WillisBack/dataset-financial-user-claim huggingface dataset:
My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.
I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.
XX/XX/XXXX : Called them regarding the escrow shortage letter that we received and it was promised that they would waive the late fee for XXXX 2017 of {$22.00} and plus sent clarification that the rise in the escrow payment would only be for a year. Neither of those have been done. We had a third party examine our closing disclosure and the escrow payments collected from and paid out by the mortgage service provider and not only are we not short but we have an excess of around {$1600.00}. 
Called again on XX/XX/XXXXand they have been unresponsive to our request for getting this cleared up so hopefully this will speed up the process.
COMPLAINT REGARDING : XXXX XXXX XXXX XXXX XXXX, oh XXXX I applied for XXXX XXXX credit card through XXXX XXXX which insures my XXXX vehicles and personal residence. 

XXXX XXXX  XXXX XXXX, Ohio has illegal reasons for denial of credit for credit worthy customers. They cits a secret risk score known as behavior risk score which I have never seen before. They are listed all over on the internet Ripoff reports and businesses where consumers had the worst experience. 

XXXX XXXX  denies me credit card despite my household income north of {$400000.00}. My FICO score is exceptional and has no delayed payments. I am a responsible consumer. 

I believe that bank uses discriminatory lending practices based on age and foreign last names despite the fact that I was born in United States and enjoy a financially stable life. 

XXXX XXXX has a very poor record of charging its customer predatory fees which you can see by going to XXXX. 

It is my belief that I was denied credit based on false assumptions of underwriting department regarding my last name and my actual age which is greater than XXXX despite the fact that bank if required under Ohio state laws to make credit equally available regardless of race, religion, sex or age as long as consumer has the ability to pay its obligations. 

When I called the bank today at XXXX, the representative tried to confuse me and wont give me a phone number to allow communication to occur. Their letter of denial lacks this number as well.
i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.
MCM which is XXXX XXXX XXXX XXXX XXXX keep sending letters and making phone calls on a bill that I believe I do not owe.
Capital one is fraudulent, I have 3 of their credit cards, Ive contacted capital one credit card customer service and spoke to several customer service fraudulent agencies and they refused to help me and give me access to my credit cards they have blocked me from using my credit cards with their company but is charging me every month because my credit card payments are set up on direct payments through my checking account. I have given capital one enough time to make adjustments on my credit cards but they refused. They are advertising XXXX fraud on fraudulent use of credit cards. 
I explained to capital one fraud team that this problem has been on-going and they never has brought this matter to a close. Capital one restricted my credit cards but is taking money from my checking account each month to pay themselves. As I have online access capital one is also charging me monthly fees for cards I can not use. This is totally unfair practice
In XXXX, the company that purchased the property where I was residing, XXXX XXXX XXXX XXXX XXXX, Ca XXXX, was XXXX XXXX XXXX XXXX XXXX Homes XXXX. They sent their representative XXXX XXXX to my home to notify myself, and the other tenant, that our residence had been purchased at auction and that they wanted to inspect it. 

After the inspection was complete, XXXX XXXX advised me that the property could no longer be rented in it 's current condition. XXXX upgrades and safety repairs were needed to be completed prior to renting the property again. 

It was at that time I was offered the attached " XXXX for Surrender of XXXX in XXXX of XXXX ''. This agreement states that due to the short notice, NO RENT will be charged for the months of XXXX XXXX through XXXX XXXX, XXXX. In addition, I was offered {$1000.00} to vacate the property by XXXX XXXX, XXXX. 

I agreed and signed the attached agreement provided by XXXX XXXX, on XXXX XXXX, XXXX. I also provided XXXX with a copy of my California XXXX XXXX with a date stamp ( attached herein XXXX to provide to his employers. On XXXX XXXX, XXXX, the day that I surrendered the keys and vacated the premises, I was given a check for {$1000.00}. 

I received the attached letter dated XXXX XXXX, XXXX, from Fair Collections and Outsourcing of XXXX XXXX on behalf of XXXX XXXX XXXX to collect money allegedly owed. I contacted them right away and sent them a fax copy of the agreement. A representative told me not to worry about it, she would resolve it with the creditor. I heard nothing about it until recently, XXXX XXXX, whereas I attempted to apply for a home loan and it appeared on my credit report provided by my loan agent ( see attached ). 

I have sent another copy of the attached agreement on XXXX XXXX, XXXX to the XXXX Department XXXX XXXX XXXX and Outsourcing of XXXX XXXX and they stated that they forwarded my documentation provided to the creditor on the same day. I was also informed that the creditor would have XXXX calendar days to respond and if they did not receive a response then they would remove this from my credit report. In addition, I have asked for the documentation showing that I owe this debt and the representative simply stated that it is for the month XXXX XXXX rent but could not provide me any rental or lease agreement. I reminded her that I provided a letter of agreement to the contrary but she states that she will still have to discuss it with the creditor. To date, I still have not been provided any documentation showing I owe this debt. 

When I called today for status on this situation I was given the run-a-round and inconsistent information. The representative on the phone was unprofessional, rude, and was yelling at me. She states that she does not think that the 30 day rule applies to me as they have had this account for a very long time. 

Due to it 's nature, this XXXX negative reporting is disqualifying me from getting the assistance I need to purchase a home. 

I have received no assistance or good faith efforts from XXXX XXXX and XXXX to correct this issue and it feels as if they are strong arming me into paying a debt that I do n't owe in order to qualify to purchase a home.
As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.
HSBC Bank USA sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( XXXX XXXX XXXX ).
I was fraudulently enrolled in debt protection on my  Citibank Best  Buy Credit  XXXX . I cancelled the enrolled service over the phone on  XXXX , but my request for refund was denied. I understand Citi was forced to pay back $  XXXX  in fees as well as assessed $  XXXX  in fines for these exact activities. The  XXXX   XXXX   XXXX  customer service line gave me an address to send my refund appeal :  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas  XXXX . I 'm sick of the run around and want Best Buy and Citi to make this right.
Served Summons and Complaint along with letter from attorneys indicating response is voluntary. It 's very misleading.
Wells Fargo Mortgage calls one time when I was at work could not talk and replied back to the consumer financial protection bureau that the issue was resolved. How can an issue be resolved if you never spoke to any one. Wells Fargo Mortgage is deceptive and nothing but fraud with answers replying back as they talk or fix the issue. I'm also in the process of filing with the US Attorney office for several issues regarding my signature as not mine and other various documents altered by Wells Fargo Mortgage.

Wells fargo calls at late times as if not other XXXX tactics they use in as they call solved this issues is never going to be solved playing games and one lie after another lie.
I do n't feel like my monthly payment amount or interest rate is realistic. I have tried multiple times to lower my interest rate with no success. I have also tried to change my payment plan with Navient with no success. I went on forbearance last year without realizing that the interest was still accumulating.
I applied to refinance my loan and sent all the papers requested and the company just stop communicating and never processed the loan nor would tell me why got all my person information conducted and appraisal, two visited Got tired of waiting so went to another company and got it done still nothing freedom mortgage.
I deposited a check for {$800.00} on XX/XX/2017, I did not know until XXXX/XXXX/2017 that a charge-back was going to happen with that check on XX/XX/2017. Since I had used some of the {$800.00} against ( what I did not know was a negative balance ) On XX/XX/2017 I deposited {$800.00} in cash from my personal funds to cover everything that was pending, but an administrative hold was put on THAT {$800.00}. Overdraft fees were charged while transactions were pending instead of when they posted. That caused a domino effect for several other legitimate transactions to be returned unpaid and more OD fees. As a veteran-owned, and woman-owned Small Business solely supporting my XXXX with my personal funds, this has caused irreparable, unfair, and unnecessary harm to me, my business, and my family. 
The action BB & T took, placing an Administrative Hold my small business checking account, was unfair. It may not be against Federal Reserve policies, but the reason I feel that this is a dire situation is because there are other scenarios that could easily happen that could very easily permanently cripple a small business like mine. Examples of other instances were this could happen : 1. XXXX does an account verification by making XXXX small deposits ( approx. XXXX cents ) and XXXX withdrawal of those XXXX amounts. That XXXX small withdrawal can cause an avalanche of fees starting with just that XXXX small withdrawal costing {$36.00}. 
2. I stop for gasoline while on a trip to deliver a quilt. The gas station places a {$1.00} hold on my debit card. If I do not know that there has been a charge-back and I am in the negative with my available balance - that {$1.00} hold has just cost me {$36.00} and then the actual amount for the gas will cost me another {$36.00} plus everything else I have paid for with my debit card that day. 
Those are just two examples of how this practice can cause us harm.
I received irrational frequency and number of repeated auto dialer calls to my mobile device and then my employer phone number, after asking for the automated calls to stop, phone records as evidence, recorded call and certified letter evidencing my request to be removed from auto-dialer. Requested debt verification letter in writing, received it more than 30 days later and it had inaccurate information. I provided response to debt collector disputing the information they provided which was an entity and account number I have no evidence of. No response after more than 30 days.
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Been fighting Experian and XXXX for three years to report correct information. We supplied Experian, XXXX and XXXX with a FAXED ( right from XXXX   ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX '', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.
Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!!
I have had an auto lease with Motolease LLC that was closed last year. However, for some reason they still report that this account is active and past due. This is not correct information reporting on my credit file.
In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.
Between XX/XX/2018 and XX/XX/2018, your RECEIVABLE collections account was removed from your credit report. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...
I order a mortgage payoff from Ocwen because the payoff is needed to obtain a reverse mortgage for me and my wife so we would lose our home. However when I got the payoff back from Ocwen they added my principal reduction amount of {$42000.00} back to my loan as part of my payoff. I was told that this would not happen because it was forgiven and now they are going back on their road.
The BarclaycardUS.com Upromise by XXXX card has, XXXX, a deceptive practice regarding payment due dates. ( Many other cards have this too. ) In addition to a date, they also have a time by which payment must be submitted online, else the payment is considered late, and a late fee is incurred. In this case the time is XXXX XXXX. Nowhere on the face of the statement is the time listed. It is buried in fine print on page XXXX with the phrase " Payments made on our website by XXXX XXXX ET will be credited to your account that same day. '' Customer service tells me it has always been written there in the fine print, and I believe them. My point is, how many people actually read the gray fine print on the back of the statements. Should n't, for the sake of clarity, it be required for credit card companies to print any time restrictions on the front of statements, next to the due date that they take the time to print in bold?
I had applied for a home loan and found out there was a default judgement issued against me back in 2010 from XXXX XXXX XXXX.When I called the court I was told where they posted my court notice and I did not even live at that address which I can prove. The company is now out of business so I can not take court action against them for this.
I took out a loan with Big picture loans of {$800.00} and they told me that I just had to pay {$200.00} extra so {$1000.00} total. Well I have paid XXXX payments of {$200.00} now they 're saying I still owe {$1000.00} that the loan is not even paid that I 've only paid the interest. I did not agree to it being so much if I knew it would be been so much I would 've not gotten the loan so I could pay my house rent I would 've gone elsewhere but I feel scammed because I was only told I had to pay {$1000.00}