WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.
Transunion is showing this still on my credit report- XXXX XXXX XXXX XXXX They agreed to delete it from my credit report. 

XXXX agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.
I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.
Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.
I was 60 days behind on my mortgage. I was behind by payments due for XXXX & XXXX. I have the funds now to catch up the 2 mortgage payments for XXXX & XXXX, and plan to have the funds to make the XXXX payment - onward shortly. ( I lost my former job a could months ago and things have been tight financially, but have started a new job, and am getting back on track! ) I attempted to make both the XXXX & XXXX payments online, but loanDepot will not allow me to have access to my online account anymore. loanDepot has told me that because I am 60 days behind, I am only allowed to make payments over the phone ... 

I attempted to make the payments over the phone on Thursday XX/XX/XXXX. I made one of the payments using their automated payment system, and another via speaking with a representative, where the phone representative told me I was not allowed to make more than one payment in one day (? ) and so the second payment would have to be dated Friday XX/XX/XXXX (? ). 

I am concerned because ( 1 ) payments are supposed to post within 24 hours and neither of the payments I made have posted and ( 2 )  because loanDepot will not allow me to use my online portal to make the payments ( where I would be able to screenshot or save a copy to document my making the payment ) I have no way to prove I made 60 days worth of mortgage payments to loanDepot within a reasonable number of business days before I would otherwise fall 90 days delinquent. I am afraid loanDepot is going to attempt to take my house. 

The two payments I have made to loanDepot I made using the exact same account I usually use to make payments from, and for the past 13 months, every other payment I have made toward the mortgage has posted within 24 hours with no issue. 

I asked the phone representative if I could record the conversation to have record of making the payments and the phone representative told me that was not allowed. I asked if loanDepot records the phone call and the representative said the calls " can sometimes be recorded for quality assurance '' but told me I was not allowed to record the call. Which sounds extremely suspicious. It feels as if loanDepot is setting me up for having no record of having made the payments to them before falling 90 days past due. 

Also -- loanDepot charges an extra {$5.00} to make a payment over the phone. Which is unfair, given the fact they will not allow me to make a payment online currently. 

I DID record the phone call making the payment using the automated system, so I at least have that recorded/documented for now! I also did/was recording the call with the phone representative, although it sounds as if I would be unable to use it possibly. But my reason in filing this complaint is to avoid ending up in a situation where I am battling with loanDepot over my home. And also to address the inconvenient policies loanDepot has which make it difficult to catch the mortgage payments back up. Just to be clear : I am NOT 90 days late! I was attempting to make 2 months worth of mortgage payments while I am still LESS than 90 days behind! 

Please someone assist me in how I can get this resolved quickly before it escalates any further!
Experian disregards without conscience disputes initiated by its consumers under FCRA. After submitting additional documentation regarding public records several employees specifically " XXXX '' and " XXXX '' under XXXX XXXX negligently handled my dispute. I sent documented proof in support of my claim over a month prior and XXXX specifically stated the information is still located in the mailroom. Furthermore, Sup. XXXX allegedly went to retrieve said documents in a followup phone call only to dismiss the relevance by a reckless " Experian Policy ''. That is, ignore your claim and tell you anything whether you believe it or not. Well, I believe we need to have a sitdown at a proper venue.
Two months ago, Flagstar ( dba XXXX ) sent me a letter telling me that my second mortgage was due and payable, that it was a balloon payment, ( I was not aware that there was a balloon payment due ) when I got this loan they told me that it was interest only, but that I would be paying down the principal. In ten years I have paid the principal down XXXX, they are now telling me that the loan balance is XXXX, the original was XXXX. I have talked to them countless times, they now tell me that I have until XXXX XXXX, 2015 to pay the balance or they will foreclose on my property. I am XXXX years of age and do not have XXXX to pay them, when I asked about the hamp program they said they would send me the papers for it, ( I talked to XXXX people who said they would send them, they did not. ) Last week I spoke with another lady who did send the papers, but told me that the loan would be going back to Flagstar on XXXX XXXX, 2015. After paying over XXXX on this loan they should be willing to negotiate a settlement, but I can not speak to a person who handles this. I do need some help here. Thank you
I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.
My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.
There are currently  XXXX  bankruptcy tradelines showing on my cred it report.    XXXX  #  XXXX , and  XXXX .   Per my credit report transunion is list their source for this information as ILLINOIS  XXXX  COURT-  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon calling and writing the source the have stated to me that they do not verify anything with the credit bureau. I have formally disputed these bankruptcies with transunion only to be told that they were verified
In XX/XX/XXXX, my XXXX and I opened a home equity line of credit with Bank of America. For the first XXXX years of the loan, the payments were interest only, which were paid 100 % on time. In XX/XX/XXXX, before the loan would transition to including principle payments, I contacted Bank of America and spoke with a woman named XXXX XXXX regarding extending the interest-only time period for a few more months while I sold the property and could pay off the entirety of the loan once it was complete. She assured me this arrangement was satisfactory and approved, and in the same phone call I made the following XXXX months payments. 

Despite this arrangement, I began receiving phone calls from Bank of America informing me that my payments were past due. I informed each caller of the arrangement Id made, yet they continued. No one I spoke to would confirm the arrangement Id made nor put me back in touch with XXXX XXXX to straighten this whole thing out. 

In XXXX and then again in XXXX I sent letters directly to XXXX XXXX, XXXX at Bank of America. I asked him to see the error was rectified and explained that the oversight on behalf of his company would cost me in the millions. I have not received any response. I disputed the incorrect history on the various credit bureaus, and they have remained unchanged at Bank of Americas instruction. 

Suffice it to say this has been a very frustrating situation and I would like it rectified immediately. I am very disappointed in having fallen prey to Bank of Americas less-than-stellar business practices that have led to multiple class actions suits against them. I have included the letters sent to XXXX XXXX, as well as the proof of delivery from XXXX.
Bank Of America had misused of my XXXX credit file. I disputed the account several times that has been way over 30 days. The account should had been removed. 
Account Number XXXX The misused of Credit file by reporting the account on faults dates. The account date closed that changes back and forth from XX/XX/XXXX to  XX/XX/XXXX repeatedly and changing Closed account to N/A to closed repeatedly. Reporting the account too many time in a month specially during a dispute re investigation. Dispute re investigation lasted more then 30 days from XX/XX/XXXX to XX/XX/XXXX. When BOA received the documents of proof of misused of credit file. I received a letter several days ago saying the account is reporting correctly. Another words the damages and the misused of my credit file is ok.
Short Sale was started XXXX/XXXX/17 with PNC. This is the SECOND CFPB COMPLAINT I have had to file against PNC for this borrower. ( See attached ) Most recently, PNC has now decided to refuse to speak with us, XXXX XXXX XXXX, as an authorized third party. PNC has spoken to us several times prior to today, therefore this is clearly retaliatory for filing the previous CFPB complaint against PNC. 

Is PNC now deleting our authorization documents? 

This has got to stop. This is servicing fraud. It is illegal for PNC to reuse to speak to an authorized third party. It is illegal for PNC to make up laws stating they are no longer allowed to tell me what the value is, nor what the counter is, nor are they allowed to make outbound calls to me or leave voice messages because this " is in the state of California ''. Since when does the state of California have anything to do with PNC properly servicing their loans? NO SUCH LAW EXISTS!!!!! 

Were not real surprised considering PNC committed this, yet another, illegal act when they cut off funding for this home to be build.
On XX/XX/2018 I applied for a load with cashnet in the amount of XXXX My first payment was XXXX which was made on XX/XX/2018. I jus found out today that the payemnt went only to fees and intrest. Nor they have notifed me that my next payment is going to be XXXX whicj is XXXX dollars above my last payment. Nowhere in their aggeement was there anything that indicated that this was not a standard loan with set payments over a certain amount of time. They informed ne today that I was being chagred XXXX dollars in intest alone. I am on a fixed income and had I known that this was not a loan with set payments over a certain amount of time I would not have applied. They only offered assistnce if a payment was declined by my bank and would charge me XXXX t XXXX extra a month to do so. I have teir to contact them to see if they can help with the high payments that they are now tring to charge me but all I get is I'm sorry.
Two checks were deposited into my wells Fargo checking account on the XX/XX/XXXX from a loan company one for {$700.00} and, one for {$700.00} that were counterfeit causing my account to go negative.I talked to fraud department at wells Fargo got a case # as well they said I would receive info from them sent out in the mail.weeks go by and, nothing is received so I go into my local wells Fargo branch and speak with the branch manager who informs me they do not have my case # on file.Nothing was filed.and they assure me that they will get to the bottom of the situation.and I will receive something in the mail informing me of their decision about 2 weeks later I receive an email informing me that my account is over {$1500.00} overdrawn and they are closing my account that I have had over 4 years never did they research the fraudulent checks or keep me in the loop I had two different case numbers and never received any info.now my account has gone into collection and my credit scores are messed up its been really stressful how can they legally a sure someone they will research or investigate the fraudulent check and, do absolutely nothing leaving me to pick up the pieces.
Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.
On XX/XX/2016 I began the process to refinance through " eLend '' and signed the initial mortgage disclosure package. I agreed to a XXXX year loan fixed rate of XXXX %. I provided all requested documents in an expeditious manner and satisfied all requests from the lender to include an appraisal they directed me to use. On XX/XX/2016 I received an email from processor XXXX indicating my loan has been conditionally approved and the rate lock of XXXX % would be expiring on XX/XX/2016. In addition the email requested documents within XXXX hours. I immediately sent all requested documents, satisfying the request and sent an email to XXXX indicating the documents were sent. I did not receive a response until after the rate expired on XX/XX/2016. I was informed the rate would be extended. After several attempts to contact XXXX to once again check on the status of my loan, I received an email indicating the rate lock had expired again on XX/XX/2016. I spoke to origination XXXX XXXX and explained I have sent all requested documents and did everything on my part to satisfy the loan, but " eLend '' has allowed the rate to expire twice. XXXX apologized, but said the best they could do was increase the rate to XXXX % and charge me fees. I pleaded my case once again and XXXX called back explaining he would waive the fees, however could not give me the original rate of XXXX % even though it was " elend 's '' fault for the rate expiration. As a result, I have lost credits paid towards closing costs and have an increased rate due to elend 's lack of ability to process a loan.
I do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.
On XX/XX/2018, I had went into Wells Fargo to open a business checking account. I had met XXXX XXXX XXXX, it was presented to him all documents, i.e IRS letter containing EIN # and Articles of Incorporation also a driver 's license and a government official ID, i.e.  Transportation Worker 's Identification Credentials. Now, it came to the part where I was demanded to give up my Social Security number for a personal profile or they wouldn't move forward with a business account and immediately I asked for the policy of their institution to show me where I am required to give my S.S # ( Social Security number ). XXXX XXXX XXXX couldn't provide one so I asked to speak to an Account Manager and he brought over, Service Manager, XXXX XXXX. By this time, I had informed her that I was recording the conversation because of their unprofessional conduct and it was made aware with her. I requested for her to present a policy and she couldn't provide one or a remedy. After our conversation, she went to contact the District Manager, XXXX XXXX, whom I spoke with and it was said that I am to required a SS # to open a business account and when I requested for the policy to show where I'm required to give my SS # to get service, she told me that it is Internal for their company and when I requested a copy, she immediately told me that then I can't do business with them. She didn't give me any other options to get the business account open and insisted on me providing my SS # is the only way to get the business account open. Before I hung up, I told her that this is done under duress and it's not fair. She didn't consider the situation at all and insisted that this is how I can only open a business account. Being under duress, I gave up my SS # and still got denied for a personal profile because they couldn't pull my credit which I didnt know they were going to do. I was told that my business account was good but because they couldn't pull my personal credit for a soft inquiry, they couldn't get my business account open. They never showed me that policy. I was denied service by this bank and their conduct was very unprofessional. I told them according to The Privacy Act of 1974, I have a right to privacy in not giving out my SS # especially to be used as an identifier.
Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.
MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.
Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan. 

I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe. 

However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so. 

I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period. 

I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.