WillisBack/dataset-financial-user-claim huggingface dataset:
Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on it.
This has honestly been an horrible experience for me. We got behind in our payments because of death and job loss over the last year. However, when we applied for our home modification last year they increased our payments by {$1100.00}. We asked why our payments went up the response was " if was how we filed the paperwork ''. I do n't understand ; did n't Nationstar Mortgage give us the application? Yes. So how did we mess it up? They refused to talk to me when I call and have some of the most irritating people that answer the phones. Fast forward we are now facing foreclosure. I called and asked for a reinstatement about and they could n't tell me. Then I asked for a proper home modification application and they refuse to give me the papers. They also have people coming to my door constantly asking dumb questions. For example, the last man came and asked how lived here. So I said please leave my property because this is illegal and you know it. Moreover, the rep. Told me that we have other options but he ca n't tell me what they are. WHAT!! I fell like I 'm talking to a brick wall with these people. Also I got so frustrated that a VA rep. contacted us and volunteered to call Nationstar Mortgage with us to get some answer. She got so mad at them I honestly think that she was mind blown on how they refused to answer to her. All I can say is that I am tired of the stalling tactics and illegal works. I honestly can say that they do n't care about you and your family. All they want is money and even when you do that they are still not happy. Oh and let 's not mention the fact that they never honored our XXXX VA XXXX XXXX Escrow exemption that 's given by the county clerks office. Straight crocks. I wonder if the CEO knows what his company is doing to our veterans and their families? I think that I will write home a letter!
I have a 30 days late payment XX/XX/2018 XXXX  XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.
I had a mortgage loan with Ditech Financial. On XXXX Ditech reported paying the county tax collector {$13000.00} even though my yearly tax payment is {$6400.00}. This left my escrow account negative for over a year. I called the county to have the incorrect payment refunded to my escrow account at which time they informed me that Ditech never actually made the payment. I spoke to the Ditech tax department about this and requested a proof of payment. They informed me they will investigate the matter and have yet to provide any proof of payment or investigation results. It has been over 6 months. Ditech has essentially taken {$13000.00} from me in a fraudulent tax payment scheme. Please help.
With the Equifax problems I went on line and I do n't think it was the correct link. I put in my info I think I got a verification code and it said a PDF file could not be opened to verify my freezing my credit. Some thing was blocking the adobe PDF, but if I could n't open it they had a number to call. The line is always busy.XXXX I do n't remember the link.
I went back to college to obtain my  XXXX   XXXX . The cost of tuition was going to be {$19000.00} for the program. I took out federal loans through Navient. From  XXXX   XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX  I would receive a " REFUND CHECK '' in the mail from my college,   XXXX   XXXX   XXXX  . I questioned the amount of the refund since it was much more than my tuition. I would call financial aid at the college, and their response was " an overpayment by the loan agency ( Navient ) based on your financial needs. Money to spend in whatever way you need. '' So I THOUGHT this meant, based on my tax history and financial needs, this was " extra money '' being sent to m y Navient. However, when I completed my degree, my ending balance was {$36000.00}!!!!!!!!! NOT {$19000.00}!!! ! After speaking with   XXXX   XXXX  , they explained that they send an invoice int o Navient for   tuition costs. Navient sends money back to the college to cover tuition, PLUS EXTRA money " just in case I needed it for something ''. So basically this " extra money '' was being tacked on in a check with the memo " refund ''.
I have tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.
I have an account with Wells Fargo and I used to have a Credit card merchants with them. I closed the account on XXXX. I ' m no longer accept credit card because I do not have need for it anymore. I called Wells Fargo Bank in numerous occasion and complaints about it. they do not care I have been charged overdraft fees for no reason because of the credit card machine I cancel and I do not have any contract with them anymore. I have a tremendous stress on me now because the burden financial situation they put me in
Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for you.
As a part of my loan, I was given money to do needed repairs ( XXXX ). Over time as the process lingered, I had a balance of {$30000.00} to complete the repairs. After time, XX/XX/2016, they closed my XXXX loan by taking away the balance of the {$30000.00} without my consent. Therefore, I am stuck with a house with still needed major repairs that I do not have the money to fix. They tried to get me to refinance the loan but my lawyer said no. She told me not to pay them another dime because what they had done was not right so I did not go through with the refinance of the property. They did offer a refinance but it was costing me much more money and I felt I was being punished for them taking away my {$3000.00} that was and still is desperately need to complete the repairs on my home before other major issues occur. I have had to go into my own pocket to pay for some of the repairs by much more work needs to be done.
Hello CFPB, My name is  XXXX   XXXX  and  XXXX   XXXX  and this is my story/complaint. Late last year in   XXXX   XXXX   XXXX     I was offered a permanent loan modification for my mortgage with servicer being Ocwen loan servicing. They  ( Ocwen )  failed to communicate with me that the permanent loan modification paperwork was missing a signature on  one  of the pages. I did not know that the permanent loan paperwork was missing signatures as I thought I had signed all necessary pages. I mailed the permanent loan modification on   XXXX   XXXX   XXXX   XXXX   I NEVER received any type of communication from  Ocwen  that a signature was missing for over 2 months. Had I known, I would have signed and sent back immediately. In  XXXX , I receive a letter that said I was denied the loan modification and the first payment was sent back to me. All  Ocwen  had to do was to give me a call or send me a letter stating the problem. I even spoke with a customer service representative and she clearly stated that there were no indication that a letter was mailed or a phone call was made to me to let me know that signature was missing. Not only am I behind on my mortgage now they are not willing to give me any type of loan modification after I had re-submitted for a loan modification. I understand that I failed to signed in the proper place, but the fact that  Ocwen  NEVER communicated either by phone or by to correct the simple error of not realizing that I had missed sign one of the pages. They had 2 month to communicate this and they did not. I believed they have to be hold accountable to not communicating of the mistake to take action and correct it. Now here I am facing foreclosure for something that could have been taken care of so easily. I have a conventional and now I have lost the opportunity to apply for HAMP. This has caused me great unnecessary stress in which now they are saying that my only option is either short sale or deed in luau. I can afford this property if they give me a loan mod. Your help in this matter is greatly appreciate it. Thank you for your help.
A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX XXXX, and Transunion file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court,  that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report.
The  Tax Lien  information is incorrect, The account is showing on   XXXX   and Transunion.   Transunion :  XXXX   XXXX   XXXX   XXXX  Docket #  XXXX   XXXX  : Tax lien filed on   XXXX   XXXX     Type Tax lien Court number  XXXX  Case number  XXXX
My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.
I take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.
I got a loan through Navy Federal In XXXX  Ga on XX/XX/2018 for XXXX. It was for a used car from XXXX XXXX XXXX. I had called Navy Federal the morning of XX/XX/XXXX so under 24 hours and asked to put a cancelation on the loan because the vehicle I had safety concerns and my wife was scared to drive it. I had then returned the vehicle to XXXX XXXX and he refused to give me my check back. So I called Navy Federal and talked in person to 5 different people and they all told me that the cancelation was in process and theres no way the loan could go through and if XXXX XXXX tried to process it then it would get denied and sent back to him. I then get a call 15 days later saying the check had processed and there was nothing I could do about it. XXXX XXXX had forced payed my check by saying I had possession of the vehicle I haven't had the vehicle for almost a month now but Navy Federal never called me when Mr XXXX  told them that. I then told the lady that called me that I wasn't going to pay on a vehicle I don't have and she told me that they would force take money out of my account if I didn't make the payment. I have a lawyer right now for XXXX XXXX as well. I also asked the lady if I could have an investigation on the recordings of the phone calls since the people told me the check could never get processed and she told me I couldn't do that.
I am XXXX years, XXXX, and XXXX. A debt collection company sent me a notice in XXXX 2016 claiming a debt of {$510.00} without any explanation. I send a letter to the debt collector within 30 days demanding the debt collection company produce all the documents and evidence of the claimed debt. Instead of providing the documents to verify the claim, the debt collection company reported the {$510.00} claim to all reporting agencies. I demand an immediate withdrawal of the unlawful credit bureau reporting without producing documentation demanded to verify any claim of {$510.00} being owed.
I have disputed with Experian and XXXX  Credit Reporting Agencies that the public record information of bankruptcy on my credit reports was not appropriately/offically verified through the bankruptcy court so should not be reported on my credit reports. How do I know that the information was not appropriately/officially verified through the bankruptcy court is that I have documentation from the bankruptcy court saying that they do not report to or verify court information with the Credit Reporting Agencies. I disputed this with Experian and XXXX both in writing and through their on-line dispute processes. I also made a complaint through CFPB. Both Experian and XXXX indicate that the information has been " Verified '' as accurate. They both use a third party vendor, XXXX to get this information, yet they do not provide specific evidence on how XXXX verified the information. They both overlook the fact that I have documentation from the bankruptcy court that says that they do not report or verify court information with the Credit Reporting agencies. Just this in itself should cause Experian and XXXX  to demand that XXXX provide proper evidence that they did infact verify this information through the court instead of taking their word for it and then reporting to me that it was verified. Also once this evidence is obtained from XXXX it is only fair and right that it is shared with me as proof.Without proper/offical verification from the court the information should not be put on my credit report as it is hearsay and it is an hugh injustice for them to put it on my credit report which vastly, negatively impacts my ability to get credit. 

SO THIS COMPLAINT IS ACTUALLY DIRECTED TOWARD XXXX. I am disputing the validity of the public record information that they are providing to Experian and XXXX  as not accurately verified through the bankruptcy court, therefore they should not provide this information to the Credit Reporting Agencies to put on my credit reports. I also would like to question them on how the Credit Reporting Agencies can say that the information was accurately verified by XXXX when my documentation from the bankruptcy court says that they do not report or verify this information with the credit reporting agencies. XXXX should either provide the proper proof that the information was indeed verified through the court or contact Experian and XXXX  to indicate that it was not and have them remove from my credit report. I have not previously disputed this directly with XXXX as I have tried to dispute it with Experian and XXXX to no avail, so at this point related to what level this has become, I am disputing this with XXXX via CFPB. XXXX can refer to the documentation from the bankruptcy court that will be attached to this dispute, uploaded documentation from Experian and XXXX  dispute responses saying that the information has been verified and the dispute letters that I sent to Experian and XXXX. XXXX should not be providing information to the Credit Reporting Agencies that they did not properly verifiy as this severely impacts the credit and livelihood of people as a result of the negative information on their credit report.
Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. 

I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. 

I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
XXXX hospital of XXXX, CT claims I owe them a dollar amount of {$2800.00}. What you dont know is that I showed them my insurance card during the visit, and I have proof that I had insurance during that time. Once I found out about he debt I called and told them I had insurance they said the can not accept the insurance now. I only found out I had the debt when I checked my credit online. This was a simple visit to the doctors some while ago that happened when I was much younger and aloof, that is now following and dragging me down. Long story short, I do not feel this is fair.
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Dept of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four Dept of Education accounts that are reporting incorrectly.
Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I  am not able to cash out without the bank properly reporting my recent transactions in a timely matter.