WillisBack/dataset-financial-user-claim huggingface dataset:
I have spent years trying to work with XXXX XXXX and now Navient to pay an affordable monthly payment. I can not understand how they can base my required repayment on my gross income amount, without taking my monthly expenses in to account. If I received and my gross monthly income, I would n't be in this situation. I 'm exhausted with the process of submitting paystubs and paperwork, only to be sent a Repayment Plan in an amount that I simply can not afford. I originally borrowed about {$26000.00}. As of this date, they state that I owe over {$40000.00}!! I 've requested forbearances because of their unwillingness to work with me to provide an affordable monthly payment. These forbearances only accrue outrageous interest, which in the end, does nothing at all to help me payoff this loan. In this economy, why should I be paying over 7 % in interest?? This is unfair, nefarious, greed that has ruined my credit and caused many sleepless nights. I feel like they have me just where they want me and as long as they can play this evil game, they can continue to accumulate thousands and thousands of dollars. I truly need your help to stop this abusive behavior because I have no idea how to resolve this matter.
To whom it may concern, I am very upset at the treatment and information I 've been given in the last few days. Around XX/XX/XXXX I had someone contact me regarding a late payment. I agreed to pay the late payment at their request. I currently have two accounts with your company due on the same day. I called on XX/XX/XXXX to determine which account the payment would take care of. An agent explained there was no communication with me, there was NO PAYMENT SCHEDULED TO COME OUT. I called again, the next agent told me the same thing. I made a XXXX payment online since there was NO RECORD OF ANOTHER PAYMENT. Two days later my account was charged a second XXXX. This is extremely upsetting and sounds illegal. I spoke with a supervisor who said she could refund me within 3 weeks! This is unacceptable. She suggested I stop the payment with my bank and they should n't charge me. This was again, inaccurate information. XXXX charges a 30 stop payment fee. I chose to dispute the charges. I called your company AGAIN to ensure they would n't try to push the payment threw again. I was ensured by an agant it wouldnt. This was another LIE. My account was charged another XXXX dollar payment as well as overdraft fees and I am livid. I called back very upset. I spoke with supervisor XXXX, she was very unempathetic and repeatedly said I authorized both payments. I am at a loss of words for the lack of accurate information, customer service, and empathy I 've experienced in the last week.
Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.
I applied for a FHA Mortgage through Southeast Mortgage of Georgia. The night before our closing date, they informed me that I was denied of the financing, due to insufficient income. I changed jobs almost 3 weeks before my close date, but they didn't say this was an issue until the night before closing. They asked if my wife could be added to the loan, and we told them it was a possibility but not something we wished to do, or we would have done so from the beginning of the application process. They asked for some financial documents ( pay stubs, bank statements, a picture ID, property tax information and a mortgage statement for our current home ), which we provided, but never mentioned pulling her credit. After providing the documents listed above, we were informed on the XX/XX/XXXX that we still would not qualify, due to our Debt To Income Ratio. They then pulled her credit at all three Credit Bureaus, XX/XX/XXXX and XX/XX/XXXX, without our verbal or written consent. 

My wife is subscribed to a credit monitoring service and this is how she was notified of the inquiry. No one from Southeast Mortgage ever told us they were pulling her credit, nor was this necessary due to us being unqualified. This is a serious violation and we don't want this to happen to other borrowers in the future. We appreciate you looking into this matter.
I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything
My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.
It appears as through Ocwen Loans Servicing, LLC are going around in circles and not coming to an amicable resolution to this issue that has affected our property. 

This is in response to a recent letter sent through the CFPB Portal stating " Additionally as Ocwen did not service the account prior to XXXX XXXX, we have no record of establishing a credit tradeline prior to that date. You have indicated your credit report shows Ocwen established a credit tradeline prior to XXXX XXXX, however you have not supplied a copy of their credit report to Ocwen so that this claim can be investigated. To have this issue research further please provide a full current ( within 90 days ) of your credit report directly to me. ". 
Please note that a copy of the credit report dated XXXX XXXX, XXXX at XXXX was generated and sent to Ocwen by certified mail, through the Consumer Financial Protection Bureau and XXXX XXXX, XXXX, the XXXX Department of Finance legal division, Securities and Exchange Commission and XXXX XXXX XXXX XXXX Trustee on XXXX XXXX, XXXX along with all supporting financial documentation. 
After careful review of the Corporate Assignment filed on the property located at XXXX XXXX XXXX, we have discovered that the Power of Attorney Document Reference XXXX giving you Limited POA ( Power of Attorney ) is based on LOAN NUMBER XXXX which is not the loan for the property XXXX XXXX XXXX XXXX, NY XXXX. The recording was done in error The alleged loan number for the property is XXXX. I 'm also including a statement for your reference. 
Ocwen Loan Servicing LLC has requested XXXX XXXX XXXX to record the Corporate Assignment to validate their reason on collecting payments prior to securitizing the loan for XXXX XXXX XXXX XXXX XXXX XXXX and have not applied {$48000.00} of payments towards the property from XXXX XXXX - XXXX XXXX in the past 17 years. 

A complaint will be filed against the Notary, XXXX XXXX XXXX in the Executive Governors Office in Florida for his errors and omission by not validating the reference document. 

Furthermore Ocwen has not retracted the XXXX that has been recorded. Per the real estate records division, Ocwen Loan Servicing , LLC can only rescind the Power of Attorney.
My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.
I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes  before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ). 

Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone. 

I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.
Nissan hit me with a 30-day late fee for my car payment. What had happened was Nissan FAILED to send me a bill, so I forgot to pay it. It was my understanding that they are required to send me a bill every month for my loan. We called Nissan and explained what happened - they said they would waive the late fee and would make sure that the late payment did n't show up on our credit report. Not only did it show up, but it shows up as two 30-day late payments. I called Nissan to discuss, and they said " ok, we will review your complaint and send you a letter with our determination within 30 days. '' I never received anything in the mail or via email, and was never contacted about it again. 

This is the only derogatory item in my credit report - goes to show that my creditworthiness is outstanding, and that I had no reason to miss car payments. I have over {$15000.00} of available revolving credit, and I 'm utilizing less than 5 % of it. This incident does not accurately reflect my creditworthiness, and I feel that Nissan has been dishonest with me and has not acted within the bounds of the Fair Billing Act and the Fair and Accurate Credit Transactions Act in its dealings with this situation. 

In my credit report, it says " late dates : XXXX - 30 [ days ] '' however, it lists two 30-day lates under " number of 30-day past due payments '' - please see attached screenshot of my credit report. There is also innacurate information showing under trended data for XXXX 2016, when a full payment was obviously made but not fully and correctly reported. 

If Nissan Motor Acceptance Corporation has a record of the phone call, the call was likely made from XXXX of XXXX numbers : XXXX or XXXX. Please contact me for further information if needed. I have nothing to hide and will fully cooperate until this is handled property.
XXXX XXXX XXXX had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXXXXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!
A representative XXXX from law offices called me a firstly did not mini or maxi miranda me. I did not fell as though I was treated as at least a sophisticated consumer nor treated with dignity, respect or manners. When I asked the female representative to please send me something via post mail because there are lots of scams and phising companies to get consumer identities and money. If she would send me a validity of the debt, she expressed " i 'm not going to send you anything we have been sending you things since 2015 and you have n't paid us ''. I explained that as a consumer it is my right to have a written copy of this debt she still explained that she is not going to send me anything and that I can come and get one in the office which is in XXXX. I then explained that that city is miles away from me and that I am unable to go and retrieve anything from the offices. Representative XXXX hung up on me Upon reviewing my credit report, this debt is not on my credit report and representative is perhaps lying about the debt or the validity of the " law offices she works for ''.
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX The following complaint is not limited to the factual statements found herein describing actual dated documented references concerning perjury and false Declarations in direct reliance to Wells Fargo on Court documents including This one and more to come. consecutively On or more specifically XX/XX/XXXX the Defendant XXXX XXXX XXXX Submitted in the Circuit Court of the XXXX Judicial Circuit in and for XXXX County CASE # XXXX ( XXXX ) DEFENDANTS PRO-SE MOTION. 
TO DISMISS COMPLAINT against Wells Fargo on the following grounds stated. 

1. On XX/XX/XXXX. Plaintiff filed its foreclosure complaint 2. Plaintiffs Foreclosure Complaint is fatally defective in that it is not verified as required by Fla. R. Civ . P. 1.110 ( b ) That rule provides that When filing an action for Foreclosure of a mortgage or residential real Property, the complaint shall be verified. When verification is required. 
The document filed shall include an oath, affirmation or the following statement : Under penalty of perjury, I declare that I have read the foregoing and the facts alleged are true and correct to the best of my knowledge and belief 3. Plaintiffs Complaint contains the above statement. Furthermore, an individuals signature and printed name. XXXX XXXX, appear below the statement, without any notation as to title or relation to the Plaintiff. The individual swearing to this verification statement under the penalty of perjury does not identify himself as a representative of the Plaintiff or any other entity, for that matter. Without Identification as to entity, the verification is incomplete and therefore the Complaint Is unverified and should be dismissed. 

WHEREFORE, the Defendant hereby requests this Court to dismiss the Plaintiffs Mortgage Foreclosure Complaint with Prejudice. 



Sincerely : XXXX XXXX XXXX I certify that the above information is true and correct Please be advised That more complaints against Wells Fargo will be continued and pursed.
Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.
I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.
This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. 

the # they leave is XXXX. 


They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!
I have a XXXX XXXX XXXX credit card from XXXX XXXX. I never received my rewards check from XX/XX/XXXX. I have called several times and spoken to several supervisors since XX/XX/XXXX. Initially, they said they would look into it and get back with me. After several months, I called back and was told that I forfeited the rewards because the check expired. I explained the problem was that I never received the check so I was not able to know when it expired. He also stated that once the check expires, you forfeited the rewards. But when I look at the terms and conditions, it says that, " Cash Back rewards are forfeited if the XXXX XXXX XXXX Mastercard account is not in good standing is more than two months delinquent on the minimum payment, if the XXXX XXXX XXXX  Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than {$5.00}. '' I was never delinquent on my payments and I use the card frequently. I have been a XXXX XXXX XXXX member for the whole time I had this credit card. And my rewards check is over {$260.00}. No where does it say you forfeit rewards if the check was never cashed or lost. Lost mail is a frequent problem. I feel this is very deceptive as the consumer is the one to get shorted. After complaining to XXXX, I was transferred to a different supervisor at XXXX XXXX and she only offered a {$25.00} bill credit for my troubles and refused to reissue the check.
Brinks Prepaid MasterCard failed to replace a stolen card and refused a deposit under the XXXX act of 1999
My mortgage has been sold to Ditech from  XXXX   XXXX   XXXX . I had started the modification process with  XXXX   XXXX   XXXX  because I had major  XXXX  in   XX/XX/XXXX .  All documents included but not limited to  FMLA  medical records and the loan modification paperwork including pay stubs bank statements etc were completed and faxed to  XXXX   XXXX   XXXX . In  XX/XX/XXXX   XXXX   XXXX   XXXX  sold my mortgage to Ditech. I am making regular monthly payments but remain 3 months behind.  XXXX   XXXX   XXXX  DID NOT FORWARD any paperwork pertaining to the modification to Ditech. Ditech has now taken the position that they want to begin legal process.
I opened a checking account with Citizens bank with a promotion to receive {$400.00} after having a direct deposit of {$1000.00} or more. I made this direct deposit on XX/XX/XXXX and its been over a month with no bonus yet.
Ditech Financial LLC has wrongfully denied me of loss mitigation assistance.The reasons stated in their denial letter ( s ) are untrue. I have provided them with all the requested documentation to prove their reason for denial is incorrect.They have foreclosed on my home and a sale date is pending.
On XXXX XXXX, XXXX, a security freeze was placed on my Equifax credit file at my request. The security freeze was indicated in my credit report when I accessed it in XXXX and XXXX. When I accessed it recently, in XXXX XXXX, the security freeze was no longer indicated. This is an error I never requested nor initiated removal of the security freeze. 

On XXXX XXXX, XXXX, I wrote to Equifax describing the error and requesting that the security freeze be reinstated. They replied on XXXX XXXX, XXXX, treating my letter as a new request for a security freeze and saying they could not act on the request without additional information -- information which was included in the documents attached to my letter. 

Copies of my letter XXXX with attached documents XXXX and Equifax 's response are attached to this complaint.
I originated a loan for a truck in 2009 with XXXX. The loan was for 72 months. Santander Consumer purchased the loan from XXXX after about two years. I have paid this contract in full and Santander will not release my title. They say I owe for 80 months. I have consistently asked for a supervisor and for them to explain how my contract can go from 72 months to 80 when I never refinanced.
Good Day.

My name is XXXX XXXX XXXX Late last year my loan with Loancare ( # XXXX  ) was overcharged for taxes but I was able to contact my county auditor 's office to have the payment sent back to loancare. Around XX/XX/XXXX I received an email from loancare that an escrow review had been done and my mortgage was going to go from {$550.00} to {$820.00} because they had to pay out extra for taxes. I called loancare on XX/XX/XXXXand was informed that all I had to do was to go to the auditors office and get the paperwork stating that I had a XXXX balance for my taxes and once they received it they would send a message to have a subsequent analysis done. I got the paperwork submitted to them on theXX/XX/XXXX and called back to make sure they received it, they did receive it and told me to call back in 5 days and it would be corrected.

After 7 days I called back and it still hadn't been corrected and was told to give them another 5 days, which I didn't agree with but there wasn't anything I could do so I agreed. I then called back on the XX/XX/XXXX because it still wasn't done and my mortgage is due on the XXXX of each month. I was told it still wasn't complete and I had to wait, I didn't accept it this time and asked to speak to a supervisor. I was able to speak to a XXXX XXXX  ( XXXX   ) XXXX who informed me that she was going to personally send an email to the escrow department and not to pay my mortgage and she would make sure that it would be complete by the XX/XX/XXXXand as such she take any late charges that occur off. She also told me that it would be finished by the XXXX. I called back on the XXXX to her direct number and left a message, I didn't get a response. I have been calling everyday since then and still haven't received a response.

I just called again this morning, XX/XX/XXXX and now I am being told that they are waiting to update a tax line. I keep getting the run around and I am so frustrated. They also have a direct number, which is ( XXXX   ) XXXX and my loan # is XXXX, again, my name is XXXX XXXX