WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2005 I made the mistake of getting an interest only loan, or predatory/exotic loan product via a residential loan broker and so ten years later after paying interest only for the full 10 years, I find it crazy that Ocwen is still charging me 6.125 % now on a 20 year term for the exact same amount that I started at. 
I paid the 6.125 % and made it through the 10 years now that times are a bit tighter I reached out to renegotiate the terms or hoping they would gladly offer me a mod, but every time I submit the documents they tell me the same story " we didnt get all the documents '' or " can you resubmit this or that '' when the real deal is that they just dont want to give me a better rate. 

After paying XXXX in interest only on a very iffy loan product and a very healthy down payment I find myself having to be concerned about losing my home. 

One week they say I need to be 4 months behind in order to be considered next week its 2 months and that is affecting my credit rating, plus all the lawsuits against them I was hoping they would offer it to me without me having to beg to keep paying them, keep paying property tax, and the rest of the expenses that homeownership consists of. 
Givin all the serious misdeeds and ultra lax underwriting not to mention blatant fraud in the loan origination area during that time and the fact that most of these big investors and lenders were betting on these loans failing its a bit of a conflict of interest and since the settlement you would think that it would not be so hard especially since they have recouped almost the entire loan amount in interest only, and my loan is still at 6.125 % and it was meant to be an adjustable after the 10 years and that is twice the going rate. 

I dont think that making someone jump through hoops to get a fair shake is a good way to do business with someone who has worked hard and made my payments and now wants what is fair, and I know and you know whats fair would at any other time in the history of our country be much better that a rate reduction.
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ 1 monthly payment. The name that is reporting late is XXXX
Deposited my Personal checks in my account, Chase shut my account and STOLE the XXXX XXXX DOLLARS!!! After the funds cleared the account they shut my account and unwilling to return my funds claiming that they can not verify im working for this employee ...
I applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.
I made a normal checking account bank deposit at my regular bank branch of {$5500.00} which included a check made out to me for {$4000.00}. The deposit was accepted, but then later I received a letter in the mailing saying the {$4000.00} check was being reduced to {$400.00} XXXX see enclosures XXXX. The check quite clearly says $ XXXX on the XXXX line and " XXXX XXXX '' on the XXXX line. I took this letter to my bank branch and they seemed to agree with me that {$4000.00} was correct, but then I got a XXXX letter saying they would not change it.
After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.
In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.
I have an account with rush card prepaid, my payroll check goes direct deposit to my rush card, I was suppose to get my money today XXXX/XXXX/15, and come to find out that rush card company has been holding their customers money, due to a glitch in their system that has been ongoing now for 12 days and we are in hardship right now due to this issue. I have been calling their customer service number and they hang up, I am so frustrated, they do n't answer to give us any information on when I am able to get my money, please help me, I am so desperate I have XXXX children, and I have no food and my light is about to be turned off because I cant pay because rush card is holding my money.
I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for
On XXXX XXXX, XXXX I applied for and was approved for a XXXX Reward XXXX from Chase. I called them and informed them that I was recieveing the wrong promotion. I told Chase I could email the promotion to them. On XXXX XXXX, XXXX I was sent a letter that stated that could not receive the promotion from the email. I called Chase on XXXX XXXX, XXXX asking from the promotion that was offered. The Chase representative informed me that I would need to accept the lesser. I informed Chase that I would have not even applied for the card if I would have known I was getting the lesser promotion. I asked Chase to close the account. I do not understand why they would send me emails with better promotions and then grant something of lesser value.
ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your help.
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM WWW.ANNUALCREDITREPORT.COM AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
As part of ongoing complaint # XXXX against US Bank over illegal activity taken against my account by US Bank, I made the Consumer Financial Protection Bureau aware that US Bank had lied and misrepresented to the Consumer Financial Protection Bureau. We are still awaiting US Bank 's response to that. 
In the interim, today I received a call from " Card Member '' services XXXX at XXXX XXXX informing me that US Bank now was going to offer me a refund, albeit at a fraction of the amount that was illegally withdrawn from my account by US Bank. It further came to light that US Bank had compounded its earlier illegal behavior in this matter by putting the account into collection. How I was additionally damaged by that action is substantive but difficult to fully quantify at this point. 
What has occurred here, as I pointed out earlier, was, literally, criminal on the part of US Bank and several employees. What US Bank is now doing, clearly as part of something it will present to the Consumer Financial Protection Bureau as somehow making me whole in the matter, barely scratches the surface and, frankly, is yet another attempt by US Bank to misrepresent to the Consumer Financial Protection Bureau what occurred in this entire affair and the current state of things.
First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In XX/XX/XXXX, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. A neighbor was XXXX by his son and the police and SWAT XXXX the son outside my house.  Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in XX/XX/XXXX with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX property! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in XX/XX/XXXX with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
Made several attempt to resolve these issue but to no avail could I get this resolved. RADIUS GLOBAL SOLUTIONS
I have been disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.
I applied online for a Capital One secured credit card on XX/XX/2018. I was approved and per an email from Capital One, I am required to make a minimum deposit of {$200.00} by XX/XX/2018. I went online to make my {$200.00} deposit on the morning of XX/XX/2018. I received a confirmation that my deposit was successfully made and I should expect my card in a few weeks. The money was never withdrawn from my bank so I called Capital One and I was told there is no application and I should reapply or file a credit bureau dispute. In the mean time, watch my bank going forward to make sure it's not withdrawn because they can't find any application. This could hurt my credit score by having a hard inquiry that I can't remove or my bank account if they pull the money from the bank without warning
Around XX/XX/2017, a company quicken loans called me to offer a cash out service. 
I spoke with their representative and during his conversation he ran my credit report without my permission. I was shocked when he told me what is my credit report. 
I asked him if he ran my credit report and he said yes. I told him that I did not authorized him to do it. I explained him that he supposed to ask my permission first and then if I authorize, then I would allow him. he started mumbling and excusing the reasons he ran the report. I asked for a supervisor and spoke with XXXX. I explained him that it should not be that way and I would like to ask to remove my credit report. he checked the voice conversation and promised to correct that. he did not get back to me on a solution so far. at this point, I spoke with their corporate office as well and they were not willing to remove the credit report they ran without my permission. The rep never asked me if he is allowed to run my credit report and the managers stated that the rep ran the credit report while he stated that he is going to do that. I disagree on it and I still need them to cancel the report they ran on me. please your assistance on this.
FRAUDULENT DEBT ADDED TO MY CREDIT REPORT BY " XXXX XXXX '' FOR THE AMOUNT OF {$490.00}. " XXXX XXXX '' HAS NEVER ATTEMPTED TO CONTACT ME BY PHONE, E-MAIL OR MAIL BEFORE. 
NO CONTACT INFO HAS BEEN PROVIDED OR AVAILABLE ONLINE. THE ONLY NUMBER I FOUND THRU SEARCHING IS ( XXXX ) XXXX, RECORDED MESSAGE SAYS NUMBER HAS BEEN DISCONNECTED. 
I HAVE STARTED A DISPUTE WITH XXXX   AND XXXX, WILL BE CONTACTING XXXX SOON. 
THIS FRAUDULENT DEBT COLLECTION IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. I WILL BE OPENING A COMPLAINT AGAINST " XXXX XXXX '' WITH THE STATE ATTORNEY GENERAL OF CALIFORNIA AND COLORADO, WHERE THIS COMPANY SEEMS TO BE BASED OUT OF, AND THE FEDERAL TRADE COMMISSION.
XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them.
I have a auto loan that was included in my Hardship repayment plan with NFCU personnel finance management program. They have continuously charged me numerous late fees and charges erroneously. I have never missed a payment I have paid them on time. I have attached documentation to attest to the fact that they are practicing and conducting illegal practices and misleading and misrepresenting their loans.
I have a debt with XXXX XXXX for a credit card I had my freshman year of college. I understand that I am responsible of paying the debt, and I am willing to do so. Over the years, I 've been contacted by several different debt collectors, sometimes XXXX different collectors in the same month attempting to collect the same debt. With Portfolio Recovery, they will and have called both mine and my mothers personal line asking for payment. Today in particular, a woman from the company called asked if I could make a payment today. I said I was unable to do so at this time. She then asks if they can expect payment by the end of the month. Again, I said, I 'm unable to do so at this time, and when I can, I will call you. She beings to laugh and asks " well what type of work do you do? '' Taken aback, I responded " excuse me? '' and she repeats the question. " I do n't see the relevance of that with the reason you 're calling today. '' The woman begins laughing, again, so I said goodbye and ended the call. Several times in the past I 've asked this company for written notice so that I can have a paper trail of who my money is being sent to. They informed me that while they can take my credit card information over the phone, they are n't allowed to send me anything about the debt in the mail unless I first write them a letter. I searched the company on XXXX and they have hundreds of negative complaints from others like myself explaining similar cases of harassment and unprofessional phone conversations. 
Again, I can and will pay the debt, but not until I have proper documentation about the debt and the collector.
sent letter to Synchrony Bank , Home Design, to request evidence, bearing my signature, proving the account was reported accurately, verifying 150 days late payments. They failed to provide such proof, did not list the account as disputed within 30 days as required by FCRA 623 ( a ) and FDCPA 807. they also closed the account and notified all XXXX credit bureaus.
Pre-Approved Loan which company gives you a contract and monthly payment chart. Then waits 3 days and declines you for the loan. I think it 's False Advertisement because they pull your credit then the bank that works with them sends you the contract etc.
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.
I pulled my credit report from Experian, XXXX and XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2016 ; no response. Due to the lack of communication, I then contacting Experian, XXXX and XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
I received a letter from Nationstar Moartgage LLC, my current lender on an investment property located at XXXX, XXXX XXXX, XXXX XXXX, CA. The letter from Nationastar states that I could lower my monthly payment by {$160.00} with the same terms as my existing loan, and more importantly, with no costs to me. 

Because of the lower payment, I called Nationstar and talked to a loan specialist called XXXX. Once I started talking to XXXX, then I realized this is a " bait and switch '' scheme. He told me that my current loan is very favorable and can not get me a lower payment with a new loan. He then tried to get me to sign up for a new loan, with either fees upfront or a shorter term for a lower rate.
I never signed an agreement with XXXX XXXX XXXX and I have asked for the debt to be removed from my credit report. I have asked all XXXX credit bureaus to remove it from my credit, I do not have any proof this debt from XXXX XXXX XXXX or that XXXX XXXX XXXX has the right to collect any debt from me. The credit bureaus should have proof from the creditor before placing this on my credit. It needs to be removed because this is illegal per the FCRA. The credit reporting agencies need to verify actual proof by asking for proof. The credit bureaus just asking companies to verify information is not an actual investigation. This is illegal and huring my job prospects.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}