WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX University liquidated my Perkins loan. When this process was being done, I did not receive any notification that payments would be in jeopardy. My loan was on an automatic bill pay deduction. I had never had a late payment. when the load liquidation started, they failed to take a payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/2019. The school says they can not take the payment and record that it is being made. The monthly payment is {$40.00} per month and has not been made during these months. I would like to, but have no one to pay. 

The late/missed payments however are being reported to the credit agencies and this is negatively impacting my credit score. My ability to get a home loan and my cost on my auto insurance have been impacted. 

the school does not know any information on how long this will last. 

I just want to make my payments and make sure my credit rating is corrected. What can I do?
I was contacted by DCI about a XXXX XXXX  bill. I explained that I filed bk on XX/XX/XXXX and they were automatically included since it was under 500.00. The representative told me that since the account did not go delinquent until XX/XX/XXXX that it was not included. I explained that I was disputing the account because the account has been past due since XX/XX/XXXX and that it was included and that the amount was incorrect. I notified the company that I was disputing this account and they have made no attempt to validate. This is not a valid debt.
Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following. 


Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX   Last 4 of social -XXXX
I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much
In my original claim, CFPB and Ocwen addressed my complaint by focusing on the paper work and what the loan modification read. The deferred principal and loan modification are key parts, but this is about errors, lies and deception by Ocwen Loan Servicing LLC, to keep us in a house that was underwater. We relied on the deceitful information Ocwen sent us, upon which we made financial decisions, that damaged us financially. This is a claim and a complaint against Ocwen Loan Servicing LLC, not against the loan or a question of what is written in the modification documents. The original loan servicer, XXXX, convinced us to go into foreclosure in XXXX to get a loan modification and in XXXX, XXXX that happened, which increased our loan over {$40000.00} from an original amount of {$330000.00} to over {$360000.00}. We filed bankruptcy in XXXX XXXX and the loan became non-recourse. Ocwen took over the servicing and in XXXX, XXXX told us in writting that {$85000.00} of the loan could be forgiven, not deferred. The house was about {$90000.00} underwater, needed a lot of repair and we would have given it back, non-recourse and started over. Their own attorney stated " the statements were intended to encourage you to continue to make timely payments, which is exactly what you did '' and stay in the house and spend money on it, thinking we had {$85000.00} in equity, at a time there was negative equity in the house. Two years later, upon my request for paper work, Ocwen told me the {$85000.00} was not forgiven and since that time they have been delaying and passing us around in an apparent attempt to get us to go away, get frustrated or get more value for the house in an improving market. They also were very eager to provide documents for a deed-in-lieu of foreclosure. 

We lost everything in the recession, had to go through a loan modification that increased our loan over {$40000.00} from the original amount, filed bankruptcy, my wife was given XXXX, my father-in-law was going through a divorce at XXXX, our house needed a ton of work and I am XXXX XXXX XXXX with no XXXX. There were other opportunities out there for us to start over, rather than be at least {$90000.00} underwater, which this house was. 

In terms of financial damages, in XXXX XXXX our house was still about {$90000.00} underwater and it made sense to give it back if the {$85000.00} was not forgiven. Ocwen confirmed that the {$85000.00} was forgiven in the letter dated XXXX/XXXX/XXXX. We have spent over {$50000.00} on the house with the assumption the {$85000.00} was forgiven and it still needs about {$60000.00} more spent on it to get to what Ocwen claims is the fair market value. Then we would still loose about {$60000.00} plus opportunity cost of a new house of at least {$140000.00}, without the {$90000.00} loss. My math says that is about {$250000.00} and damages. 

Is there any program with CFPB or the regulators, that can help me pursue this claim or do I need to involve my attorney? 
Thank you for your time, XXXX XXXX
My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer.
I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.
I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged.
On XXXX/XXXX/XXXX at the XXXX of XXXX dealership ( dealership # XXXX XXXX I purchased a new XXXX XXXX NV XXXX van. During the initial negotiations, the salesman had added some optional coverages which I did not have a clear understanding of. After doing some more research, I decided that I did not want these options and requested to my salesman to remove them. Before I ever took the car off the lot that day, we reconfigured the loan numbers with the options removed and we came to an agreement for the new loan amount, and the corresponding monthly payment arrangement amount. Due to the dealership closing at the time, my sales rep told me that these changes would be finalized the following day and assured me that the new agreed upon loan amount would be honored. Since the date of purchase, I have called and stopped by the dealership numerous times to check and make sure that these changes were made. I was told on more than one occasion, in person and on the phone by my sales rep, that these changes were made and that I would see the corresponding changes in either a letter or bill that would come in the mail. After waiting over a month and not receiving anything, I had to call into XXXX XXXX customer service and ask about my account and the payment amount. It was only then that I found out that none of the requested changes were made, and that my loan amount and monthly payment were not what was agreed upon. The very next day after finding this out, I went to my dealership once again and when I asked my sales rep, he explicitly told me that he had talked to XXXX XXXX services and requested for the changes when the vehicle was first purchased. He assured me that the changes were requested and that it mustve been a clerical error that the changes werent made. He assured me once again that he would follow up with them and to check back in with him the following day to make sure this issue was taken care of. Since our last meeting, I have called Each and every day only to not get an answer, and all of my numerous messages have gone unreturned. Upon further investigation with XXXX XXXX services, they informed me that any type of changes to the loan agreement would need to be done on a new contract document, and that they had not received any contact or inquiries at all from my sales rep or dealership. They also informed me that the sales reps receive the most commission back on these particular optional coverages, which led me to believe that this was the reason why my requested changes were never taken care of by my sales rep. At this point I feel that I have exhausted all possible options to get this taken care of between the dealership and sales rep this vehicle was purchased from, and seeing as how much time has passed since the date of purchase, I need assistance from an outside source or counsel to ensure that this matter is resolved as initially promised.
The account was removed from my credit report yet I received mail from a law office attempting to collect the debt as well. I am not sure if the debt was sold. The validity of the debt has already been disputed and removed from my credit report
Hi, The Phoenix Recovery Group called me on my cell phone XXXX today XXXX at XXXX XXXX trying to collect a debt. 

This debt is past the statute of limitations within the state of Texas. The account became in debt in 2007 for an apartment called XXXX XXXX The Phoenix Recovery Group continues to call me and try to collect on this account that is past the statute of limitations. I 'm seeking that the Phoenix Recover Group stop all efforts to collect a debt that is past the statute of limitation. Additionally, I 'm seeking the Phoenix Recover group remove any negative reporting information they have supplied to public reporting agencies and credit bureaus.
I have contacted Transunion and spoke to a supervisor name XXXX XXXX. I explained that I contacted XXXX XXXX and wrote letter several times disputing the numerous inquires on my Transunion credit report. XXXX did not respond as I think someone was trying to defraud me. I put a freeze on my Transunion to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed
I have an account listed on my credit report  XXXX   XXXX  that 's suppose to be closed it 's closed on my other  XXXX  credit reporting agencies reports. Its been closed and charged off since  XXXX   2016
US bank set up a payment plan for me which was difficult to pay at XXXX I called the bank and set up a payment for my regular payment which was deducted on XXXX/XXXX/16 for XXXX which has cleared by bank, they will not ap not apply that to my account and will not return till XX/XX/XXXX
It has come to my attention that XXXX XXXX XXXX has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/2016The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX  has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly but XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX  and TRANSUNION responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
XX/XX/2019 deposited check via smartphone and bank says funds will not be available until XX/XX/XXXX. Branch manager had no explanation, appealed to executive offices and complaint was assigned to XXXX XXXX ( XXXX ). He said same - 9 day hold with no explanation.
The date : XXXX the amount : XXXX XXXX  points The process : Since I own an American Express ascend XXXX credit card, I should get XXXX XXXX points if I refer this card to my friend successfully. Then I refer this card to my friend and he applied successfully. After he satisfied all the requirement to get the reward, he had all the points he should get. However, I DID NOT receive anything from American Express. Then I called the American Express customer service twice. The first time I called them, the customer service claimed they have already given me the points. But the reality is I did not receive anything from this promotion action. I also checked the XXXX customer service and XXXX confirmed that I did not receive the points from XXXX after I refer my friend. The second I called the American Express credit card service, they changed another representative and the representative said they will schedule a point payback to me on XXXX XXXX. However, after I waited until XXXX XXXX, nothing happened. American Express still owed me XXXX points for referring my friend.
My mortgage loan with Ditech was paid off on XX/XX/2016. At that time, Ditech was notified by the lender that I refinanced with that we had paid our annual property taxes and the loan was paid in full per the loan balance payoff statement provided by Ditech. I had paid the property taxes in full XX/XX/XXXX. I receive a short pay notice from Ditech for {$2600.00} dated XX/XX/2016. The short pay resulted because Ditech had also paid the property taxes. The letter from Ditech indicated that I would need to pay them an unreasonable interest rate of XXXX per day on {$2600.00} shortage. I IMMEDIATELY paid the {$2600.00} via wire transfer by my Title Insurance Company, to keep them from charging me such a corrupt, and criminal interest rate. Since my loan balance was paid, and the {$2600.00} was paid immediately, and Ditech received a refund on the property tax that they overpaid, they have owed me {$6000.00} since XX/XX/2016. Each time I call, the length of time it will take to receive my money gets longer and longer and longer. My local Sheriff 's office confirmed that they returned the overpayment to Ditech on XX/XX/2016. It is now nearly three months later and I have not received the {$6000.00} that Ditech owes me. The loan is closed, and paid in full. Ditech is holding my money, after paying a property tax bill that they were told not to pay. From the beginning, they have managed my escrow account in a very suspicious manner. Over collecting in the beginning, then sending a huge refund ( Approximately that same amount that I complained had been over collected ... nearly {$5000.00} ) after holding the overage for more than 6 months, then showing a shortage and increasing the monthly payment substantially. The individual is demanded to pay interest of nearly {$48.00} dollars a day on a {$2600.00} amount that resulted from their error, while the lender can keep {$6000.00} of my money for three months and do nothing to assist me with a more prompt and reasonable return of my money.
In XX/XX/2016 I purchased a vehicle ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Texas. I was then under a chapter XXXX bankruptcy and the court allowed me to obtain the vehicle through a loan from XXXX XXXX. It was my understanding that the vehicle would be reporting on my credit. For the following two years, the vehicle was reported on my credit as I was paying on time and without delay. The vehicle eventually fell off my credit report. The XXXX XXXX institution explained to me that they had done a review of their files/data base and my vehicle was no longer able to be shown under my credit report. I spoke to many customer service representatives to change this rule. The organization would not comply with my request due to the standing policy against having vehicles financed under chapter XXXX. I have since completed my chapter XXXX payments and the case has been discharged. The XXXX XXXX continues to not permit the vehicle to be shown on my credit report. I am now faced with the prospect of changing my loan to another organization so that my payments show on my credit report.
I have perfect credit ( attached a copy of their own furnished report ) and use my card and make 1000s of  dollars in payment each month to my card. I've asked Capital One to increase my limit multiple times and they refuse to refuse my financial information but rather point me to an online system that continues to deny my request with unclear reasons ( as attached ). 

I am financially capable of making whatever I charge in a month and have exhibited that with my credit card and others. I'm against opening another line of credit as that could impact my credit age. Attempts to get Capital One to understand that their system gives me errors has gone unanswered.
I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''
My XXXX XXXX XXXX account was to be added to consolidated credit counseling program. There seemed to been a problem transitioning into the program.Sychrony bank put three late fees onto my account and an over the limit fee! I was contacted asking that we pay {$150.00} minimum payment for the mistake. I would like the error corrected on our credit and account. We have made every attempt to keep the account current synchrony bank has been incredibly difficult.
I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.