WillisBack/dataset-financial-user-claim huggingface dataset:
I had missed one ( 1 ) payment in 35 years of home ownership- that being one payment XX/XX/XXXX- NONE XX/XX/XXXX during application.. in XX/XX/XXXX I missed another as a result of their foot dragging. 
XX/XX/XXXX- begin HAMP application/s with XXXX XXXX, while applying, loan sold to Nation Star, now XX/XX/XXXX- had to start over. 
continued application process for nearly two ( 2 ) years- docs after docs after docs. HUD rep involvement/class XX/XX/XXXX, by XX/XX/XXXX- informed I was denied HAMP- apparently they sold the note in XX/XX/XXXX to XXXX prior to disclosure/ HAMP denial. I never received denial of all programs then available- never provided opportunity to appeal nor was a 'Tier 2 ' visited by said servicer- they simply sold the note in the middle of my application. In addition, I was informed in writing at least once of ineligibility as the loan was not XXXX- when in fact it was along with countless other tactics to stall. 
Also-the denial I DID receive said simply- " Borrower does not occupy residence '' ( never lived ANYWHERE else in 20+ years. 
Promptly informed XXXX was not 'obligated nor willing to offer a reduced mortgage or HAMP ''. 
XX/XX/XXXX- HomeSettlement sells loan to XXXX XXXX ( representing XXXX XXXX ) now having missed two payments XX/XX/XXXX XX/XX/XXXX and XXXX accepted {$1500.00} each month in XX/XX/XXXX & XX/XX/XXXX-I was informed XX/XX/XXXX that XXXX had become the servicer- purchasing with knowledge of the two short payments. 
Received notice of denial on XXXX/XXXX/XXXX, four ( 4 ) days after the date of the letter of denial via XXXX. 
So now here we are with an explanation of denial as except denial for ALL programs except 'Short Sale'This will not happen and I apprised them as outlined on their denial form, by telephone XXXX XXXX XXXX/XXXX/XXXX. 

One of the programs denied- requires unemployment.. now that I have returned to work- albeit sporadically this program is not applicable- though when I was unemployed and applying to Nation Star- I was never told this was a requisite- but now, as my life is improving a bit, this IS a requisite! 
I have been able to demonstrate XXXX/month religiously for several years and they describe the income as " not acceptable/ insufficient '' for most, if not all available programs. 
The documented behavior of Nation Star is an egregious/blatant misrepresentation of a Loan Servicer. 
not only did the OSHI ( an Oregon program ) fail me- providing ALL necessary documentation, they too misrepresented the program as ... " I own other residential real estate '' this is a blatant lie. 
The egregious misrepresentation of these programs is an obomination of power- contributing to the American Economy for forty ( 40 ) years- banks bailed out, monies provided to help- THESE PROGRAMS ARE A RUSE. 
OAR 137-020-0805 ( Oregon Servicing Rules ) Secretary of StateUnfair and Deceptive Acts in Mortgage/Loan Servicing has been perpetrated upon me at the least.
Several times now when I try to file a dispute online I am asked a series of questions. A lot of the questions I am asked are items that doesnt show on my report at all and is unfamiliar to me I never done business with the company. After answering correctly I receive an message that states that the information I entered is incorrect. I have brought this issue up several times with this credit reporting agency and every time they are unwilling to assist or get it corrected. I most recently had to file a dispute over the phone and was told that it was nothing that can be done and Equifax doesnt have a department where any information that is asked for security questions online can be corrected which is ridiculous. Also they state that items cant be disputed which the other 2 agencies will dispute and remove items in a timely manner. Equifax will say it cant be disputed and its automatically removed but they has been several times where I end up disputing items anyway because it wasnt removed. The information on my report is completely different than what XXXX  and XXXX  reports but its the same companies which I dont understand as well also they remove items much faster than Equifax does when its disputed
I don't have any contract with XXXX # XXXX ( XXXX XXXX  XXXX, XXXX , IL XXXX ), I don't have any contract with XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX , TX XXXX ),  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX is an incorrect address.
LoanCare has refused to make available our mortgage statements. We have requested this several times since our statements used to be able to be accessed online until we fell behind and within months we have no access. Since we have no access online we have no access to mortgage information or statement. We have called now over XXXX months and it has been promised but instead we get served foreclosure. We have not been given a notice of intent or acceleration. 
LoanCare have NOT : 1. made available our mortgage statement after many request 2. our access to our online account is no longer available 3. sent out any notice of intent 4. sent out any notice of acceleration 5. loan resolution packages
Online Payment XXXX To XXXX XXXX XXXX XX/XX/XXXX Bill payment {$89.00}. I deleted all the payments in the system made to XXXX XXXX. I called XXXX XXXX and asked if they could reverse the payment. They informed me they would bill a {$25.00} dollar charge if they did. I informed the representative that it would be okay. The representative came back and stated he could not or did not want to reverse the payment. I worked for a XXXX XXXX, XXXX XXXX and they have that option in their system. The representative told me to call the bank. I called the bank and the representative informed me that she was unwilling to reverse the charge. I would like to inquire as to why I am not getting proper treatment.The banking institution is Chase Bank. Please assist me I know there are consumer laws in texas and consumer rights. I feel this is harassment and discrimination because of the previous complaints that I have filed with the bank. I have been informed by banking representatives that because I am not XXXX they would not assist me. I have made request for disputes and the representatives are rude and play games over the phone. I called and complained about these representatives and this is the outcome of my complaints. What banking regulations would allow that I consumer not be able to have a charge reversed. Please Assist me.
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX XXXX every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.
First of all I have no idea what this charge is for or when it originated. if it originated on the day that XXXX on XXXX XXXX of 2015 I have insurance through my job at XXXX XXXX XXXX and there should be no reason why there would be any charge on my account especially at a hospital. Also, it shows on my closed accounts that this same charge had been closed previously and reopened multiple times after I challenged XXXX it reopened in the other ( XXXX to XXXX ). Which seems to me to be sneaky, if you close it close it. I disputed it on XXXX saying I have no clue about this charge and they did nothing and showed me no documents on this charge. I really have no idea what its for. I have had insurence for the passed few years and have n't even seen a hospital. It is seriously affecting my credit unless it can be justified somehow I see no reason for it to be there. I do n't have any recollection of a almost {$900.00} visit. Please help. Show me documents, something.
I have two private loans with XXXX. One of my loans has my brother as a co-signer. XX/XX/2016 I lost my job and was n't able to make the payments. I called each month to let you guys know I was n't able to make my payment. I also asked several times to be put back in deferment due to not working. I was told they did n't have any options for me. So know my two loans are in Recovery. My rep is XXXX. I feel they are not working with me. I 'm doing the best that I can and I feel they are not working with me. But, continue to tell me that my loans will be given to a lawyer or agency. I paid my monthly payments every month before I lost my job. I feel that I 'm not being treated well. Is there something that can be done? Can I be put on a payment plan vs XXXX calling every week asking for a payment? I also paid {$1300.00} over the last few weeks and I receive calls stating my loans are in recovery. I have to always tell them that I 'm working with XXXX. Then they see the notes that I am working with XXXX. I wish they would review their notes before calling me every week.
It started with greentree servicing I would send my house payment a few days early for instance I would send Aprils payment the end of XXXX payments were due on the XXXX I started getting phone calls from greentree saying my XXXX payment was late I told them no that is my XXXX payment early I told them to double check their records they agreed with me then several months later the same thing over again only this time they would n't back down when I told them it was a payment early not late my husband and I got l laid off in 2007 I admit we were late on some payments but always got caught up sending extra money if we were 2 weeks late here would come the letter of default they would say we did n't make such and such onth payment when I have documentation that they received it it might have Been late I have documents saying what was due and what they received they always got more money then was due but we always owed more I have documents saying on XXXX paper the original note was {$85000.00} and other papers saying the amount of note was {$83000.00} they say our house payment was XXXX it {$670.00} I was hung up on when asked about their additional charges on every stub totalling XXXX dollars I was constantly getting harassed by their phone calls I owed {$120.00} on Decembers payment I could n't make XXXX payment XXXX XXXX I got the foreclosure papers in the mail they did n't wait to see if they were going to get XXXX payment I called them right away and told them I would send them all the money that I owed them that day which was {$1400.00} but it went up to {$4000.00} I told XXXX I did n't have that much just what I owed she said '' well when can you move? '' I believe my home should not have been foreclosed on they wanted us out of their we filed chapterXXXX bankruptcy to try and save our home but the bankruptcy payments kept going up so we could n't afford it anymore so it was dismissed and greentree was right there we also paid a place over a {$1000.00} called consumer advocate to try and mediate with gt and do a forensic scan of all the paperwork they are no longer in business I think that might have been a scam. There were so many different amounts juggled around with gt I could n't keep track of it all I lost a lot of paper 's moving around so much after I lost my home I will attach these documents I apologize about the condition there in
I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.
My reverse mortgage was transferred from XXXX of XXXX GA to Champion Mortgage of XXXX MI and XXXX TX on XXXX XXXX, 2015. Since that time they have requested and I have sent them Occupancy Certificates and Property Insurance documents that XXXX never asked for. Now they have just sent me a mailing that looks to me like a marketing scam except that the heading claims that I am in default. It mentions solutions that will terminate the mortgage but never says why the mortgage is in default. I think I have satisfied all the requirements of the mortgage contract. I want to get your assessment of the situation before I ignore or contact them by phone or mail.
I closed all of my Bank of America accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed.
On XX/XX/2018 I got hit with a hard inquiry from chase. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.
Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.
The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.
XXXX XXXX XXXX XXXX needs to delete and remove this fraudulent account from my Equifax credit report immediately.
I visited a Hotel called the XXXX in XX/XX/2018, I had an awful time. I called management during and after my stay. I even emailed with a manager, an email thread in which I provided Discover Credit Card. I advised Discover that if the merchant wanted to bill me, they needed to bill me directly, and NOT through Discover as I was NOT authorizing this charge. Discover disputed it, and the company ignored/ took months to get back, and I was recharged because the hotels corporate office claims that there was no record of me complaining, even though there is a clear email thread that I provided to Discover and then Discover provided it to the XXXX/ XXXX. I was recharged in XX/XX/2018, even though I also provided copies and screen grabs and access to my multiple XXXX  complaints against the hotel. I then started new XXXX complaints in XX/XX/2018 which have gone ignored by XXXX XXXX of XXXX and SBE. I have proof that this was ignored, both complaints were sent back to me advising the merchant refused to respond. I've provided this information to Discover Bank who has REFUSED to stand by me as a consumer and I will not stand for this. The credit card has mistreated me and not stood by their word. I got horrible - XXXX and XXXX service by XXXX XXXX XXXX and then my own credit card company is refusing to stand by me and refusing to dispute the charge. The XXXX has refused to even provide a discount. This is unacceptable! Discover is being 10000 % impossible to work with on this matter. 


My XXXX complaints that have been ignored CLEARLY show that the company doesn't act with integrity and with ethics, yet Discover is putting me through all of this.
I am a listing agent that has been working on a short sale for almost XXXX years now. We have received bank approval previously and had the buyers walk in escrow. Most recently, we had short sale approval at the price of $ XXXX. The buyer walked in XX/XX/XXXX. We found and submitted a replacement offer at $ XXXX. A new Notice of Trustee Sale was filed last month assigning a foreclosure sale date of XX/XX/XXXX. The previous NOTS had been filed XX/XX/XXXX and the sale proceedings had been on hold since then. We received a counter from the investor to $ XXXX which the buyer has met, and all requested documentation has been submitted. We were instructed that unless the file was in closing we would not be able to request postponement of the sale date. Now, although the file is complete and has been for several days, Bank of America has not moved the file forward. As the buyer has fully met the investor 's counter offer, and we previously had approval at a lower price just two months ago, there is no reason why we should not be moving forward with the current offer. Our negotiator went out of town without notifying us, and we have been attempting to work with her supervisor the past few days. We have been unable to get them to request the postponement, or even move the file forward in review. Now it is looking like the home will go to foreclosure auction on Friday, although both buyer and seller are highly motivated and we have an offer at what has been requested.
On XX/XX/XXXX when I was making a payment over the phone for my mortgage, the servicing company ( Specialized Loan Servicing, LLC - SOS ) offer me a 3 month deferral payment because I was on the affected zip code area in XXXX. First they told me to just not pay for three months, that it sounded very odd to me, when I called again and again, they always gave me a different answer. Finally on the 12th call, they told me I needed an approval from the bankruptcy court authorizing the to grant me deferral program. My attorney went to court and got approval by the court and send it to them. I didn't pay for three months and on XX/XX/XXXX, made my first payment and so on, until this date. Now they are taking me to court and saying that am 3 months behind payments, because they never signed an agreement with me. After trying to find a solution and explain that I was affected by the Hurricane, they offered me a 6 month re-payment plan ( for the 3 unpaid months ) wish I agreed, but now they are not sending me the agreement of the repayment plan and are taking me to court. 
I do not think is a fare way to deal with a customer and I do not believe I have done anything wrong other that believe their word. 
What options do I have than to take them to court and I do not have the funds for an attorney.
XX/XX/XXXX Trans Union To Whom it May Concern : After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Below are the errors I have identified : XXXX XXXX Verifying this account I think there may be something incorrect such as the date open, late payments, payment status and account type if so repair ASAP. XXXX XXXX Please take your time to see this account I believe there may be an error on the account number, account type and the comment verify this information correct this if there are errors ASAP. XXXX XXXX See this account there may be something incorrect such as the past due, comment, payment status and payment history verify if its correct or delete this from my report. XXXX XXXX Looking at this account I believe there could be something incorrect such as the high balance, date open, and the account status see if this is correct or delete ASAP. XXXX XXXX Look at the late payments, comment and payment status I believe there may be something incorrect corroborate this and repair or delete ASAP. Incorrect Name XXXX Can you verify this name I think there may be an error repair and put my full name XXXX XXXX Take a look at this account I think there may be something wrong such as the account type, account number and the date open verify this information correct or delete from this account. 
Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. 
Regards, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX CC : FTC, XXXX, Office of Attorney General