WillisBack/dataset-financial-user-claim huggingface dataset:
OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.
I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. 

" XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''
Linebarger Goggan Blair & Sampson, LLP is the law firm that is trying to collect an alleged debt from the city of XXXX. I have responded 5 times to the law firm asking them how and what will the city of XXXX or the law firm will take to pay this alleged debt. I am not an attorney so I can not make a legal determination so unless the law firm tells me I don't know how or what to pay the alleged debt. Linebarger Goggan Blair & Sampson, LLP should be liable to tell me how and what can be used to pay the alleged debt. Please see Title 31 section 3124 and Title 18 section 8. The law firm states they got the judge to sign a warrant because I won't pay. Not being an attorney I have several questions that the attorney firm should know, yet they refuse to answer. 

Thanks XXXX XXXX
Please help me to stop a foreclosure that is scheduled for XXXX XXXX. It would be unnecessary and unfair to foreclose while I am still waiting for a response to my appeal of Ocwen 's wrongful denial of my modification request. All I want is a chance to make a reasonable payment. 

I applied for a modification and sent in all the information that Ocwen asked for. Then I was wrongly denied based on Ocwen 's error. 

In a " non-approval notice '' letter dated XXXX XXXX, 2016 ( attached ) Ocwen said I was denied for a modification because my income was too low. The notice says that Ocwen verified my gross income as {$XXXX}. That is completely wrong. 

I had given Ocwen all the papers they asked for to document monthly income of {$XXXX} from retirement income as a retired XXXX XXXX XXXX employee, plus monthly income of {$XXXX} from Social Security ( {$XXXX} per month before deduction for medical insurance premiums ), plus monthly rental income of {$XXXX}. Even if they only count part of the rental income, that is still far more than the {$XXXX} they mentioned. 

So I sent Ocwen a letter dated XXXX XXXX, 2016 ( attached ) appealing the denial and explaining that they had made a mistake calculating my income. 

Ocwen confirmed they received my appeal, and in a letter dated XXXX XXXX, 2016 ( attached ) they said they would send me a written response. 

Since then, my niece has called Ocwen to check if anything more is needed. My niece has been authorized to talk to Ocwen for me since I am XXXX and it is also hard for me to communicate in XXXX. Ocwen has told my niece again and again that no more papers are needed for my appeal. They even told her the file was in the " under writing '' department. 

But we never got an answer or any update about the appeal. Instead, Ocwen scheduled a foreclosure sale for XXXX XXXX, 2016 ( letter attached ). 

Please have Ocwen postpone the foreclosure sale so there is time to give a fair consideration of my application and the appeal.
On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.
I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX XXXX XXXX, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my XXXX   and Equifax credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!
In XXXX of 2013, I received a payday loan from a XXXX XXXX XXXX place at XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN. Since the lapse in time from receiving the loan, I do not have records of communication attempts or record of loan terms. I have no paid in full notice or any documents from ACE. Today, XX/XX/XXXX, I received a call from XXXX, CA XXXX. I was transferred to XXXX XXXX and spoke to a XXXX XXXX. XXXX gave me personal information like past addresses, last four of my social former place of employment, driver 's licence number, bank name and routing number and birth date. She also disclosed a past email address. She told me that I owed XXXX but that her agency would take a settlement payment of XXXX over the next 4 months. I set up payments to start on XX/XX/XXXX. After doing further research, I found that XXXX XXXX was not an official collections agency and found no information online. I called XXXX again to ask for an address, the rep did not want to disclose. I never received any official documents via email as XXXX stated I would.
I have requested multiple times to have Experian remove the address XXXX XXXX XXXX off of my credit report as it has never been my address. I have sent out requests to have this deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested other dates but I don't have the certified mail receipts for those dates. Each time they would send me a letter informing me that I would have to contact the furnisher of the information.
Equifax is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data-furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, Equifax opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID EQUIFAX SEND TO THE DATA-FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with Equifax for being Non-Compliant with the FCRA by not verifying the consumer applications.
From XXXX to XXXX, we repeatedly submitted requested documents and loan modification applications to XXXX consecutive servicers, the last being Shellpoint Mortgage Servicing on behalf of XXXX Mortgage. Shellpoint Mortgage Servicing approved our application for a reasonable loan modification with their standard loan modification in XX/XX/XXXX. After completing the trial period we received the permanent loan modification with contractual terms, conditions and financial obligations we found to be unfair and unjust. However, we accepted the loan modification under duress. We did this because to us this was a continuation of our 10 year struggle to obtain a reasonable loan modification that fairly evaluated the unique circumstances of the causes of our mortgage delinquency. We spoke to XXXX XXXX about our concerns and followed up with a letter and emails to the Shellpoint Loss Mitigation and Escalation departments. To date we have only received letters telling us that they are investigating our issue, but no one has called or written to us for input. Yet to date we have paid the monthly payments of {$2300.00} which we believe is too high for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX on time. This is the reason for our complaint and a request to Shellpoint for a 90-day grace period for submitting our appeal and for dealing with the additional expenses we incurred due to the effect of hurricane XXXX.
On  XXXX   XXXX ,  2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on  XXXX   XXXX  and  XXXX  and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on  XXXX   XXXX ,  2017. T hey told me that I had to call the IRS or  XXXX   XXXX   XXXX   XXXX  to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and  XXXX   XXXX   XXXX   XXXX  to get our funds. Finally, on  XXXX   XXXX ,   XXXX  , Navy Federal Credit Union was willing to tell me that I had to get  XXXX  &  XXXX   XXXX  to send them an Indemnity letter to release the funds. On  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   sent the letter at  XXXX  and at  XXXX  and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on  XXXX   XXXX  and  XXXX  to see what I can do to get the funds released. They said they need  XXXX   XXXX   XXXX   XXXX  to send another letter when the full amount is available to be withdrawn.  XXXX  &  XXXX   XXXX  is refusing to send another letter stating the same amount for The  Federal Refund,   which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to  XXXX  and  XXXX   XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.
A Discover Card solicitor called me around the beginning of XX/XX/XXXX in order to transfer two of my credit card balances to their card for a onetime fee and a 0 % interest rate for the life of the card which I agreed to. Upon receiving my first billing statement I discovered that my monthly payment was to be 2 % of the unpaid principle balance which was more than what i was currently paying for the other two credit cards. I would have never agreed to those terms if i was informed of them initially, which i was not. I immediately called and spoke to a Discover rep who stated that she would pull and listen to the original conversation then get back to me. I never received a follow up call. Upon calling them back I was then informed that they only keep the calls for 30 days and they no longer have my call on file. I requested that i speak to the rep who originally took my call when at that time they further explained to me that they do not keep records of who customers speak to when they call in. I had to reiterate my concerns and frustrations once again which they ultimately told me that the terms are what they are and I basically have to agree to them and start making payments which I refused due to the gross information that was initially conveyed to me. I truly feel like i was told half the story with no initial payment details being disclosed and Discover Card is turning a blind eye with ZERO personal accountability. I hope and pray that your institution will be able to aide me in remedying this matter. Your time and efforts are beyond appreciated. 

XXXX XXXX Cell XXXX
I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?
I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Discover card services has repeatedly given me incorrect and misleading information. Through their online messaging service which I have copies of and also when I called to speak with a customer service representative. I was told 3 different times there was no fee to take a cash advance from my card. Only a higher interest rate of 24.99 %. After I finally made a cash advance for {$2500.00}, I noticed I was charged {$120.00} or 5 % of the amount. I explained to them I was n't advised of this fee and I would like it reversed. i also explained that had I know of this fee, I would not have taken the cash advance. They just keep telling me it 's in your card member agreement which I received years ago. They fail to be responsible for their poorly trained representatives who are giving out false and misleading information. They also told me in writing on their messaging service that my cash advance limit is 21 % of my total credit line and if my line increases, my cash advance amount will increase. This is not the case, because they increased my line to {$14000.00} and my cash advance limit is still {$2500.00}. Now they are saying it is 17 % of your credit limit. That is also incorrect. The cash advance limit on my account is {$2500.00} no matter what my credit limit its.
I am submitting this complaint about experian credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.
I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?
Mr. Cooper is the new servicer for my mortgage. We pay PMI until the loan is at 78 % and than PMI should have been removed. We reached that threshold two months ago. Servicer will not remove PMI because they are stating it is not set to be removed until middle of 2018. We have always paid extra on our monthly payments.
On XX/XX/2018 my mother received a phone call ( which went to voicemail ) from XXXX for me regarding important legal paperwork that I needed to sign. My husband, XXXX XXXX, called them back on my behalf. He was transferred to someone who said their name was " XXXX. '' XXXX implied that a lawsuit had been filed against her regarding a credit card debt from Chase Bank that is more than 10 years old. He said we could go before the judge to dispute it. Originally, he said that he worked for a company called XXXX or something like that. He said the suit was filed by " XXXX XXXX XXXX. '' XXXX said that they tried to serve my wife papers at an address that she no longer lives at. They did have our current address, so why they didn't try that too is beyond me. 

My husband told XXXX that this debt was over 10 years old and well past the statute of limitations for collections ( which is five years here in Florida ). XXXX said that his company would send us some paperwork in the mail. When asked him for the contact information of the company he was calling on behalf of, he would not give it to us. He repeatedly asked for this, but XXXX refused and hung up. 

My husband called back and asked a woman who answered what company this was that he was called. She said " XXXX XXXX XXXX. '' He asked her to please spell that. She just repeated the name. He asked her over 10 times to please spell the name of the company, which she finally did. She would not give out any other contact information about the company. She then transferred him back to " XXXX. '' Keep in mind that XXXX said he worked for some other company that was hired by XXXX XXXX XXXX. XXXX refused to provide any further contact information and hung up. 

My husband called back again, but to a different number provided in the voicemail, XXXX, It went to the same place as the other number. He asked the man who answered for the address of XXXX XXXX XXXX, which he refused to do. Eventually, the man said that the company had " three offices '' and " which one do you want? '' My husband asked to know where the offices where so he could get the information on the proper one. The man refused and hung up. 

Everything this company is doing is illegal. EVERYTHING. We don't want a response from them, we want them shut down. If they were calling us from outside of Florida, they are most likely committing federal crimes.
I have moved out of the state wh ere Zions Bank ( Utah ) is locate d. I tried to call and close my checking account and line of credit account.     I dont have the exact dates of calling because I have had to call many time to this point and was given bad information that I had to piece together to know how to close both of my accounts.   I was told the only way to close my accounts was in person at " only '' the branch  at : Zions B ank,  XXXX   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX  or to mail a notarized letter only to that branch. From  XXXX   XXXX , 2017-  XXXX   XXXX     2017 I ha ve receive d 3 fees (   XXXX  on   XX/XX/XXXX ,   XXXX  on  X/XX/17   ,  XXXX  on  XX/XX/XXXX  ), which has made the checking account go into a negative balance. As a result I have had to transfer funds into my checking and line of credit to bring the account balance to  XXXX . So the negative impact to me is the longer the account is not closed the more fees I keep having to pay when the checking account goes into the negative.     I sent a notarized letter USPS on  X/XX/2017   ( tra cking #  XXXX   ), it  was signed as received at the bank branch on  X/XX/2017   . I tried to call the bank branch but when yo u google sea rch you get a result to call  XXXX  which is a call center. I called many times on  X/XX/2017    and on  X/XX/2017   . The call center told me they can not get a hold of the branch either. The call center gave me a second #  XXXX  which they told me is the branch. I called that and it goes to the call center.     I asked every single person at the call center to close my account. Their response it they can not and only the actual branch can where the letter was sent. However, me and the call center  for two  straight days including a Supervisor at the call center could not reach the branch. The supervisor said she would email the branch and also open an internal complaint. I ga ve the Supervisor my contact information. I have many issues : 1 ) I can not close my acco unt over the phone when I now live across the country. I do n't understand why I can access the account, verify my identify and make all other adjustments but can not close the accou nts. 2 ) I was given bad information. 3 ) I was told only one branch can actually close the account and the   notarized letter can only be sent there, I do n't understand this because now my letter is only in the hands of someone at a branch and not a call center, corporate office, mail center, etc.  4 ) Myself and their call center employees could not get a branch employee on the phone for two straight days, every time we ( me, the call center ) it r olls back to the call center.     I feel like I am not able to close my accounts and it is costing me fees and time. I am not any closer to having the accounts closed and no one at the branch called me to inform me since receiving my letter the accounts will be closed.