WillisBack/dataset-financial-user-claim huggingface dataset:
To keep property from foreclosure we made a payment of {$9300.00} on XXXX XXXX, XXXX. I have made the mortgage payment every single month since then. Ocwen says that there were additional fees after we paid the {$9300.00} of {$970.00}. I dispute that because they would not even accept the cashiers check unless it was for the FULL amount due. However, even if you count the {$970.00} and the 2 1/2 weeks insurance they say we owe from XXXX XXXX - XXXX XXXX, XXXX it still would NOT come out to {$5000.00} that they say is owed now. 

HOW CAN THEY TAKE MY MORTGAGE PAYMENT AND APPLY IT TO THEIR BOGUS CHARGES? 

I HAVE NEVER MISSED A PAYMENT SINCE XXXX XXXX They have ridiculous fees like " Property Inspection Fees '' do they come out and inspect the property? NO they do n't. And Certified mail.. really? They show that they send these out every two weeks ... .and charge a lot for them. I do n't get those. " Title Search '' for {$520.00}, Why would they do this? I am not buying the property again or refinancing it. And endless other needless fees and charges ... endless.. 
They did not accept my Insurance Agents faxes that she sent 3 different times even though we called and got the phone number to send it to. We had no way of proving that she sent them even though she did. It took months to get them to acknowledge that we had insurance and in the meantime they charged us for the insurance and additional fees. 
So, because they applied my mortgage payments to their padded fees and taxes, the record shows that I am 2 months behind in my mortgage payments when I have NEVER missed a payment since XXXX. 
In reality, the only thing that I possibly owe for is the {$970.00} of fees that came in after the XXXX XXXX payment. All the rest is their charges and fees that they have scammed me with. I called and tried to settle this many times, and was so frustrated that almost had a nervous breakdown. Then I just had to let it go until I could handle it. Seriously, dealing with people from XXXX who I CAN NOT UNDERSTAND WHAT THEY ARE SAYING and they can not possibly even begin to understand what I am talking about or relate to me in any way. Never speaking to the same person and not being able to have an extension to talk to the same person. Not being able to talk to someone here in the US. AND TELLING THE SAME STORY OVER AND OVER AND AND OVER AND OVER AGAIN until you give up. It 's a form of mental abuse. MENTAL ABUSE. Endless XXXX. 
I want resolution. I do not owe all the endless fees and charges. I had home owners insurance and if they do n't accept my proof, it is not my fault. They are the best scam artists in the world .... claiming not to get the faxes or phone calls. 
I paid my mortgage every month. I paid for homeowners insurance. They need to credit me for all their charges. Not even to mention that they turn me in every month to the credit bureau for something that is false. I am not behind in my mortgage payments or insurance. PLEASE RESOLVE THIS. Thank-you.
Back on XX/XX/2015, I had my credit filed pulled from all XXXX credit bureaus on my XXXX birthday. It was discovered there was a XXXX account that was in serious delinquency status. I did not have a credit card, I immediately called XXXX and after fight with them got them to give me more information. This card was register to a XXXX XXXX, not to me. They said I was added as a authorized user for this card, but I never consented to such thing. They also stated even if I was it should n't be reported as your not financial responsible for the debt, I was removed as a authorized user on the card, I filled disputes with all XXXX credit agencies XXXX, Equifax and XXXX. XXXX and XXXX removed it from my credit card my very first dispute. Equifax no that the account belonged to me, I called Equifax and they advised I needed to have a letter from XXXX. I called XXXX back and requested a letter from them to have this removed. The gave me letter ( which was against their policy ) in which I submitted with my 2nd dispute. This dispute came back the same thing, I called XXXX they offered to do a conference call but Equifax declined and disconnected call, per XXXX they sent me their terms and agreements for the Authorized user cards and Fraud accounts to help with my Dispute. I disputed it again with this information and with the letter and got the SAME outcome. I filled another dispute immediately and this time included a statement letter with what I experiencing with them and not with anyone else. After the investigation I FINALLY got it to the " association terminated '' status. I was n't at all happy with this I had no fight left to file another dispute I left it at that I felt like I had no choice. I could n't use ANYONE that reported with Equifax for lender decisions, when I applied for a car loan and was denied I finally asked what is it that I was denied for. They specifically stated, " there was something for XXXX on their. '' I told them it should say association terminated, they said it did n't. So, I pulled my report for all XXXX once again, XXXX and XXXX are still not reporting but sure enough Equifax was reporting this as a CHARGEDOFF credit card, I disputed it immediately and got a different response The following disputed account or inquiry is currently not reporting on your Equifax credit file : unknown when I called they Equifax they said it was denied because it was mine. It was not removed STILL I was confused and frustrated and hung up I called them again and called XXXX did a silent Conference call, letting XXXX listen to what Equifax was saying, I revealed that I had XXXX on the Line and the rep stated everything I did throughout all my disputes. And asked what I needed they want something in a " emessage '' requesting to have the item removed. They do not have such a thing, as soon as the conference call started Equifax ended it. And here I am as a last resort to get this handled. I was XXXX when I was added to that card without my permission, disputed it at XXXX and now at almost XXXX I am going on 3 years with no resolve I am stuck.
I have received communications from Resurgent Capital Services about a debt I know nothing about.

I have 2 letters all dated on the same date of XX/XX/2018.

1. Reference ID # XXXX in the amount of $XXXX
2. Reference ID # XXXX in the amount of $XXXX

I have a XXXX credit card currently and it is in good standing. 
I don't have an account with XXXX ending in XXXX.

I have zero clue what this is but I have been a victim of identity theft in the past.

I have written to the company disputing the debt but have not had any communication on validation of this debt in any form. 

I have sent letters to this company in the past and then they go quiet. Then a year or so later this resurfaces again with another attempt to collect something they can't prove is mine.

I just have a letter telling me to pay it without any information except some made up numbers.

Thank you
XXXX
XXXX XXXX XXXX purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. XXXX XXXX XXXX XXXX tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of Gamache and Myers ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( XXXX ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own XXXX or XXXX XXXX any money as I have not signed any paperwork with them or purchased any goods or services from them.
I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.
The bailiff threw me out of XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2015. I lost everthing. I had to stay in hotels. I WAS DISPLACED. THAT MEANS I WAS CONFUSED AND DISORIENTED. 
Since then I have been working on my credit. 
I wish XXXX XXXX would let me pay off Account # XXXX. 
Because i need my credit score to increase to improve my lifestyle. 
Please assist me.
We have had a checking account wi  th BB & T since 2015. We have a direct deposit monthly into the account from salary. Ever since then we have had numerous overdraft charges and fees over the last several months.
The most recent charges are being described below because the bank has refused to provide any recompense, amendments or assistance to prevent this from happening.
We were charged {$180.00} in overdraft last month and another {$390.00} this month. Overdrafts were charged for purchases when there was enough money to cover those items at the time. When we enquired about this, the bank said that there 's nothing they can do and that because the transaction went through at a later date there was n't enough money in the bank and we were charged overdraft. However, this was not evident in my account statement online. They said the only way for me to keep track was to write every item that I bought down and deduct it from my account.
This bank and its employees showed no care or effort in addressing the issue or customers. We are really hoping this could be resolved and get refund back for these we were wrongfully charged for by BB & T bank.
My mother ( who does not live with me and her phone # is not on my account ) keeps receiving phone calls saying they are from Macy 's and my account is past due. The # they gave to call back is XXXX. I called and they wanted my name, account # social security # and a debit card to pay my " past due '' bill. I gave them nothing, and told them I was looking at my bank statement and $ WAS debited out of my checking and I was not late. I called Macy 's directly. This # is NOT associated with Macy 's. I was told they 've had several complaints associated with this #. There are also several complaints on the internet about this #. They are not from Macy 's.
I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not validate nor prove that I am obligated to pay them anything.
I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.
I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.
We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.
On XX/XX/2010 I closed on a house for me and my children. The property should never have closed in it 's condition. The broker acted in concert with the realtor to close the loan on a house that is almost uninhabitable. The condition of the property was grossly misrepresented by all parties involved. Because of their deceptive business practices our finances have been in ruin.
This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, XXXX. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
I have called Honda Financial in XX/XX/XXXX because Late payments is reporting on my credit, I dispute the negative items and they came off a month later. this account I am No longer financially responsible for this account & im also a victim of identity theft. And Again on XX/XX/2018 I check my credit again through XXXX XXXX & Honda financial is now again reporting negative items to XXXX & XXXX, ruining my credit status once again.
I was contacted by synchrony bank concerning  a TJMAX credit c ard that was due, They agreed to remove all account information for my credit report once the check was cashed. On  XXXX / XXXX /   2016  the check was cashed I have called on several occasions to have the acct removed to no avail.
Hello, I 'm contacting the CFPB because I 've been reading about the current lawsuits on Navient and whether or not it affects me in some way. 

I went to college around early XXXX and finished in XXXX. My first loans were three private loans ( or Signature Student loans ), which at the time all I knew was I did  n't need my parents to sign for them. At the start they added up to around {$20000.00}, and they are now about {$24000.00} due to past late payments and interest adding onto it. Any other loans I got after that were federal, which are now covered via IBR. 

Currently I am part of Naviant 's Rate Reduction program, but this was only given to me AFTER I was behind a few months worth of payments. They did n't tell me about this program until I was left with no other choose but to moved back in with my parents because I would n't afford rent and loan payments at the same time. When I asked why they did n't tell me about this before and saved me the headache and tears, all I got was 'some people in Navient just do n't want to do their job ', or something to that degree. This was in mid XXXX when I finally was able to start paying on those loans again ; {$190.00} every month. Before my payments were double that, not counting the interest. I believe Navient failed to inform me about this program, which lead to increase XXXX and XXXX. 

Before any of this, I had made payments to Navient in advance on my private loan, up to a year 's worth. This was back when Navient was known as XXXX XXXX. I do n't know what happened, but when XXXX XXXX become Navient, all the records on those advance payments I made were gone. I checked my account and I could n't find any records on them, which were there before the change. I called them ; they claimed there was nothing on their end. This is what caused me to move out of my apartment, back to my parents, and endure phone calls demanding money I did n't have for the next few months. That was when I was finally offered the Rate Reduction program. 

The more I thought about it, the more it felt like I 've been XXXX by Navient into paying even more on my private loans. I 'm also beginning to wonder if the nature of my private loans are even legit. I would love to have someone help me with this, if they could.