WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into a modification and assumption agreement on a property from my daughter 's estate ( attached ). Ocwen sent my paperwork to an attorney who was no longer my attorney. I did not want the attorney office involved in or having knowledge of my personal affairs because they made a mess of my finances preying upon me and financially exploiting me. I am a senior citizen and Ocwen has taken advantage of me. 

I finally got the paper work returned to me signed it and returned it to Ocwen with the first payment that was due. I have made the payments. Ocwen lied about the terms of the assumption and modification. Someone sent me a copy of the numbers used for underwriting telling me to check into it something is wrong ( attached ). 

Ocwen is telling me they gave me a XXXX dollar credit, when infact they tacked on XXXX XXXX or more to the loan and added a {$5000.00} balloon payment at the end of the loan. In addition, Ocwen added a bunch of junk charges {$3800.00} to the loan XX/XX/XXXX that were supposed to be removed when the loan was modified and assumed by me. This has never happened. I'm in a trial period where payments are current but I'm also in foreclosure, and Ocwen is trying to transfer the loan to XXXX XXXX? 

Ocwen has totally ruined this entire mortgage loan and assumption with their deceit and lies. I have tried contacting the relationship manager assigned to me, XXXX XXXX but have never been able to speak with him. I started writing down names because no one is calling me back or trying to correct these servicing issues. 

Ocwen is trying to transfer my loan to " XXXX XXXX '' to cover everything up. I spoke with XXXX XXXX, and he asked me who told me there was a baloon payment at the end of the loan and how did I find out?. XXXX XXXX has never called me back or addressed the problem. When I tried calling back I got XXXX XXXX who hung up on me because she did not know what to do and would not get someone who might have known. Ocwen can not transfer this loan until these servicing errors and numbers have been corrected. I requested a payment statement XX/XX/XXXX and have yet to receive it. There were payments made that were not credited to the mortgage account. 

These mortgage companies are worse now than they have ever been and there seems to be little if any recourse for the consumer.
My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.
There are inquiries on my credit report that I 've never actually applied for and some I 've never even heard of.
I have two checking accounts with Chase. On the morning of XX/XX/XXXX I noticed that 4 unauthorized charges on both accounts (XXXX, XXXX, XXXX, XXXX) totaling $XXXX. I immediately went to see if I still had the debit cards in my possession and noticed that my wallet was missing. I called Chase and reported the unauthorized transactions and that my wallet was missing which had all my cards and my ID in there. I wasn't sure if the pin numbers had been written down anywhere in my wallet. Chase opened up 4 fraud claims and issued me temporary credit for each charge. On Tuesday, XX/XX/XXXX I received an email from Chase stating that my claim for $XXXX was denied. I called the Chase Claims department immediately and was told that my claimed was denied due to the fact that my pin was used to make the transaction and it must've been me or someone I knew who made the transaction. I was told that it was my responsibility to prove to Chase that I wasn't the one who made the transactions and that I need to get a subpoena to get the camera footage but stated that it doesn't guarantee that I would get my money back. Chase refused to assist in any other way. I don't feel like a thorough investigation was conducted by Chase. They based their conclusion and the denial of the fraud claim solely on the fact that my pin number was used. I reported the fraud immediately and am still held liable. I was basically told by the fraud department supervisor that it was my fault and my responsibility to prove to Chase that the transactions were legitimately fraud. How am I supposed to prove something that I didn't do?
XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.
Equifax credit reporting is reporting my account status as a charge off when these accounts have been settled after numerous attempts and disputes over 30 days they will not change the status.     Equifax Accounts.      XXXX    XXXX   XXXX   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off
After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.
On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of  XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.
I signed up for the XXXX XXXX Visa credit card issued by XXXX XXXX XXXX. The conditions of the offer stated that XXXX bonus miles would be posted following the completion of an eligible purchase within the first 90 days. The terms of the offer were fulfilled as of thXX/XX/XXXX statement ; however neither the bonus miles nor the miles earned for the statement have been posted to my XXXX account. 

The attached statement confirms the miles due to be posted. Per the offer, miles would be deposited within 6-8 weeks ; this timeline has long since been exceeded. Attempts to resolve this issue directly with the credit card issuer have been unsuccessful, and a formal case was opened : case no. XXXX. As of today, no miles from the XXXX XXXX Visa credit card have posted to my XXXX account. Both XXXX and XXXX XXXX XXXX have confirmed that the credit card is successfully linked to my XXXX account. 

Any assistance to resolve this issue is greatly appreciated. 

Here is a snippet of the offer terms taken from their website : -- Subject to credit approval. Only one XXXX credit card per customer. Must have earned XXXX from flying XXXX XXXX or an airline included in the XXXX partner network or have been a previous XXXX credit cardholder to apply. It is required to enter a valid mobile phone to fill out application. Before we approve you for a credit card, we will review your credit report and the information you provide in your application to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Platinum or Visa Signature card. For benefits details, please read your credit card benefits materials which will be mailed after your account is established. 

1To qualify and receive your welcome bonus XXXX offer, you must make an eligible purchase with your Card within the first ninety ( 90 ) days of your Account opening date. The welcome bonus XXXX earned will appear in your XXXX member account within 6 to 8 weeks after your first eligible purchase was made to the Account, so long as your membership with XXXX has been confirmed, and the eligible purchase occurred within the 90 days previously referred to. To be eligible for this welcome bonus XXXX offer, your Account must remain open and in good standing on billing statement closing date where the first eligible purchase made to the Account is reflected. Subject to the terms and conditions of the program. For more information, call XXXX or visit XXXX. The following types of transactions do not qualify as eligible purchases and do not earn XXXX : use of Convenience Checks, Balance Transfers, Cash Advances, unauthorized or fraudulent charges or fees of any kind including Annual Fees or Balance Transfer Fees, Purchase of casino chips, other methods of gambling, or any other Transaction that we determine at our sole discretion constitutes or is equivalent to a Cash Advance. Subject to the terms and conditions of the program. For more information visit XXXX
Hello - I had a XXXX XXXX XXXX XXXX Credit Card, That was on a auto pay plan. The account was transferred to with out my knowledge to American Express however the auto pay was not. I became aware of this today and I brought the account current. They are charging me late fees and a higher interest rate because of the late payment, I think this is unfair.
On XX/XX/2018 I made a check deposit {$300.00} on my Checking Account. On XX/XX/2018 the available balance was {$240.00}, BOA rejected a payment of my XXXX XXXX {$220.00}, charged {$35.00} returned item fee, hold {$100.00} for deposit hold only available XX/XX/XXXX at XXXX XXXX PT.

On XX/XX/2018 I went to the bank, the Bank didn't solve the problem, asked me to wait until XX/XX/XXXX. I asked to close my account, have my money to pay the rejected loan, the Bank told me that it was not possible. 


Bank Information : Case ID XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I was involved in a military scam. The scammers were supposed to be paying back money that I would d o cash advance  and put in an " agent account ''. The payments were being pulled back. I was unaware. I would co ntact Chase to see if eligible for cash advance. The sa id yes on each occasion. I had calls from their security department several times. I called back they asked if I made a purchase, I said yes. No one on all if these occasions told me payment being pulled back. They finally sent letters saying could n't reach by phone and I had spoken numerous times. I contacted once I realized that I was involved in scam. Payments made by scammer and account was supposed to be closed and no further transactions made. This w as  XXX   -17 final  payment made in  XXXX  -17. I a gain called  XXXX -17 to inform Chase that scammer had account in there bank name  XXXX   XXXX  and provided account #. I wanted to give them scammers then security person did n't even want to deal with me or take information. On  XXXX  -17  the scammers pulled back all the payments after account was supposed to be closed and secure.. I call  XXXX  -17. T hey wo n't listen or try to help. The {$24000.00} increased to {$31000.00}. If they had told me on any of the numerous phone conversation that I had previously that payments being pulled back, I would have realized scam earlier and would n't have been out if control. I called again  XXXX  -17 I di scussed complete situation and asked why they did n't protect my account like they were supposed to, they just filled complaint and said go to small claims court. The scammers is in California.. they accepted no responsibility for not taking me seriously when I contacted before. They had their money. I had called  XXXX  because I had informed them same thing. They assured me that wo n't happen to have payment pulled back because I had Informed of fraud, just like I did for Chase,. They locked account down and forward to their headquarters. Why was Chase so negligent with my account. I realized that I made mistake and tried to rectify with them before they lost money again.. They failed to take proper action after I kept informing them of scam to protect them and me and that scammer using their bank to scam people. They basically blew me off..where are you to get help if you contact the bank where there is problem and they do absolutely nothing. This is wrong especially when I talked to an employee on  XXXX  -17 an d I was basically told account was safe now that paid and closed down. Please help this is happening to many people. When I made deposit in " agent '' for scammers Account the teller said alot of people are depositing alot if money into this account. I have repeatedly tried to tell them this and they do n't do anything.
on XX/XX/XXXX i attempted to transfer money from my Chase checking account to my XXXX  XXXX XXXX checking account. I sent the amount if {$1400.00} using my name and my email address. After two days i didn't see the funds hit my account i reached out to Chase asking about my transfer. I was told that the funds went to an account with the last 4 digits i didn't recognize. Chase transferred me to claims and they said they would try to get my funds back but couldn't promise me because it was my fault that i should have paid attention to who i was sending it to. On Thursday XX/XX/XXXX i reached out to Chase and they told me they reached out to the other party and they do not have enough funds so there is nothing they can do. I reached out again on Friday XX/XX/XXXX only to this time find out who the person was. I filed a claim with my local police but Chase is now not giving me any information and saying that its not there fault that i should have checked who i was sending the money to. I expressed to them again that its hard to check when the recipient was myself with my personal email.
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.
My wife has not received a paper bill from Chase Card Services for an Amazon account in two years. I was informed that the account had paperless billing. The card is basically maxed out with late fees despite receiving payments and I had no idea.
I purchased a ticket on XXXX XXXX on XX/XX/2018 to fly to XXXX on XX/XX/2018 for {$1600.00} on flight XXXX. 
When I arrived at the airport on XX/XX/2018 to take my flight there were several delays and finally XXXX XXXX sent me an email on Saturday, XX/XX/2018 at XXXX XXXX stating that the flight would now depart on XX/XX/2018 at XXXX  and it gave me three options in regards to this flight : 1 ) hotel and meal voucher 2 ) full refund 3 ) new ticket with another airline and reimburse up to XXXX EUR. I booked a flight with another airline and I requested a full refund from XXXX XXXX. 
I booked a ticket on XXXX XXXX departing XX/XX/2018 at XXXX from XXXX to XXXX with a layover in XXXX flight XXXX. I flew on XXXX XXXX on XX/XX/2018. 
My assistant starting on XX/XX/2018 emailed and called XXXX XXXX several times per week requesting the full refund with no response from XXXX XXXX. 
My assitant, contacted Chase Sapphire on XX/XX/2018 and spoke with XXXX in the dispute department about the charge of {$1600.00}. Chase Sapphire credited my account {$1600.00} on the XXXX statement. Chase Sapphire contacted XXXX XXXX and received documentation from them in a form of a flight itinerary stating that I flew with XXXX XXXX and proceeded to rebill my credit card on my XXXX statement stating that I had I flown with XXXX XXXX. There is no conceivable way that I flew with XXXX XXXX on XX/XX/2018 as I flew with XXXX XXXX on the same day. The documentation that XXXX XXXX provided Chase Sapphire is fraudulent. My assistant contacted the FAA in regards to this fradulent documentation on XX/XX/2018. I have documentation from XXXX XXXX that I flew with them. I also have and email from XXXX XXXX stating that they would be refunding me the ticket on XX/XX/2018 at XXXX XXXX. All of this occurred before XXXX XXXX went out of business. Chase Sapphire said that my documentation did not support my side and has refused to credit my account.
American Express Serve and XXXX has taken hundreds of dollars from cards blaming system glitch. Been over 24 hrs and they can not give time frame.
Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?
I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of all the items from Experian. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my Experian credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
First thing, I had made XXXX XXXX monthly payments consistently since XX/XX/XXXX for 13 months to someone who claimed to be a part of XXXX XXXX XXXX XXXX XXXX NationStar, but wasn't. I truly thought I was doing the right thing because I was actually making Cash Deposits into a XXXX  XXXX XXXX Account # XXXX : All State Marketing Solutions Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Only to find out that my payments had not been going towards my Loan # XXXX Mortgage because my home was about to be Auction off at the Courthouse on XX/XX/XXXX which I had to file Bankruptcy in order to prevent ( please see attached documents ). 
Secondly, this indicates a Case of in which I need to get my total of {$7000.00} back to go towards taking care of my Outstanding Balance of {$14000.00} .due by XX/XX/XXXX. Please advise and assist me in getting this resolve as soon as possible. 
Thank you
I submitted a complaint already and they continue to call. This is an annoyance. We are seeking a Chapter XXXX bankruptcy and this company was told to leave us alone last year.
The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.
Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false account.
Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.
Upon receiving a notification of an attempt to collect this debt ( which is invalid ), I wrote a letter within the 30 day time period to the collector ( Central Credit Services LLC ) and sent it certified mail to confirm receipt to indicate this debt was not valid, including that I had detailed notes of my conversations with the original creditor. Within the letter sent to me, it clearly states the following : " If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Months later after never receiving any notification, I noticed when doing a refinance of my mortgage that the collections company had reported this debt to my credit report. When I contacted them to ask about this, the first individual acknowledged that they should have sent me a letter and that it should not have been reported based on that letter. The manager ( XXXX XXXX ) then stated that it was done properly, and that despite the fact that the letter clearly states that " their office '' will furnish a copy of that letter to me, that it was the creditor 's responsibility. I never received any notifications from either, but the main point for purposes of this case is that the debt collector is ultimately responsible for providing that copy in accordance with their letter ( and I presume legally ), and they did not. This complaint is being filed due to the amount of time and energy I have had to spend fighting this inaccurate collection and their violation of procedure, with the net result being the damage to my credit rating.