WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.
I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.
I have repeatedly asked TransUnion to investigate the collection agency  XXXX   XXXX   XXXX . They have placed a delinquent  XXXX  and a half year old account on my credit report and list the original creditor as  XXXX   XXXX .   XXXX  This account is inaccurate because I did NOT own ANY  XXXX   XXXX  account 4 years ago ; I attained my first  XXXX   XXXX  account last year --  XXXX   XXXX  can confirm this. In addition, the account was not in collectionsstill isnt listed on the other credit bureausuntil after my first submission of request to investigate i n  XX/XX/XXXX / XX/XX/XXXX  ;  this account was then upgraded to in collections status. Moreover, it appears that information from my original letter to TransUnion was used to adjust the estimated removal date. To my understanding, manipulation of credit information to secure debt on bureau reports is a violation of the Fair Credit Reporting Act.
After foreclosing on the property in XXXX XXXX Chase rescinded the foreclosure in XXXX XXXX. I then began the process of qualifying for a loan modification, I entered into a agreement with Chase in XXXX XXXX with payments of {$4100.00} per month until XX/XX/XXXX, the agreement further called for a principal reduction of {$440000.00} if my mortgage payments were made on time and I was not in default. My payments are current and I am paid through XX/XX/XXXX XXXX, more than one year since the agreement. Chase has not kept their part of the agreement by reducing the principal balance as they have stated in writing.
On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. 

On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. 

I
XXXX XXXX serviced two cards for me : one for XXXX 's, and another for XXXX XXXX. My family is attempting to rebuild our credit, and these two cards had high balance ratios and high interest rates, so they are among the ones we prioritized paying off. 

The XXXX 's card was paid off - approx. {$240.00} dollars against a {$300.00} limit. As soon as the balance was paid down, we received a letter from XXXX saying they had closed the account due to credit score. The credit score had not changed. 

Two months later, we obtained a high-interest rate personal loan to consolidate and pay down some of our debts. One of the debts paid off was the XXXX XXXX card - {$3900.00} owed on a {$4000.00} limit. Three days after paying that card completely off, XXXX writes to inform us that our credit limit has been decreased to {$100.00}. 

With the same loan, we paid off a medical expense card held by another bank, and were successful in satisfying it before the deferred interest charges were applied. The other servicer did not close our account nor drop our credit line.
I originally had loans with XXXX XXXX. I was never notified of my loans being sold to navient. Navient is not correctly reporting my loans to my credit bureau, nor did they explain to me repayment. I was under the impression all of my loans were in repayment plan, because when I signed up that 's what I was told. Apparently only 4 were in the program. I would have never only put some loans in repayment I wanted them all in repayment that was the purpose of repayment plan. Navient never discussed with me. I have been repaying for close to 4 years now and my credit is awful because I was n't aware that I was n't repaying everything. Navient does not have their info correct either when it comes to calling them for information. Student loans are crippling enough on their own, the company servicing themy should be helpful not a hinderence.
O XXXX/XXXX/15 I submitted a grievance letter to my loan Servicer and Note holder and had a CFPB case number XXXX. They responded with a a letter regarding their services and being correct and to deal with my home builder on my grievances and did not address the specific questions regarding the transaction of my note. My grievance letter was very specific with mortgage broker fraud and appraisal fraud and predatory loan issues using bank statements for stated income and many other issues relating to the origination of the note and the transactions of the note to present. 
I sent a follow up letter in the portal to get my specific questions answered. They never responded to my second letter. I called the servicer and spoke with the point person assigned to my file. The point person stated, they closed the file and the compliance office will not speak direct to me and stated, this complaint file was closed and issue was addressed in their view. The point person said, maybe you should file another complaint, but this file is closed. I called CPFB, and asked if the file was closed. They stated they can only close the file, and to pursue this with a attorney and the FTC monitors the files and if they see something they will contact you. I can not afford an attorney at this time and now filling another complaint to get my grievances answered. As a consumer I am entitled to receive answers on my grievances made. It appears this is going to be a run around with my grievance, but I will keep trying to I get answers to my specific questions. I have followed the process as it was set up for, me, the consumer. Hopefully the other side with take time to address my grievances raised and provide their answers to my questions regarding my mortgage that I raised in my letter. I have also contacted my State Attorney Office with my grievances and my State Banking regulators with my grievances to see if they will address. I also sent to XXXX Federal agencies including this XXXX, my letter and the Servicer for the Note Holder letter response, to have a my grievances be addressed. I look forward the parties use this portal under the Federal government to have issues addressed for the consumer, such as I.
I got a letter for citi card dated XXXX/XXXX/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & {$14.00}, there should be interest compounded on said amount. According to the letter, the time cover XXXX XXXX 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store National Bank ), I would have been charge interest along with late payment fees. So I think its only fair they pay interest on money that they held for me for over 8 years.
In XX/XX/XXXX I filed a dispute with Experian about an account on my credit report from XXXX XXXX  XXXX XXXX XXXX ( XXXX  ). 

In XX/XX/XXXX/XX/XX/XXXX I had ATVs on a loan through a Credit Union called XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX ). These ATVs were repossessed in XX/XX/XXXX, creating a date of delinquency of XX/XX/XXXX. This was never pursued by XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX  was bought out by XXXX and they charged off these ATVs in XX/XX/XXXX. They also falsely claimed that I made a payment of some sort in XX/XX/XXXX, which illegally re-aged this account. This account should have fallen off my credit report in XX/XX/XXXX due to the Date of delinquency being XX/XX/XXXX.

Due to this I disputed this account with all three credit bureaus. As of today Experian completed their re-investigation and this account was still on my credit report.

I attempted to dispute these with Experian again they wouldn't allow another dispute. This account should be time barred from credit reports and Experian continues to report it as being negative.
Loan rates have become so high that the loan is difficult to pay. Even by making a good wage, the interest rate has stacked the payments so high, it becomes difficult to find alternatives other then deferments in order to pay for rent or food. The lucrative appeal of deferment is the only option I can work with but in only tacks on more to my loan. Even through working with repayment plans, the monthly payment was no different to my current payment plan and it did n't impact any part of my interest rate significantly.
Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
I was approved for a deferment on my loan with Discover Personal Loans in XXXX 2016. The terms of the agreement was that my XXXX 2016 payment would be deferred and that after I make my payments for XXXX.-XXXX on time each month, my account would be brought current. I paid those months on time and all of my subsequent payments have been made but the company has been harassing me every month since the agreement was made. They call me, email me, and send letters and I always speak to them and explain my account. After they look into their records they apologize for contacting me and promise that my account will be corrected but as of today it is still not brought current. I am fed up with this company and their lack of integrity.
I spoke with XXXX from Navient who stated that they received a completed loan consolidation application from XXXX XXXX on my behalf and I never completed the application online. I only completed FASFA for XX/XX/XXXX-XX/XX/XXXX and then I had to go back in and do one for XX/XX/XXXX-XX/XX/XXXX FASFA application upon doing so in XX/XX/XXXXmy school notified my promisary notes were ready to be signed and I went into my account on Student loans.gov and there was the consolidation application and they support team stated they are not sure as to how that happened by just cancel it and it would not allow me to do so so they said accept it and we will cancel it on our end. I was under the assumption that is what happened on XX/XX/XXXX until I was notified by navient I then told them that was incorrrect and to cancel the application they stated I had to contact student loans customer support i did that and they are ping ponging me back and forth with the same statement. No one wants to accept responsibility and to make matters worse the original consolidation from XX/XX/XXXX was included in my bankruptcy filing on XX/XX/XXXX and not suppose to be touched at all. 
The next issue is the account is wrong I have four loans with all different interest amounts and there should only be two loans the consolidation in the amount of XXXX ( ROUNDED TO THE NEAREST THOUSAND ) and the AMOUNT REQUESTED IN XX/XX/XXXX FOR CURRENT SCHOOL YEAR taken out to cover the last two semesters of schooling.
Over the past 8 months that SLS has had my XXXX mortgage That BAC sold to them. 
They have always sent a monthly bill for the interest only portion of the loan. 
We caught on early and always sent an additional XXXX above the required XXXX there is a line to add to the principle X amount. This has been done every time we paid a note. 
In almost every month they would apply the additional money to the interest for the up and coming month and what ever was left would go to the principle XXXX. 
We would get the next month bill say XXXX XXXX and it would say that our next payment is due by XXXX XXXX. My wife is a wonderful women but did n't realize that was going on until I recently paid a bill while she was out of town. 
I have sent a Error Resolution letter with the needed documentation XXXX pages of it by fax as directed, as of 48 hrs they have n't responded and may have lost it who no 's. 
They have corrected the last months paperwork. 
I had printed out the statement history and was making notes to what the Acronyms where. 
While doing so my page refreshed and the statement history changed in no longer was what I had printed out. ( It was like they were making changes to cover something up ) Hence the XXXX pages of paperwork that I Faxed to them Print copy 1 and # 2Is there anything that I came expect them to do for the lost payments toward my Principle loan or am I just another person that got screwed by the big guy? 
Any Idea how long I have to wait for them to get in touch with me? 
The very least I should get credited for the interest on my load for 2 months or more.
In XXXX 2015, I transferred money to my son via Western Union. Today my son told me that he received a debit card in the mail! I have a problem with this. Obviously, my son was in need of money at the time, and I believe Western Union is using the transfer of money as an opportunity to scam, defraud or otherwise take advantage of the disadvantaged by mailing debit cards to those recipients ( with name and account number imprinted on it ). 

I am hoping the Federal agencies will step in to require Western Union to discontinue mailing solicitations to my son ( who is considered a " XXXX person '' under the XXXX and other landmark legislation ) and others who are similarly situated in the form of debit cards to incur a debt that he/they can not possibly repay! 

Since then, I have also been inundated with emails from Western Union and others. If I recall, there was an option to unsubscribe to updates and further communications. Yet, I receive spam from Western Union.
XXXX XXXX and XXXX have failed to comply with the FAIR REPORTING ACT by not validating, correcting, or removing inaccurate reports. Trans Union in company with the same violation has not removed those reports after proof was sent. I am attaching proof of my 100 % accurate info and per the Fair REPORTING ACT, request that those items and collectors be removed.
On XXXX XXXX 2015 I cash a check with the company XXXX at XXXX pm and it was suppose to load on my rushcard within XXXX mins I paid the XXXX $ fee in which at this rush card had sent Msg via text and email that they were " up grading " their system from XXXX til XXXX on XX/XX/2015 and XXXX XXXX was a holiday ... XXXX did process the check and the money never made it to my card on the amount of XXXX $ til this day there is no record of that check going to rush card and now my money is missing as XXXX XXXX th 2015 and no one has did anything to find nor return my money back to me there is nothing I can do because the check has been cash thru XXXX .... I want my money and at this point rush card has not assist me in this matter
I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.
I purchased a pre-paid debit card from giftcards.com ( part of the Blackhawk Network ) on XXXX  loaded with {$500.00}. On X/X/2017, I took the card to XXXX and used it to pay a bill. The bill was for {$5000.00}, so I had to split the payment. The bill pay did n't go through due to a technical issue, and the full amount was refunded to the pre-paid debit. I tried to use the card several days later after the amount showed up on the card ( per giftcards.com 's online balance checker ), but it was declined. I called customer service on X/X/2017 to see why this happened, and they told me that they would look into the incident ( ticket number XXXX ) and get back to me in one to two business days. I called giftcards.com again on X/XX/2017 to inquire about the status, and was told that they had stopped working on the ticket, but did n't tell me. I spoke to several people including the supervisor, and they repeatedly told me to resolve it with XXXX, even while admitting that they were holding my money - XXXX does not have it.
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
I have applied for a Home Equity Line of Credit ( HELOC ) from Citibank.. I submitted the application in XX/XX/XXXX ; it took until XX/XX/XXXX to initially be approved. It took five monthsbecause my XXXX had a mechanic 's lien attached to our deed and Citibank dragged their feeton identifying this as the cause. The coop kept on stalling and finally admitted that the did not pay the {$55.00}. filing file to prove satisfaction of the lien. Citibank paid the {$55.00} and anticipated at closing I would pay them back and the XXXX would then reimburse me. 

I am XXXX. When I filed initially, I was making $ XXXX/year. Then that job ended, I took another job paying $ XXXX/year. By the time the lien was satisfied, my XXXX job ended and I then was working XXXX job making around $ XXXX/week. 

Since the process dragged on, Citibank asked me and my wife to resubmit our pay stubs. 
At the point we resubmitted, since my income had dropped, Citibank changed the acceptance to a rejection. 

About three weeks ago, I secured a full time job paying $ XXXX/year. We again submitted our pay stubs and we were asked again many questions. At this point, we are now at 9 months since filing the original HELOC application and, in my most recent conversation withCitibank, I was told to have patience. I indicated my patience has worn out. Since I had been underemployed and my son started College, I borrowed funds from my IRA in anticipation of securing the HELOC. I am quickly approaching the 60 days and the penalty period forrepayment of these funds is quickly approaching. 

In my opinion, I think this process should never had dragged out so long. If we had closedby XX/XX/XXXX ( which I think is reasonable ), I would still be at my $ XXXX/year job and we would not be discussing any issues of not having a high enough income.