WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was with a company named XXXX. After filing bankruptcy discharged in XXXX XXXX we applied for mortgage modification in XXXX XXXX. After 9 months of supplying information we were approved for the modification. Our XXXX trial payment was due XXXX. We sent our first trial payment to XXXX. They received the payment before the due date as the record shows and cashed our check. Unknown to us, the mortgage was transferred the same day of the due date of the first trial payment XXXX XXXX XXXX XXXX. We were not notified of the trabnsfer until later in XXXX. We sent the next trial payment due XXXX XXXX. to PHH Mortgage they received the payment on time and cashed the check as the record shows. Our third trial payment was due XXXX XXXX. I called PHH on XXXX XXXX. and with the assistance of XXXX XXXX I made the third and trial payment with an ACH check which I will attach showing PHH received it on XXXX XXXX XXXX XXXX and the funds were transferred to their bank account on that date. After much confusing and misinformation by PHH we received the attached letter dated XXXX XXXX, XXXX saying they are honoring the terms of the modification in paragraph XXXX, upon receipt of the XXXX trial payment. They had already received it. We want them to comply with their commitment to honor the terms of the modification. The terms were met. Also the terms of the loan modification state the insurance and taxes are included in our payments as the record shows. This letter states in paragraph XXXX, XXXX failed to inform PHH of the loan modification. They also failed to notify us of the mortgage transfer in a timely manner. Also in the attached letter dated XXXX XXXX, XXXX, she states the record shows we appied for mortgage assistance with PHH on the loan. This is false as we had already been approved. I was asked if I wanted to apply on this loan and I said no as we were already approved. Their is nothing in the record showing we applied for mortgage assistance on loan # XXXX. The statement in paragraph XXXX is false in saying we applied.The " package was incomplete '' because their was n't XXXX. We just want to get on with our lives as this has been going on now for over a year. They need to do what they say they are going to do. Please see attached trial agreement with XXXX showing the XXXX trial payments are due on the first of the month starting XXXX XXXX. XXXX. The letter from XXXX XXXX, XXXX from XXXX XXXX stating they are honoring the terms of the modification. The ach check to PHH drawn from our bank and into theirs XXXX XXXX st. the due date complying with the terms of the agreement. XXXX XXXX told me to send the same amount of the trial payment for our regular payment XXXX XXXX. which we did and it was returned to us. They have said they will accept no more payments. I will also attach the original trial payment agreement with XXXX showing the payments were due on the XXXX XXXX of each month not the XXXX. as stated by XXXX XXXX with PHH.
My husband and I had a VA mortgage through Freedom Mortgage from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XX/XX/XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.
My bank does n't send information quick enough to  XXXX  app. That 's my money. No excuse.
XXXX XXXX turned over an already paid bill to Online information to collect an already paid bill. XX/XX/2015. The bill was paid in full in XX/XX/2015 by Property management company In XXXX XXXX, Fl I never received anything from XXXX XXXX or Online stating that my bill was still open. I have receipts showing that its paid. I found this on my credit report which is completely false. amount {$180.00}
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ].  You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX Account # L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXXXXXX XXXX   Account # L XXXX account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from factortrust on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for discover bank on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX credit on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!
My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.
I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open.
XXXX, Equifax and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Equifax is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, Equifax and XXXX. However, they have yet to MASK these items, from my Credit Reports.

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, Equifax and XXXX. XXXX  and Equifax REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint.

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, Equifax and XXXX  IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
I XXXX XXXX XXXX filing a complaint with the Consumer Financial Protection Bureau against a state agency that is operation outside the legal requirements of the Fair Debt Collection Practices Act. The debt in question was originally procured with XXXX Student Loans. Now there is no knowledge of what entity owns the debt because the debt was private and sold off into a securitized trust. The New York State Higher Education Services Corporation claim that they purchased a privatized debt. They have shown no proof of ownership, nor can they show ownership. They are essentially operating as a debt collection agency, fully outside the constitutional limits of a state to maintain a separate collection service for private debt they have XXXX collateral interest in. Accordingly, I demand an immediate cease and desist on all calls to my home or work, and the only correspondence I will accept is proof of ownership of a debt is impossible to own. The NYSHESC state on the attached letter that they purchased the debt from XXXX Student Loans. This is a complete falsehood that can not be proved. I demand an immediate cease and desist from this state agency immediately and permanently.
I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates. 
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX. 
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?
On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my account.
Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
Yesterday I received notice from my bank about an overdraft. I have been XXXX since XXXX and I have to be sure each month to budget my spending. As far as I was aware my mortgage is {$720.00}, but I have been paying an extra {$20.00} a month because my home insurance went up last year around {$200.00}. My account was drafted {$760.00}. I did not receive an XXXX bill or a letter about my mortgage payment increasing ; therefore, my bank account did not cover my increase payment of the extra {$20.00}. I was charged an overdraft fee of {$38.00}. Today I called my mortgage company, OCWEN to enquire about the new mortgage amount. The OCWEN representative stated it was due to my escrow shortage. I could not believe what he was telling me. On XXXX XXXX, XXXX I received a refund check from OCWEN. I called OCWEN before I cashed the check in order to know the reason I was receiving the {$430.00} check. I was told that they had to send me a refund for the overage in my escrow account. I told them that I wanted to be sure due to the ordeal I went through with in XXXX XXXX. They had claimed my payment was late and sent me threatening letters about foreclosure procedures. I had never missed a payment, or been late on my mortgage. I complain through CFPB [ # XXXX ] & OCWEN took the late fees off & did not report a miss payment to the credit bureaus. 
The representative told me TODAY that I should have not cashed that check and I should send it back. They are trying to ruing my credit. I applied for a HARP loan through OCWEN and was denied because the said my nontaxable income was more than enough to pay my bills. They claimed by law they had to add 25 % to my income for qualification purposes. I do not understand how I could have a {$430.00} overage in my escrow on XXXX XXXX, XXXX and evidently XXXX weeks later, I have a {$250.00} escrow shortage. OCWEN did not send me an XXXX XXXX payment statement or a letter stating an escrow shortage..
In XX/XX/2016 I closed an account with American express ( card ending in XXXX ). The bill was due on XX/XX/XXXX, but I called them on XX/XX/XXXX and asked them to give me the actual balance including fees and interest. I wrote a check for the amount requested, they received the payment on XX/XX/XXXX and the account was liquidated. On XX/XX/XXXX, I received an email notifying me that I was delinquent on a payment on the same account and there were also late fees applied. When I called Amex to discuss the issues they had me going in circle, promised call back from supervisors but unfortunately no resolution was offered. They ultimately claimed that the difference was due to residual interest and there was no way to remove that charge. On XX/XX/XXXX, I end up paying {$20.00} to avoid further delinquency reports on my credit record but I think these practices are unfair and trying to resolve them is nearly impossible and a time consuming proposition. I decided to close all my personal American Express accounts and to avoid doing business with them in the future and I invite all other costumers that have experience similar issues to do the same.
My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help
I have a checking account at Bank of America. I unexpectedly had XXXX charges put through which overdrafted my account. But I covered them within hours with a transfer of {$100.00} from another account, plus a cash deposit at the bank 's ATM of {$60.00}. But the bank still put through XXXX {$35.00} overdraft fees. This resulted in a negative balance again because the bank rearranged the charges to my account from high to low and I accidentally paid for a coupon to fill a prescription drug on a website called XXXX XXXX. The website automatically stores credit and debit card numbers and I accidentally hit the debit card number to my checking account and a {$28.00} charge was put through my account which overdrew the account even more I do n't have any more money to bring my account back to positive territory. I will be getting an extended negative account balance charge in five days that I wo n't be able to cover. I called customer service at the bank to ask them to remove the overdraft fees because I had covered them within hours. They were very cold and cruel and refused. 

I have no money to buy food or pay for my prescription medications. Please help me. I am living on Social Security XXXX and have a XXXX illness.
APPLIED FOR A PERSONAL LOAN ON XX/XX/2013. I WAS A MEMEBER OF THE XXXX. RECEIVED A CALL STATING I WAS APPROVED FOR XXXX UNSECURED LOAN. AT THE SAME TIME I HAD LENDING CLUB WHICH FOUND OUT LATER IS LIKE A MONOPOLY OF FINANCIAL INSTITITIONS ON THE WEBSITE SCAMING CONSUMERS. I WENT IN AND WHEN THEY DFOUND OUT I HAD XXXX MORE PAYMENT LEFT TO PAY OFF MY CAR SHE INCREASED THE PERSONLA LOAN TO XXXX. SHE OFFERED AS A GOOD GESTURE TO TAKE MONEY OUT OF MY LOAN ANDD SENT XXXX A CHECK SO I DID NOT HAVE TO DEAL WITH IT. AT NO TIME DID SSHE SAY SHE WAS GOING TO USE MY CAR AS COLLATERAL. I NEVER RECEIVED MY PAPERS THE DAY I SIGNED THEM. I WAS TOLD IT WAS AGAINST THE CO POLICY. I PURCHASED UNEMPLOYMENT INSURANCE BUT WAIVED LIFE INS. LATER ABOUT XXXX DAYS I NOTICED THAT THEY WERE THE LIEN HOLDER. I EMAILED XXXX TIMES. NO RESPONSE. I FILED COMPLAIN WITH XXXX, CONSUMER PROTECTION BUREAU. ALL HAVE BEEN IGNORED BY THE COMPANY. THEY CLAIMED THEY DID NOT KNOW I WAS A XXXX. WHEN I FINALLY RECEIVED PARTIAL PAPERWORK COPY OF MY MILITARY ID WAS IN THERE. ALL APPLICATIONS WERE BLANK. MY DMV PAPERWWORK WERE BLANK. IT WAS LIKE I WAS ORDERED FORMS. I AM PAYING OFF A XXXX LOAN. THE ORIGINAL WAS XXXX MY ANNUAL PERCENTAGE IS 33 %. THEY HAD THIS IN MY CREDIT REPORT UNDER A CAR LOAN WHICH ATER MONTHS OF SCREAMING THE DI CHANGE TO PERSONAL LOAN. PLEASE HELP ME OR STEER ME IN A DIRECTION SO I CAN GET JUSTICE. I AM NO LONGER TO THE MARINE BELOW. AT THE TIME I WAS LEGALLY MARIED. I AM NOW REMARRIED AND I AM ALKSO A XXXX NOW
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX the accounts are not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from Equifax, XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
I had 12 payments to XXXX credit cards totalling over {$1800.00} returned from CHASE saying CUSTOMER advises not authorized. I went to Chase, was told to call Fraud at XXXX and ask fir US Supervisor. Was on hold for 20 minutes then disconnected, called back on hold for 35 minutes and still waiting.