WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, 4 years ago we bought our 1st home through FHA, late in life, I am XXXX my husband is XXXX and on XXXX due to a XXXX XXXX, We went through a loan modification with our 1st company OCWIN, we were approved for a permanent modification, they tacked on XXXX to the back of our mortgage which seems to be SOP, After paying the new rate for several months our mortgage was sold to XXXX XXXX XXXX ( ... this 2nd company refused to honor the modification and charged us XXXX XXXX dollars in escrow they said we owed, I cant understand that because we were current with all payments to OCWIN > Soon after we paid the XXXX they sold our mortgage to another company XXXX. ( this 3rd company also refuses to honor the commitment. <P/>I have been in contact with all these mortgage companies, i have all the relevant paperwork which has been sent to each company more than once. I have talked to their representatives several times by telephone. They dont even try to resolve the issue.. What happened to my escrow money? why is the XXXX still on the back of my loan and the permanent modification is not being honored? We are in severe financial hardship due to the reprehensible practices of these mortgage companies ... Thank you for your time and please help us sincerely XXXX and XXXX XXXX
My father died on XXXX XXXX, 2015 and left XXXX mortgages in only his name on his home that he lived in with my mother. There was no estate formed before he passed and as well the new York surrogates court is still taking a very long time to appoint myself and my mother as executors so that we can proceed to hopefully loan mod the home so my mother can stay there ( as she can not afford to move elsewhere and pay increased rent ). I have now gotten a foreclosure notice from ocwen ( since my mother has lost more than 50 % of her income and can not keep up with the mortgage payments without my fathers income ) - I have called ocwen SEVERAL times asking them to hold off on foreclosure or to work with my mother and myself on a loan mod ... .they refused and told me " its not their fault that my father died without giving authorization for ocwen to speak with me first ''. This type of treatment is a total outrage ... my father is DEAD and we are simply trying to make sure that my mother has a roof over her head, does n't have to sell off our memories, and do right be ocwen by working something out that she can afford. This type of treatment is totally unethical and I demand attention to this. We may not have letters of administration from the surrogates court for 2-6 months! how can we just let the home go into foreclosure if ocwen wont speak to us in the meantime?!?!?!?!!?!?!?!!?!?!?!!?!?!?!
sent money on money gram. ever time person went to pick it up they say money is not there. Every time I do this with this company it happens. This has happen on 5 different occasions.
I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both Equifax and XXXX list the same debt ( {$420.00} originally owed to XXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.
I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.
There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.
I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.
Transunion is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Transunion is violating provisions of the FDCPA by implying that the legal status of XXXX XXXX XXXX XXXX debts are collectible by reporting the alleged debts on my credit report. The exact statute is XXXX XXXX XXXX, ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Transunion does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Transunion may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Transunion is willfully and knowingly violating XXXX Colorado statutes by publishing defamatory and incorrect information.
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.
I was enrollednin university XXXX XXXX and had obtained grants and loans to pay for my college i became XXXX XXXX and the last grant installment due to me that the college git i never recieved. They wont take this account imoff my reports and is hurting me financially is on there more than once and i never withdrew from the college they withdrew me
I went to close a bank account with PNC. I went through the dialog on their online banking to close the account. I asked where the remaining amount of money in my account would be sent, and the representative said they would keep it as a " closing fee. '' The fee was not transparent and there was no warning. They are preying on working class Americans, and it is unacceptable.
I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.
I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages.

I was not sent a letter of Judgment, Affidavit of Service or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is not have I been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income.
The company Pressler and Pressler has been harassing me for a few years about a previous debt i owed over 5 years ago. they send mail to my house about collecting on the amount and recently they have been pressuring the issue of setting a judgment against me. included in the mail are docket numbers and index numbers they claim are filed with our local court. i have looked up these said numbers and nothing is to be found, i search my name in the court and civil clerks office and my name is to be seen no where in their files. i feel as if Pressler and Pressler are creating fraudulent documents in order to scare me and scam me for my money. none of the documents i receive acquire a judges signature for the actions taken against me i have never received a phone call from them, i have never been given a court date to defend myself against their so called actions, every few months they send the same documents in the mail stating their actions against me. i can not find anything against me in any court documents.
Currently on a landline and cell phone calling BBVA Compass. I 've already been on hold for over XXXX minutes and counting. It appears that this bank does not want to answer my question/concerns. I 'm currently out of footprint, and would have to drive XXXX hours to get my credit card issue handled. I 've used the call back option before, but the problem is they call back and give no information why they are calling back. How do I know this is n't XXXX of the many telemarketing callers I get. So when you do answer, it 's typically hours later while you 're doing something else and not thinking about the issue. Good luck trying to get a live person on the line. It is because of this that I rather wait to get my issue resolved. Very frustrating, and it comes across that the bank does n't want to take customer calls.
I have accounts that are over 10 years old that the credit company is still showing as bad credit.
I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.
XXXX XXXX XXXX  - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. 

When they called me at work, they would not tell me who they were, so I hung up on them and XXXX  the number. 

I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.
This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.
Hello, I would like to submit a complaint about a misleading promotion of rewards thru XXXX/Chase rapid rewards plus credit card. The promotion I signed up for thru XXXX XXXX ( applied on XX/XX/XXXX ) consisted of a sign in bonus of XXXX rapid rewards points, plus {$200.00} of credit statement after spending {$1000.00} in the first three months period. After fulfilling my part of the contract I checked my rewards and I only had XXXX points, so I decided to contact XXXX   on XX/XX/XXXX and ask about my missing rewards, XXXX channeled me to Chase ( XX/XX/XXXX ), which I initially contacted over the phone ( on XX/XX/XXXX ), I informed the agent ( XXXX ) about my concern and I was told that the promotion I signed up for did not exist and that I was enrolled under a signed up to a sign in bonus promotion of XXXX points, plus {$200.00} credit statement, which I had no knowledge off, and it was not even an option online when I signed up ( XX/XX/XXXX ). I sent physical proof ( thru email, XX/XX/XXXX ) ) from the XXXX rewards promotion that XXXX/Chase credit card had available, back when i signed up. But they are still denying their responsibility to redeem their part of the offer. Plus, they signed me up to a promotion that I was not even aware of, and I don't even know the details. They have high interest and annual fee, the XXXX reward point promotion ad enticed me, that was the reason I applied for this credit card.
The PNC mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to PNC Mortgage and medical and XXXX
In XXXX of XXXX, as an incoming college student, first of my siblings to pursue post-secondary education, growing up impoverished, under adverse financial circumstances, I sought a private XXXX XXXX college to seek a professional degree. Needless to say, I didn't have enough funds to pay for any percentage of my tuition. Through merit-based scholarships and federal student financial aid, I still lacked funds to enroll, so I turned to Sallie Mae for a private loan to pay for the expenses I encountered. From the firm, I was awarded with approximately {$6500.00} from Sallie Mae in the Fall of XXXX. After successfully completing my college, becoming a full-time employee, specializing in the work related to my degree, I sought to return for an advanced, XXXX XXXX XXXX, between Spring XXXX XXXX. Although I applied for the deferment of my federal and private loans, I was not given options or sufficient information regarding the repayment of my loan, held by Navient, formerly Sallie Mae. I was betrayed by a firm that pressured me to increase the amount of my repayments.I was deceived by not receiving sufficient contact from Navient, regarding my outstanding balance, in order to inform my repayment options. Since the inception of the loan, I have seen my principal balance double in amount and through consistent, consecutive payments, have just recently reduced this principal to its original amount. Most deceptive is the obscure information provided to me, according to the monthly statements I have received from the firm, indicating that never was there a " minimum payment '' due to Navient, giving me a false sense of security, as I hoped to maintain lower payments. Finally, I am frustrated that I am not afforded with enough transparency, on behalf of Navient, to thoroughly investigate the allocation and distribution of the funds I have provided to repay the loan, in a timely manner.
on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.