WillisBack/dataset-financial-user-claim huggingface dataset:
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered application Modification I sent the application back and THEY RECEIVED THE PAYMENTS I WAS TOLD, but after that, they started to refusing payment, my credit is getting very bad and when I called last time after several timer per week and i Got    XXXX    out, finally, this person told me that this bank will take my home and i have nothing to do, I told him thaT I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't recommend me to fight because any ways I have everything to loose.  Im  very DEPRESS and I do n't know if I should keep living or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME.   NOW IS THE THIRD TIME THEY AGAIN SEND ME APPLICATION AND I NEED TO KNOW IF THIS TIME  3TH  IS GOING SERIOUS BECAUSE I 'M VERY FRUSTRATED, EVERY TIME THEY SEND ME APPLICATION FOR LOAN MODIFICATION, THEY IGNORE MY APPLICATION WHEN I RETURN IT AND THAN THEY MAKE UP HISTORIES JUST TO GIVE ME HARD TIME AND SAID THAT THEY DO N'T RECEIVE SOME PAPERS THAT I FAX, MAIL AND EVEN E-MAIL TO THEM I REALLY NEED HELP AND ASK THEM TO TAKE MY TIME AND CONVERSATIONS WITH THEM IN SERIOUS BECAUSE THEY TOLD ME ONE THING AND THEY DO OTHER VERY DIFFERENT
My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank you
XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg.

I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.
I have submitted a letter dated XXXX/XXXX/2016 from XXXX XXXX Bank. They state in the letter that on XXXX XXXX that they had removed foreclosure started from my credit report.They state on XXXX/XXXX/2016 they notified Trans Union Credit Company to remove this on-going report.They apologized for the inconvenience. The letter was signed by XXXX XXXX EXECUTIVE RESOLUTION SPECIALIST XXXX XXXX. She is available Mon, Tues, Thurs, Friday XXXX-XXXX Central time. She is the only person dealing with this. Document/Verification is at CFPB
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE  XXXX / XXXX /  XXXX  . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A  XXXX   XXXX  LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY  XXXX / XXXX /  XXXX   AND WAS INFORMED THAT AS OF  XXXX / XXXX /  XXXX   A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF  XXXX / XXXX /  XXXX   WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE  XXXX / XXXX /  XXXX  . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE  XXXX  AND  XXXX  DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.
I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security  XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil
I inquired about a loan for $  XXXX  and was told the minimum loan was $  XXXX .  One Main does a dvertise $  XXXX  and up and then demands that a $  XXXX  loan is the minimum.   I was pushed to take a loan for $  XXXX  to include my current car loan, which I did not want. The result was that I was rejected for the $  XXXX  loan that I never requested and was quoted 35 % for the  XXXX  loan which I rejected.   I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $  XXXX  loan which I rejected. This is predatory lending.
XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.
This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX,  however when I did a search for myself I found it.
I lived in an apartment in NJ and the thermostat was not working properly. We requested on several occasions for someone to fix because our electric bill was running around {$800.00} due to the ancient equipment. They refused to do any type of maintenance which would have been covered under the lease so we had no choice but to give a written 45 days notice. We knew they were going to keep our security deposit. Some time later we received a statement indicating we owed money for things that were needing fixed that were not true. We do not owe anything to this company and I have been disputing this for some time now.
Public record of tax lein on my credit report from ex husband is cleared and still on my credit report.
Yes, On XX/XX/XXXX, I sent a certified letter requesting a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C 2605 ( e ) to : U.S. BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This is the address I was told to send my request. It has been more than 5 days and I have not received an Acknowledgement of my request for the Qualified Written Request. 

I have attached a copy of the letter that was sent to them and the receipt from the post office that they signed for the letter. 

I have also attached a copy of the Securitization Analysis Report dated XX/XX/XXXX. Please note that this is the 2nd time I have requested this information from US Bank and they have not complied. Thank you for your time and consideration. 

I have also attached a document that they used in Bankruptcy court that I did not sign. I would like for them to send me proof of evidence that I was actually in XXXX XXXX County in XX/XX/XXXX. I did not sign this document. This is Fraud.
XXXX, Trans Union and XXXX are reporting a credit agency XXXX XXXX XXXX. on my credit report illegally, the is closed and is over 7 years old. Per the law negative and closed accounts only remain on a credit for 7 years. I have tried to dispute this item, but the item continues to be reported on my credit report and no explanation as to why.
On XX/XX/XXXX an account that I had with my credit union was paid in full.

Prior to this the account had been closed and when I was made aware of an outstanding balance I paid it immediately.

I thought this matter was resolved until 2 years later I got an alert from my credit monitoring telling me that this account had been placed as a Charge off with a date of XX/XX/XXXX.

I have reached out to the credit union to help me resolve this issue but so far all they have done is provide me with a letter showing the account was paid in full but they have failed to correct my credit report.

I have also reached out to the credit bureaus in hopes of assistance but I always get the same answer after their investigation and that is that XXXX does not provide them with the proper documentation to remove this item, this is despite the fact that I have provided them with a letter from the credit union stating that the account was paid in full back inXX/XX/XXXX
home was purchased in XX/XX/XXXXwith a loan ( {$220000.00} ) amount of 95 % ( {$230000.00} ) of what the home was worth. In XX/XX/XXXX the home was assessed by the city to be worth {$320000.00} ; I called the bank to ask for the removal of the private mortgage insurance and was told that it was not possible. They stated that I could not have an independent appraisal and that I needed to pay them to have the home appraised and even if the appraisal came back to be the {$300000.00} that would not guarantee the removal of the PMI. When I asked what was the automated assigned valve that they assessed to my property ; the bank refused to give me a value. Though in XX/XX/XXXX the property was assessed at {$330000.00} and XX/XX/XXXX {$340000.00} ; the bank has consistently maintained over the past 3 years that regardless of what the assessed value of the property is, that will not determine the elimination of PMI. I have been asking for the past 3 years to have the PMI removed based on the value of the home and the bank has refused to give me a definitive answer as to when this will happen though my loan is currently less than 70 % of the home value. <P/>In XX/XX/XXXX my monthly payment was {$1700.00}. As of XX/XX/XXXX my payment was increased to {$2000.00} without any explanation though my insurance was only increased by only {$65.00} annually and taxes between XX/XX/XXXX and XX/XX/XXXXwas only increased {$90.00} annually. My monthly payment on a 30 year fixed rate mortgage has increased {$250.00} per month without any justification or explanation. <P/>In XX/XX/XXXX I was told by the bank that my escrow account was short {$1000.00} and I needed to pay that amount to avoid an increase in my monthly payment.This amount was paid in XX/XX/XXXX to Severus but my payment was still increased. I have not received any explanation of where the money went and was not issued a credit towards the following month or a refund.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent that resulted in an inquiry on his XXXX  credit XX/XX/2018. An official dispute of this application was mailed certified with return receipt to Capital One XX/XX/2018 however as of this date Capital One has failed to send a reply or an update concerning or even clearing this issue as fraudulent. This action is a violation of my clients federal consumer rights under the FCRA.
In attempt to take advantage of HARP i 've been attempting to get my home refinanced. My existing mortage holder ( Seterus ) has done everything to put up obstacles to prevent me from doing such. The latest is for my Loan Payoff, submitted my first request through my new mortgage provider ( XXXX ) on XXXX/XXXX/2015 and we still have not received the payoff that we requested and at least 3 other attempts have been made for figures. My closing was set for Friday, XXXX XXXX, 2015.
In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. 

The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. 

There is and was only XXXX ACCOUNT with the original creditor. 

CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Wells Fargo Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
XXXX, On XXXX/XXXX/XXXX you made this statement " The Bank implemented a system enhancement effective XXXX XXXX, XXXX that allows customers to make early payments and, if also enrolled in automatic payments, the automatic payment plan would still debit the scheduled payment amount due on the due date. '' You explained this was why on XXXX XXXX, XXXX the automatic payment plan debited {$570.00} after I had already initiated an online payment in the amount of {$600.00} on XXXX XXXX, XXXX. Enclosure ( XXXX and XXXX ) If the Bank implemented this system enhancement effective XXXX XXXX, XXXX, Please explain why the automatic payment plan only debited the following amounts on these dates : ( XXXX/XXXX/XXXX - {$470.00} ), ( XXXX/XXXX/XXXX - {$420.00} ), ( XXXX/XXXX/XXXX - {$550.00} )? According to your explanation the automatic payment plan should have debited the regular scheduled payment amount of {$570.00} on these dates and posted the difference to the late fee balance. If a late fee balance existed. Enclosure ( Mortgage Transaction History ) If there is a late fee balance due of {$27.00} on XXXX/XXXX/XXXX why did the automatic payment plan only debit {$540.00}? According to bank policy the automatic payment plan should have debited up to {$570.00} to satisfy account for the month. 
On XXXX/XXXX/XXXX why did the automatic payment plan only debit {$480.00}? Should n't the automatic payment plan have debited {$570.00} and posted {$90.00} to late fee balance to satisfy account for the month, if there is a late fee balance owed? 
It looks like all of these late fee 's in question were back dated to my account after the local Bank manager XXXX XXXX retired. This is why i believe autopay did not debit late fee 's on the dates in question.. 
Please explain the late fee debit of {$170.00} on XXXX/XXXX/XXXX {$600.00} payment when all other late fee debit 's are {$22.00} on a {$600.00} payment with the exception onXXXX when {$22.00} was debited 3 times equaling {$68.00}? 
Please provide a " complete '' detailed transaction history showing " all transactions '' that includes everything pertaining to loan account including " all late fee accounting with a running balance '' and then a detailed explanation of why payments were debited for an amount less than scheduled payment amount of {$570.00}, when a late fee balance existed on that date. 
Please explain why I have no access to any monthly or yearly statements on this loan account? I have been signed up to " online statements '' since XXXX XXXX but the only statements made available to me online is my checking Acct. I have never received any documents mail or online on this account. Only history I have ever received from BOW is the XXXX transaction history 's through the CFPB Site that do not match. I have never once been provided a statement telling me any acct payment is late. I have documented every page many times showing what is made available online to me for every year of loan. Only statements on Acct at BOW site is my checking Acct. 
Thank you in advance for acknowledging and making corrections requested. 
Sincerely,
I just received an updated copy of my transunion credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about transunion because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
XXXX has been non-compliant with removing the unverified account R & R COLLECTION SERVICE Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that R & R COLLECTION SERVICE 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.
To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records.
I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).
I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!