WillisBack/dataset-financial-user-claim huggingface dataset:
I have already described in much detail what has happened. I will however attempt to restate and add more details. I had mortgaged two properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for XXXX mortgages via two different previous loan servicing companies. 1 ). One of the mortgages was modified by Ocwen. On this mortgage I feel Ocwen unjustly added an additional approximately {$19000.00} to my principal balance even though my loan was paid current with previous loan servicers until the year of XXXX. That was about two years of payments made on time until that point. I had financial difficulties in XXXX to XXXX primarily and sought modification on my mortgages. 2 XXXX. One company Litton did modify but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Again before the modification I had paid approximately 2 years worth of payments on time before my financial difficulties developed. 3 ). The next property was mortgaged and serviced in XXXX by XXXX after several previous mortgage companies had owned the loan. XXXX sold to Ocwen. Representatives from XXXX told me my loan was modified. I had not received written clarification on this and I continued to pursue this documentation. I was eventually told XXXX sold all of its company mortgages to Ocwen and I could not any longer contact XXXX when XXXX phone number instructed I should now contact Ocwen. This is the loan I believe maybe have been re-modified by Ocwen. This is the loan mentioned above that added an additional {$19000.00} to my loan and did not inform me that this action would result in the addition to my principle. As previously stated, Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 4 ). Ocwen would report me as late within 30 days after the month I was late with payments up to 89 days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on XXXX loans, Ocwen can not report my payments paid since the last four months. All three credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the three credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within 30 days after I was late for over 30 days Ocwen can report in a timely manner when I have paid on time. Thank you for reviewing my complaints.
I ordered a XXXX dollar 7-day trial. I was then charged XXXX for a 3 score product. I never said yes to this charge or authorized this company to charge me for this product.
I was contacted this Morning by XXXX with Rauch Milliken International Collection Services.regarding a debt that isn't owed by XXXX, XXXX We advertised with XXXX  XXXX  for a short period 2018. The account was turned over to a collection Agency for a debt that isn't owed. XXXX XXXX the account representative for XXXX ran radio advertisement with out my written authorization for a extended period. 
Correspondence was sent to XXXX  accounting dept.stating we did not approve the advertisement to continue to be ran. XXXX  account representative XXXX XXXX is operating and selling advisements with no honesty or integrity. I also never received correspondence validate this debt as required by law after being informed I have 5 days to resolve this matter before legal action is filed.
I had hurricane damage to my home and received money from my insurance company to make the repairs. Flagstar has held these funds unnecessarily and repeatedly failed to answer my questions or to follow up with me on concerns that I have raised. The main contact I have been dealing with is XXXX XXXX XXXX, who takes weeks after my continued emails to respond to me. I am having to drain my own bank account to pay the roofing contractor to make the repairs, which is entirely unnecessary.
My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent
My homeowners insurance was due on XXXX, I received a bill from the insurance company on XX/XX/XXXX saying it was still due. So I called Fifth Third Bank to find out what was going on. Well they sent the check to someplace in Missouri not affiliated with my insurance which is XXXX, located in XXXX, MI which is clearly stated on the bill. To make a long story short they assured me they would reissue the check. On XX/XX/XXXX I decided I had better call the insurance company to find out if they had received the payment, they had not. So I TRIED calling several times over several days to get ahold of someone at Fifth Third, always put on hold, twice up to 40 minutes. Noone will answer, so frustrated I went to the local Fifth Third branch in XXXX, IN where I live and talked to the branch manager, XXXX XXXX, who after trying herself to reach someone was not able to do so. She looked me in the eye and swore she would call me back that same day, not tomorrow not next week, that day, and she would not go home until it was resolved, hahaha!!! It is now XX/XX/XXXX, I just got off the phone with my insurance company and the bill still has not been payed, so I made a partial payment so as not to get cancelled by the insurance company ( {$210.00} ) I am at my wits end, I have done everything, I pay my bills on time and for them not to answer the phone and lie straight to my face and not even call me back, I mean what am I supposed to do?
XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late
Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.
This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.
I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.
In XX/XX/XXXX we applied for a loan modification due to my husband 's unemployment and he had to have XXXX. US bank waited until XX/XX/XXXX to finally get back to us with less than a week for us to respond to their offer. The offer was reduced payments starting XX/XX/XXXX, but now husband is back to work and we do n't qualify for that. We tried several attempts to contact them. The woman that we are supposed to be talking to finally call us back and said she would fax a new form for us to apply for, but we have n't got. The deadline in XX/XX/XXXX We are willing to pay our mortgage, but we need help for the past months that we did n't have the income to pay it. It feels like they are playing games with us and setting us up to fail.
While checking my credit score Experian is showing a lein on my home by XXXX. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.
My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.
Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.
I paid a medical bill for my son to  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  in the amount of {$350.00}. On  XXXX / XXXX / XXXX , I received a bill from a collection agency for the same amount. I have tried contacting the company by phone to remedy the situation.
Debt collection for an old credit card debt, XXXX XXXX XXXX has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good for ten minutes. Since then I have received repeated charges for products that I did not want or believe I ordered, again a fraudulent scam that is trying to take advantage of consumers. There are a multiple different names of merchants and phone numbers that do not match. When I called XXXX XXXX-XXXX-XXXX, they said the only charge they have on file was an essential oil that I ordered on XXXX on XX/XX/XXXX, which I used my XXXX XXXX credit card for ( have proof in my possession ). They will tell you that the other charges on my XXXX XXXX  XXXX card are not from XXXX, and can not explain where the other charges came from. I have been completely scammed, taken advantage of, and have fraudulent charges on my XXXX XXXX XXXX credit card due to a XXXX ad scheme. There is a second charge of {$6.00} on XX/XX/XXXX with no explanation when the XXXX ad said there was a shipping and handling charge of {$6.00}, never saying two charges. When I called XXXX XXXX XXXX-XXXX-XXXX, they said that I had ordered an essential oil on XXXX, which is true, but I honestly believed I was ordering a free oil and serum, paying only one charge of {$6.00} and that was it. They claim that I enrolled in a program to regularly receive their product, which I honestly swear I did not do nor believe I did. I do not want and have never wanted any program of products. After doing my own investigating, although the merchant names and phone numbers do not match, I believe all of the charges are coming from XXXX XXXX XXXX-XXXX-XXXX. ( The real name of the company may actually be XXXX XXXX XXXX, although no XXXX XXXX credit card statement ever lists that name at all. ) I have charges on XX/XX/XXXX of {$69.00}, XX/XX/XXXX of {$59.00}, XX/XX/XXXX of {$69.00}, and XX/XX/XXXX of {$59.00} that should not be there. The same merchant is also listed as XXXX on my statements as well. I did receive two packages, tracking number XXXX and XXXX, which I believe are the XX/XX/XXXX and XX/XX/XXXX charges and wrote Refused. Return to Sender. After continual contacts with the merchant myself, I did received the XX/XX/XXXX and XX/XX/XXXX charges returned to my XXXX XXXX  XXXX credit card. I desperately need all my money returned to me, as I have never had any intention of ordering products and did not believe I signed up for anything. I honestly have not received any other shipments, and when I asked the merchant for the names of the products I supposedly had received they refused to do so. I have repeatedly contacted XXXX XXXX, had to fill out a lengthy report, and have been repeatedly told that they are going to do nothingthat I received some of my money back. ( All money I have received back has been due to action taken on my part. ) XXXX XXXX  keeps telling me to contact the merchant, and the merchant keeps telling me to contact XXXX XXXX.
Experian is reporting an account ( the only bureau of the XXXX major ) for XXXX XXXX / XXXX XXXX XXXX as delinquent in 2015. The store is not even in existence. It closed years ago. I paid off and settled the account 5 years ago. They continued to show late payments as early ago as last year. They do show it was settled but they have the wrong dates and the wrong status after. This is hurting my ability to get a home loan and it is incorrect.
This complaint is in response to another complaint I filed previously in that  Sallie Mae r efused to give me information about my cosigner release., this is NOT a duplicate complaint. The first complaint got me that information now I am filing this complaint in that I think  that Sallie Mae 's P olicy on debt to income ratio is calculated incorrectly. They are currently telling me that they calculate my debt to income ratio by taking my full loan amount and d ivide it by one ye ar of my income. Now the reason I am questioning this policy is that with every other loan I 've ever dealt with the debt to income ratio is calculated by taking the full loan amount and dividing it by my income for the life of the loan or by taking the monthly loan payment and dividing it by my monthly gross income. When I questioned  Sallie Mae abo ut this they stated that is not how they do it without giving any more reason than that. I think that without being able to legally prove their policy on debt to income ratio, or provide any paperwork showing I agreed to it, that they need to calculate debt to income in the same manner that the rest of financial institutions use.
I took out a {$400.00} loan on roughly XX/XX/2017 under the guise of a high interest rate and {$120.00} payment per pay period but now I am being told the {$400.00} payday loan will end up being {$1400.00} with interest! Even if paid it off early. 

Right now my total amount due is supposedly {$800.00} and thats {$400.00} principal and {$400.00} interest! 

I have revoked ACH authorization from the group ( after reading stories of similar situations ) and will be happy to settle this matter but not for {$1400.00}. That has to be illegal. I feel based on similar type loans that {$500.00} would be fair in payments I manually initiate every 2 weeks when I am paid. 

Through further research I have discovered that this group is facing multiple class action lawsuits. XXXX XXXX XXXX Thank you
I 'm having issues with multiple overdraft fees. Especially at the end of the month. I am trying so hard to get it all figured out but this month I made multiple mistakes. I really think these fees should be per day and should not be more than the transaction. Come payday I 'll will cry as so much is taken from me especially little petty withdarawals that I wonder how they even got approved. It is so sad that these big ceos get filthy rich on the little guys mistakes or minor lack of funds. Can you please help stop this continuous issue every month. I can not keep up if they keep taking XXXX or more dollars I can feed my kids with. I am on XXXX and my husband is working as much as possible. I made the mistake this month but all I 'm asking for is a little forgiveness to try to overcome this.
I logged in online at XXXX to pay my XXXX XXXX card and it wouldnt let me choose XX/XX/XXXX ... I could only choose the next day. I looked and to my dismay I had to login by XXXX. I went ahead and made my payment and sent them an email my daughter was sick anf being doctors was closed had to take her to stat care, therefore, it slipped my mind until I got her home. They replied I had a fee off last XXXX and wasnt eligible. I last year battled XXXX and forgot on a XXXX XXXX..I cant believe they dont care about a VERY GOOD customer. It was such a canned response. I believe they should remove my fee ... for Gods sakes its been a year! Its bot like i dont carry a balance, believe me they make money on my interest. I would like them to reconsider removing any fee. Thank you
ON XX/XX/2018 RECEIVED AN ALERT THAT A CHANGE TO MY CREDIT REPORT HAD TAKEN PLACE! ... .INVALID INQUIRY ( LISTED ON CREDIT REPORT ) FROM APPARENT UNKNOWN RESOURCE!! I HAVE NO DEALINGS WITH COMPANY IN QUESTION. NO APPLICATION FOR EMPLOYMENT, CREDIT, ETC. EXIST!! 

INQUIRY LISTED AS : XXXX XXXX UTILITIES AND FUEL XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCORDING TO XXXX XXXX, THERE IS NO RECORD OF SUCH ENTITY!!
Back in XX/XX/2016. I was approved from FLORIDA HARDEST PROGRAM, which reinstates my Loan to its Original Principal Balance ( {$87000.00} ), which includes installments of principal, interest, insurance premium, escrow amounts for taxes, homeowner association fees. 
But Nationstar / Mr. Copper did not hold up their end of the deal as per the Rider to Promissory Note provided by Florida Hardest Hit Program. They have refinance a totally different amount ( {$100000.00} ), plus they have kept the homeowners association fees to them self ( {$10000.00} ), instead of paying my Association, who is now declare a foreclose on my property due to the bank never reimbursing my Association fees.
On XX/XX/XXXX I submitted a rental application to XXXX XXXX at XXXX in XXXX XXXX, IL. Their 3rd party vendor, On-Site ran a background check if my rental history which discovered an eviction/judgment XXXX that was reported in error on XX/XX/XXXX. This information has successfully been removed from my credit bureau reports and XXXX file as I was able to prove the case was voluntarily dismissed by the plaintiff, XXXX XXXX XXXX dba XXXX XXXX XXXX. I still currently reside at this same address until my current lease expires XX/XX/XXXX. I immediately filed a dispute with On-Site on XX/XX/XXXX, Dispute # XXXX, providing a copy of my recent XXXX credit report that they used to show this is inaccurate. On XX/XX/XXXX, On-Site responder that they have finished their investigating but would not be removing the inaccurate finding. This has delayed my search to find new housing as my current lease is voluntarily expiring and I require relocation. On XX/XX/XXXX I submitted a 2nd dispute with On-Site Dispute # XXXX, this time I included a copy of the voluntary case dismissal and agreement from XXXX County Circuit court signed by myself and the former property manager, XXXX XXXX. The very next day XX/XX/XXXX, On-Site responder again, that they will not update their records and have informed XXXX XXXX at XXXX that they will not update their records. This is very unfair as the information is inaccurate and is causing me to not be able to secure fair housing. I do not know why they refuse to make the updates when I have supplied sufficient evidence. Please assist with making this correction. My daytime phone is ( XXXX ) XXXX.
I've tried to have my Equifax credit report pulled by multiple companies. ( XXXX, XXXX XXXX and XXXX XXXX and none of these companies are able to pull my report of see my score. Ive contacted Equifax numerous times and they can't see where there is a hold or fraud alert on my account.
I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.
XX/XX/2018 XXXX - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX   is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.
I have been being garnished since XX/XX/2013 from this company. They continue to resubmit to the court a request for garnishment and then add on their lawyer fees and filing fees to increase my debt. Thus, perpetuating my debt to the Portfolio collection company. The original debt was to XXXX XXXX and I have not received any written notification of the legal actions being taken. I am only aware when I get a letter from my employer stating the court mandated garnishment. This debt is also more that six years old. RCW 4.16.040 states that six years is the statute of limitations on debt collections.
There were no fees associated with this account for over a year and I had stopped using it often. On XXXX XXXX I then noticed that I was being charged a monthly fee that began in XXXX 2016. I was not notified of this change and I did not agree to be charged a fee. If I would have known about the fee I would have closed my account in XXXX. I requested a credit to my account from AmEx Customer Service and was denied by a XXXX level manager.