WillisBack/dataset-financial-user-claim huggingface dataset:
I got behind on my morgage really bad-Ocwen loan servicing, LLC is the lender. I was fighting XXXX at the time-had to file bankrupcy chapter XXXX. Ocwen offered to modification -which sounded good and all. I accepted because I thought it was the best way to keep my house. I went through 2 sets of modifications payments before they approved me. The thing is I was approved of payments of {$430.00} a month in which we can afford but I have 7 years to pay off my house and they tack all the fees on plus more in which at the end of the 7 years I will still will have a ton of money to come up with or loose it all over again. They say I owe XXXX on the home-how is this possible-thats more than what I paid for 25 years ago when I purchased it.Not sure what to do or who to talk to about this situeation and are they in the right as far this modification.
My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
Wells Fargo is denying us a loan modification, they will only agree to a short sale. My husband and I will be filling paperwork with the Attorney General office to attempt to avoid foreclosure. Prior to our mortgage ballooning 17 months ago we were never behind in our mortgage for 10 years. WF continues to deny us being that our income doesnt meet the qualifications for new mortgage. Our income is more now than it was when we purchased our home. We know now that after 10 years we were sold a home that we did not qualify for in the beginning. Why should we now suffer due to being scammed? Please help us with this situation.
Navient has send XXXX of my Student loan to XXXX XXXX XXXX XXXX when I remain in College at this with other Student Loan from Navient. Also, my co-signer received the same letter. They should not even be part of my Student Loan. They state that if I pay XXXX that the Loan would be settled. I know this is Not true.
Rent recover solutions reinserted an account to my report without properly notifying me within 5 days which is against the FRCA. As previously discussed with this company, this is not my account, I am not responsible for this account, and I do not have a contract with this collection agency.
I attended XXXX XXXX XXXX, wa XXXX and university of Idaho in XXXX XXXX, ID ) now my student loans ( both federal and private ) are in repayment w XXXX and Salliemae. My XXXX major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now XXXX having trouble with a third company and having to reapply for an IBR. In addition XXXX has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written statement of the finding or request for more information. After XXXX requests, in the last 6 months, for a written statement of the repayment agreement, I still have n't received any written agreement or information on why they were not able to provide that information. On top of several problems I have had with both XXXX and Salliemae they are not correctly reporting to credit agencys ( they say that I am making late payments on my loans although they are the ones that are removing the funds out of the account. When I called them on it they said they would forward the inquiry and when the a supervisor got back to me they said it was do to processing time and days that the banks are open. They did tell me in order to get this up to date i would need to make a double payment in one month. However due to the fact XXXX is withdrawing over double the agreed monthly repayment amount. I really feel like manyof these tactics and actions are illegal and I have been advised by more than XXXX professional service to sue, however I do not want to take this action but I will if it is truly necessary.
My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.
I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.
I feel no one is listening to me at Honda Financial. Yes, i did fall behind my payments. Honda FinanciaXXXX next move was to block my ability to make electronic payment. It must be closed to a decade since i stopped making payments by snail mail. There is a high fee that customer service charge when you try to make a telephone payment. During the month of XX/XX/XXXX my county ( XXXX county Florida ) was declared a federal disaster zone. The rep from Honda financial stated in a rude way that everyone in Florida is trying to use the Hurricane Irma disaster as an excuse not to pay their bill. Yes, the Hurricane caused me Hardship. It destroyed part of my house a large tree, and spent week without electricity. Also, i was unable to work. I want to resolve this problem. I want to pay my bill electronically on the honda Financial website. If i have to call to make a phone payment I dont want to pay a fee.
Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.
Firstmark services reported to XXXX 60-89 days past due on a private student loan while I am enrolled full time at a University. They had failed to check the student loan data clearinghouse regarding processing automatic in school deferment.
I called and spoke to XXXX on XXXX/XXXX/2016 about a payment that was due on the XXXX of XXXX. I noticed they had not taken said payment and there for took it on the XXXX of XXXX One payment was said to be taken out on the XXXX and the other on the XXXX of XXXX they both have cleared my account but only one is showing. Today is XXXX/XXXX/2016 and I see that two payments have come out for {$200.00} which was not talked about even though they state they did if I had of known this I would not have agreed to it because I know that I would have not been able to handle those payments. Now they have had three payments for the month of XXXX but they are not showing on my account when I look online. I see talking to them I am talking in circles and they are not making sense on this matter. Also I ca n't understand why or how they can go in my account on off set days to pay back my loan but ca n't go in on the due date. Then when they mess up I have to pay for it. My pay day loan should be done being paid for on XXXX/XXXX/2016 XXXX stated today that it has been extended until another month XXXX/XXXX/2016. But how can that be if my account is current and caught up. They have received XXXX payments for {$200.00}. But my account is pushed back an extra month. And again this is not showing with my online account. I took out the loan I did but I do not like being taken advantage of. The fact that I am getting different answers from different people or being put on hold while they figure out how they messed up. Makes me so frustrated. Both charges I received an over draft fee. I also stated this to them on the XXXX. No one I mean no one said that I was going to be charged and extra XXXX before the end of the month was out so I have to over draft fees of {$34.00} for each. I really need help understanding what is going on and why they are able to do this. I even looked over my contract and no where does it state that they can do this.
On XX/XX/XXXX I called the Customer service : XXXX of The Bank of America. The person on the phone introduced herself as XXXX from Alabama. I requested to her the closing of my checking account XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email verifying the closing of the account. But as of today ( 10 days after my call ) I have not received yet the check with the balance of my account at closing ( {$360.00} ) I called them again 3 days ago and asked for an update and they said that the check is in the mail and it 's their company 's policy to take so long ( up to 10 business days ).
My loan was sold to PennyMac for servicing in XXXX 2015. Following the sale, my homeowners and flood insurance payments were due on XXXX XXXX. The insurance payments were not paid timely. I received a phone call from the insurance company notifying me on the due date that if I did n't make payment by midnight for my homeowners policy, it would expire. I had to pay it on my credit card in order to be assured that I would be covered. A week later I called to see if the homeowners had been paid so that I could be refunded for the payment I had to make to keep my coverage. At that time, Pennymac casually informed me that my flood insurance payment had not been made either because they did n't get an invoice. If I had n't called, I would have not known that I was not covered. I again had to come out of pocket to pay the flood insurance in order to ensure coverage. Pennymac says they have made payment to my insurance company for the homeowners premium ; however, the insurance company has not received the payment and I have not been reimbursed. The flood insurance has yet to be paid and I can not get an answer from anyone at Pennymac on the status. I have had to spend an incredible amount of time trying to get this resolved to no avail. I have been put on hold, transferred, treated with disrespect and can get no answers on this matter from Pennymac. I feel as though they have been withholding my money but not remitting it for the purpose intended. This does not seem legal. They have a fiduciary duty to use the funds withheld for the purposes intended. I have had to overextend my budget in order to insure coverage. I have no confidence that my taxes will be paid timely or assurance that I wo n't be faced with this issue again next year. I would appreciate any help in getting this matter resolved.
I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.
On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.
XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.
I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.
I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.
Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.
XXXX contacted me saying I owed them money on a delivery. I said I paid for an item, and paid the seller for all shipping costs. If he still owed money they should NOT have shipped the item. Whenever I ship  something on XXXX, I pay in advance before they ship. I said it sounded suspect that they are coming back to me for more money, when this has never happened before. 

Regardless eventually I said I would pay the {$36.00} ( because they kept mailing invoices ) and it was a trivial amount, only if I could pay online, and if they could tell me how. I tried countless times and it never worked, I called them 3 times and they said they didn't know how either. 

Eventually it went to debt collection, but there was NO WAY for me to pay, and I said I would not write them a check and mail it as it costs additional money, which I shouldn't even owe in the first place. I then got a notice from Transwold Systems which I am disputing. 

Company : XXXX XXXX XXXX : Transworld Systems Inc.
On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.
I XXXX in XX/XX/2008, I have not been able to work since, just 3 or 4 years ago I was XXXX. He XXXX, I went to hospital for several days & XXXX cost & stay was waived due to my indigent condition by the XXXX ... The XXXX however appears to be a money grubbing XXXX & has turned his fees over to a collection agency. Initially I made payments by borrowing money from family & friends. I paid off some of the debt then. Recently I have been receiving calls from Affiliate Asset Solutions. I still am not able to work & feel this debt is unfair.
I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase
I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.