WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is that I have documentation with a final payoff statement that took me XXXX separate requests to obtain ( good through XXXX XXXX, 2015 ), my checks that were cashed ( written XXXX/XXXX/15 and cashed XXXX/XXXX/15 ) and the final {$41.00} fee for transfer and release of title, yet Freedom Mortgage refuses to close out the mortgage loan and is now charging random and ever-changing amounts to close the loan. They cashed, but have not applied the {$41.00} check, nor have they sent it to the county. Their own continued statements indicate no further principal or interest owed. Their documentation and billing has been inconsistent, causing me to pay a late fee of over {$50.00} at one point, despite making double payments, early payments, and paying the refinance off years early. Their own agent, badge # XXXX, verified that a system error had not credited payment properly and that the escrow for taxes was fully paid as well. He assured me that the {$41.00} fee and charge that was listed without explanation was, in fact, for the transfer of title deed needed to closeout the loan and that would be forwarded to the county. He clearly stated and restated that the {$41.00} fee was the only remaining amount owed to close out the loan. They have excessive hold times of over XXXX mins, refuse to answer questions, provide competent assistance and hide behind layers of voicemails and automated options. I asked to speak with a manager and was told he " did n't know if one was available. '' I was transferred to a voicemail, left a message and a full week later received no response, no email, no call back. The automated balance, written balance, on online balance all reflect differently. In XXXX, I checked with the county and they indicated that the mortgage company had not yet forwarded {$41.00} payment ( made on XXXX XXXX ), they advised that I investigate, as the company had a limited amount of time, less than 60 days, to transfer title, or they actually owed us {$500.00} by law. When I called Freedom Mortgage last week and spoke with badge # XXXX and # XXXX, I was given yet a third amount that I owed, another amount of late payment now appears on my credit report, and I am justifiably XXXX. I want this resolved immediately, and this company audited, as I see numerous similar complaints about them online. How is this possible?! It is mob-like behavior and somehow they are getting away with it! My husband is a XXXX veteran of 26 years and it is soundly unfair that he be treated this way. The false billing smacks of mail fraud and the lack of response from the company, the lack of investigation is disturbing. I request that a certified accountant look into their business practices because it appears that this company is manipulating funds.
Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.
I took out a loan with AmeriCash on XX/XX/XXXX. I was making payments every 2wks which I believe I have paid off the actual amount loaned & only owe interest. My last payment was XX/XX/XXXX. I'm having financial difficulties & I do intent to pay but they keep calling and harassing me. I mailed them a certified letter on XX/XX/XXXX which was signed letting them know to seize contact at work or by phone & that I will resolve the issue. They keep calling me at work, home, and a few days ago they even went beyond that & called my brother telling him that I was in bad shape or something which freaked out my brother not knowing if something had happened to me.
I do n't know why these are on my credit score. 
These are n't my debts
I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the collection company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, drivers license, cover letter and they continue to inaccurately report this account on my credit report. 

I demand that they remove this fraudulent account from my credit report. 

The collection company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. 

Account : XXXX XXXX XXXX
I have been receiving steady flow of junk mail from Citibank credit card about 0 % and other unsolicited offers. I have called and told them to stop. They stop & the next year again I get this junk mail. This will have to stop or I will be forced to initiate legal action.
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, Equifax, XXXX  and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
An unauthorized credit inquiry was made on all XXXX reporting agencies by capital one. I continue to get solicitation from this company even after I requested that they stop
I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
On XX/XX/XXXX. I made a payment of {$1000.00} US dollars to my car loan. About 30 days later the loan went from {$9000.00} to {$9500.00}. That is a 6.6 % per month, or 79.2 % annual percentage rate. 
I would like this loan to be review, because, since XXXX we have paid {$19000.00} onto the loan, that it was originally {$17000.00}.
XXXX XXXX called my job togs my boss they were on their way to pick me up to take me to jail. Caused a huge scene and nearly coast me my job all for a charge that was't mine.
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Period Ru le ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
On XX/XX/XXXX I was effected by Hurricane Harvy. I contacted my mortgage company and they put me on forbidden plan. We agreed that, I will have 4-6 months to pay my balance. On XX/XX/XXXX I called the bank to discus my account info and they asked me if I can make any payments, so I decided to pay a good faith payment of {$3500.00}. On XX/XX/XXXX I called and I paid {$7000.00} which is 14 days before my payment that scheduled on XX/XX/XXXX I was surprised that, they reported me as past due 60 days and that effected my credit score. I do not agree with that at all. My credit report was mentioned as effected by natural disaster and I lost my house and business. I made my full payment and bring my account current. There is no reason to be negative reported. All payments and pics are available and were uploaded. This negative report will raise the risk of me been past due in the future. I may loss my work and this could lead to struggling for the future payments.
Having participated in Credit Counseling XXXX XXXX, which I do NOT need, on or about XXXX XXXX, I submitted Ocwen Loan Servicing, LCC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX via certified mail my loan modification package. XXXX XXXX, I wrote Ocwen the reason for the delay of my loan modification to no avail. 
1 ) Since Ocwen ignored, were stalling my loan modification, I wrote Ocwen a letter of my intention of a loan modification. 
2 ) Contracted with XXXX - XXXX Home Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX and completed said modification on or about XXXX XXXX. Note : The representative involved in the modification process informed that I did NOT have to or make any mortgage payments being the fact of the modification loan in process. 
3 ) Representative later informed me that my modification loan was prepared by " XXXX XXXX XXXX '' which required me to correct the Cashier Check instead of XXXX. 
4 ) Since the onset of the modification process, I received calls, letter of notices of Foreclosure, loosing my property if delinquent payments were not met etc. 
5 XXXX Learning from XXXX XXXX Bank - XXXX OH, Ocwen disclosed derogatory information with numerous credit bureau 's resulting denial of my credit application. 
6 XXXX As of this dated report, a " Partial Payment Agreement '' was not disclosed and do not know what it referenced to. 
7 ) It is my contention that Ocwen Loan Servicing , LLC and the Debt Collection Division of Ocwen failed to communicate with me, the mortgage account holder. 
XXXX ) Combination of mortgage payment/ derogatory reports to the credit bureau 's, Ocwen Loan Servicing and the Debt Collection Division are not responding the issues I am concerned with, hereby requesting the assistance of the CFPB.
I financed flooring and installation from XXXX XXXX in XX/XX/XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}. <P/>Once I received an invoice from Synchrony Bank the amount was much higher than my estimate. <P/>I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank. <P/>I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX. <P/>I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service. <P/>Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
I am very concerned that this bank engages in deceptive practices by using certain language and not using other language In order to get customers to both open and keep open the account so that they may incur uneccesary fees. This bank claims that in its terms and agreements it outlines that if you make a Single late payment not including it a recurring credit bureau audits it can and will decrease your credit limit. This action adversely affects the customer. The company claims its in its terms and agreements, how convenient. How can a company charge a late fee 1 day after the due date when they dont offer any alternatives to the customer to avoid making a late a payment. Such as, automatic debit payments, 1,2 or 3 day curtousey text, email reminder or grace periods for payments. Instead this bank and its representatives have said that I should use the features MY BANK offers me in which to pay my bill on time. I feel The burden should not be on the consumer to avoid late fees if the banking institution hasnt fully developed options for its customers to make a payment ON TIME. You have to physically log on every time just to make a payment and or schedule one every 30 days. This is not okay considering XXXX hasnt met its burden of providing payment options only to turn around and make money off of customers for their inadequesies.. These bogus terms and agreements, then gives them the legal authority to charge an account {$27.00} for a late payment without providing ANY GRACE PERIOD. This company turns around and punish the customer for not using a feature of THIER bank to make payments. I have many CC companies and Ive NEVER had my credit limit decreased. I am closing my account and cutting my losses. If they can close my account at its own discretion which will then have a negative impact on my credit, I should cut my losses early. This option is NOT favorable to consumers. But these practices leave consumers no choice but to stop doing business with this kind of company. One with no ethics and is predatory. This predatory banking/lending institution should be closed down for its deceptive and unfair practices against consumers. This bank is equvilanent to XXXX XXXX. A shady company to say the least. A XXXX Card is BEST A CLOSED CARD.
Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.
I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. 

I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. 

I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. 

I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know this.
Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.
Flagship Credit Acceptance has not been processing payments in a timely manner. I have sent a series of payments to try and determine how long it takes for them to post payments to my account in the last month they have been taking longer than is acceptable for a business that is charging interest and penalties for late payments. 

Date sort by ascending Payee sort by ascending Payment Method sort by ascending Reference Number sort by ascending Amount sort by ascending Status sort by ascending Days to Clear XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$670.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$100.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX I have requested a pay off for this loan but cant be sure that they will process it with in the 10 days that the payoff quote is good for.
This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.
We have been getting a lot of phone calls from a company known as " XXXX XXXX XXXX Services ''. They 've been using about eight different phone numbers, and I '' ve blocked all of them using call block and caller ID, but since they continue to call, I 've turned around and called them a couple of times to find out what 's going on. A couple of weeks ago I spoke to a live person, somebody named " XXXX '' and she told me they were looking for somebody by the name of XXXX XXXX ( that 's not us ) who apparently owes them some money. XXXX told me she would take our name off the list. Now they called again this morning and I again called them back and I again talked to a live person ( did n't catch her name this time ) and again explained the situation and who I spoke to last time, and again she said she would take our phone number off their list. I doubt that will happen though. And I told her that we do not have any debts that would require the use of a debt collection agency. So somebody needs to track down this XXXX XXXX person and get in touch with that individual instead of calling us.
I have an account with Crypto Currency Exchange named - XXXX. In order to make a purchase I need to deposit money to the website using my BANK ACCOUNT. However, when I try to add my bank account to XXXX, it generated an error message saying that my bank does not authorise me to make any debits. Attached is the screenshot for the same.