuit. I am submitting this complaint to request that the CFPB advocate for me in this challenge.
Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.
My loan was for about {$30000.00} for XXXX school but the school went out of service about 10 years ago. I defaulted in XX/XX/XXXX after dropping out. In XX/XX/XXXX, my wages started to be garnished and had been garnished for the past 14 years and still paying. I had paid over {$50000.00}, since then, and still paying with balance of {$12000.00} left. Of the {$50000.00} paid, {$18000.00} has gone to the collection agency as collection cost. This is unbelievable since there is no end in sight. This means that the {$30000.00} loan is going to cost me {$60000.00}. Is this legal? Please help since my wages are still being garnished.