WillisBack/dataset-financial-user-claim huggingface dataset:
GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX
First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.
I fell behind on my mortgage after losing my job. I was forced to file bankruptcy, however I wanted to save my home. Loancare has evaded and blocked me from applying for assistance now since the beginning of 2016. I hired an attorney to help me deal with Loancare and they have been calling Loancare now for over two years. Loancare has told my attorney my loan had bankruptcy codes on it and they could not review me. This is even though my bankruptcy has been discharged almost two years ago. They then told my attorney the reason the bankruptcy codes are not removed was because they needed for my bankruptcy case to actually close. My bankruptcy attorney says there is no reason Loancare can not review and modify my loan. Loancare advised until the bankruptcy case was closed, which takes about a year they couldn't do anything. Finally my bankruptcy case was closed and my attorney applied for assistance. Loancare sent my attorney the attached letter denying the modification application with no reason. They claim the owner of this loan does not allow them to modify the loan. My attorney has a very experienced underwriter who actually deals with loan pool servicing issues often and he says this can not be true. Loancare should contact the investor and ask for permission. The constraints Loancare is talking about are old and those barriers are no longer in place. In addition, guidelines call for the servicer to make an attempt to contact the servicer to ask permission and Loancare has not attempted this. They simply have evaded review now for over two years and now want to foreclose my home after doing so.
Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.
I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX
I needed to make a payment to XXXX from United States through the websites such as XXXX XXXX and XXXX.. XXXX is giving an error sothat I tried with XXXX, but when I tried to login to my capitalone savings account from XXXX, capitalone is blocking my access to my account through my XXXX  account. I need to connect my capitalone account to my XXXX account, but capitalone is not allowing me to enable external applications. And when I tried to contact them, they were unable to solve my problem. Please do the needful with my problem and grant me to enable external applications for my capitalone account. Thanks.
NetSpend sent me two separate emails indicating that I should expect a credit card in the mail from them that they claimed I ordered. I did not order any such services, nor have I ever been a NetSpend customer. Upon contacting their dispute team to determine if my identity was stolen, they confirmed that the email was fallacious, and that it was merely a marketing campaign.
Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.
On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.
When I am working they are calling my phone between 1- 3 times a day usually in a row. Lady name XXXX is calling and she doesnt say it is a call fro a debt collector till near the end of the call or when i bring it up.
From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.
I sent a letter to Equifax on XXXX/XXXX/XXXX in regards to the XXXX account # XXXX {$68.00} - I have also sent a letter to XXXX, no response on the erroneous debt.
My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me
on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT Thank you.
my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. 
It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. 
this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.
I have paid {$74000.00} in interest and my balance is still at XXXX i have been verbally denied financial assistance based on cosignor income and navient wont allow me to remove cosigner please help me last payment made on XX/XX/18 in the amount of XXXX ... {$28.00} was applied toward principal and {$580.00} was applied to interest
I am a first time homeowner. I purchased my home with Freedom Mortgage back in XX/XX/XXXX. I was on-time with my payments until I got a notice in the mail in XX/XX/XXXX stating that I had an escrow shortage and that my payments would almost double if I did not send a check in for the shortage. My taxes were wrongly assessed, as I did not file for legal residence in my county before XX/XX/XXXX. This put me in the 6 % tax bracket for my home instead of the 4 % that I was originally placed in when purchasing my home. On XX/XX/XXXX, I filed the necessary paperwork to claim legal residence and get my property taxes reassessed. I let Freedom Mortgage know that this was the case and stayed in contact with both them and the tax assessment office. On XX/XX/XXXX, I received paperwork from the tax assessor 's office, which contained my updated/corrected taxes for this year. I sent this to Freedom Mortgage and contacted them regarding this issue. 

I contacted Freedom Mortgage this week to check on the status of my escrow and tax issue. The representative let me know that they have an estimated finish date of XX/XX/XXXX to get my escrow account corrected in order to bring my mortgage payment back to its original amount. Freedom Mortgage will not escalate this ongoing issue unless they do not have it corrected by XX/XX/XXXX. I have not been able to make payments since this all started back in XX/XX/XXXX. This, of course, has been an ongoing issue for almost three months with my mortgage company, which is absolutely astronomical. I will NOT go into foreclosure or file bankruptcy because of a mistake that my mortgage lender refuses to fix in a timely manner.
I had a second mortgage with RBC account # XXXX. This was settled for less than the original amount XX/XX/XXXX. It is being reported on my credit as a " charge off ''. This is preventing us from getting a mortgage. I was told by PNC to submit the following information : the dismissal from RBC, the page of my credit report where the error appears, the bureau reporting as a charge off, and a brief description, referencing the RBC account number of what happened. I was under the impression that by law, they had to respond to me in 30 days. They signed for the letter sent via priority mail XX/XX/XXXX. I called on XXXX when I had not heard anything. I was told by someone in the XXXX that they were working on it, and to call back once the 30 days had passed. I phoned the XXXX XXXX XXXX today, XX/XX/XXXX and spoke with a man named XXXX XXXX. He transferred me to " Consumer Services '' ( a nice word for collections ). They told me to call XXXX, who is a collection agency that called me immediately after I sent in my request to have information corrected on my credit report. Once I sent them the documentation I had submitted to PNC, they did not call me again. I declined the suggestion of the agent in collections to call XXXX, and instead called back to the XXXX '', where I spoke with a woman named XXXX XXXX. She indicated to me that they would send me a response. I told her they have to do that within 30 days by law, and that deadline had passed. I told her I was submitting a complaint to the CFPB because we are trying to get a mortgage and are unable to because of this. I asked her to add that to the notes on our file. She agreed to do so.
I spoke to a rep at Bank of America in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE
I check my credit report then I see Berk Credit & Collections send my name to credit bureau for a company called XXXX XXXX claimed that I owe them money of XXXX dollars. So I called Berk Credit and state I do n't this company and I am not refused to pay if I ever own money to this company because whenever I am ill I always go to hospital not private MD and my insurance always paid. I ask them to give me the telephone and the address of the company who tell me I owe them money or send me to my address the information. Because I do n't want to pay money to funny credit collectors because I encounter a case like that before. Is simple but they was very rude and refuse to give me the address instead any information from my private life will go against me. I know there is no law who state we must pay someone money without knowing where and why you are paying that money. This is a fair practice- I called the hospital who instructed not to pay because if they have a bill for me they will send it to my address not to a collections agency first.And they practice of calling my house anywhere I am is very unfair practice.
On my credit report showed debt owed that was not mine. I do n't think about checking my credit report since I keep up with what I spend or bills I have. So sad and very upset this has happened. Would not have known, but looking for a house and lender spotted it. Today i spoke with a representative about filing a complaint. She was extremely kind. Three hours later! So glad she was out there to help!! Now though it hurts the interest rate locked in we can get for the house. Be wise and and put checking your credit SCORE on your to do list!!! Most definitely.There are more steps to take in making this good. Hoping and praying they make it right!!
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off fck chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then  thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me  access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom sicking '' their 3party syndicated groups on my mom to retaliate is heinous f @ @ chase n chase receivables whom disclosed my mom 's debt to 3party which voided  the debt plus they violated the statute with debt collection under USC 42_1692section they all do XXXX XXXX looser
I transferred XXXX Litecoin ( worth aprox. USD {$38000.00} as of today XX/XX/XXXX ). I did this transference on XX/XX/XXXX from Exchange company Coinbase.com to another Exchange company and the money is still stuck in " Pending transaction ''. It 's been 9 days without having access to my money. They promise that transactions may take as long as 24 hours but it has been 9 days already. This is inadmissible. I contacted them and asked if at least they could cancel the transference and they told me they ca n't which is a lie. Other Exchange companies even provide a cancel button for the user to cancel transactions like this as long as they have n't come through yet. My transaction is stuck in " pending '' with zero conformations, which means it has never left Coinbase yet, however, they refuse to give me back my XXXX Litecoin.
I have asked them not to contact me at work because I can receive personal calls and they are still calling me at work.
I sent in full payment to their finance company and relayed this information to XXXX, week ago. I am still being called and harassed by them, this is not a duplicate complaint it is an extension because the called are still coming and I want them to leave me alone and am hoping that these annoying phone calls stop. They are also calling and hanging up which is an unacceptable practice. I paid them in full and I want XXXX to never contact me again ever.
My credit Report has negative information for over 10 years, which should be exppired. They have not done so to this day  XXXX   XXXX ,  2017 .
I am selling my home ; we have a closing date for early XX/XX/XXXX with the Mortgage being paid in full. The Company is aware of why I was behind due to XXXX XXXX XXXX and XXXX  that came about while on XXXX XXXX Military. The first issue is I refinanced through this company, and they promised that my payment would lower to help in this hardship. 6000.00 + later added to my Mortgage and now I'm paying XXXX more than my original loan. I call to speak to the department and they can't explain why. Later after complaining enough they said to change home insurance companies that I could possibly lower it that way. I changed companies. Months later, I keep getting mail from my home owners insurance stating that their not receiving payments. I contact my mortgage company ; they put me through to the insurance dept. They told me they are paying it to disregard. I received 6 more letters, and spoke with my homeowners insurance ; they said they are not making payments. Called my mortgage company ( Pacific Union financial ) again during the time frame of those 6 letters. They said again disregard we're making payments. Long and behold my homeowners insurance cancelled and I was not notified, and went 3 months with no insurance. So XXXX XXXX  ( who I had ) then told me they couldn't reinstate me do to the gap. Had to go with another company and my payments skyrocketed. Contacted Pacific Union again, and just like before they play stupid   and say not sure why we made payments. When I ask for corporate my rude acct mang XXXX says she is corporate. So, the most recent problem was what made me furious enough to file a formal complaint. I set up a payment to automatically come out for XX/XX/XXXX, with XXXX. I called in to cancel it, and she said she will not allow me to!!!!!! She said we are taking it out, I said I do not give you permission to do so know. Then she mocked me and laughed at me over the phone, and said do you forget the talk and call we just had days ago when you set up payment. What she would not allow me to do is explain why I needed to cancel it. She said its coming out and I will not stop it, and the only way you can stop it is through your bank!! My home is selling, and I had an issue with my health insurance and I got a XXXX XXXX  removed off my XXXX  on XX/XX/XXXX.  My XXXX is now XXXX, and I have to pay full cost for a XXXX XXXX, and the specialist appointment to get this handled. This was the situation that changed. I am astonished on how rude and unprofessional XXXX, my account manager is! I think that telling a customer that you refuse to stop there automatic withdraw is against regulations and procedures of a mortgage company! I think that this Company needs to be looked at with a fine tooth comb, because they are clearly not following protocol. My mortgage will be paid in full in a matter of weeks. I did not deserve that treatment.