WillisBack/dataset-financial-user-claim huggingface dataset:
My husband died on XXXX XXXX I get behind few payments and send to Forclosure on XXXX XXXX the Florida hardest hit pay to My mortgage company {$38000.00} to bring my account current but after they get the money they double my payments and fees from {$1400.00} to {$3200.00} I have proof of what I m saying I went to a court Forclosure day and the judge grant me a motion to compel because the mortgage company do n't want to cooperate with me and I ca n't afford an attorney, I 'm a head of the house my Daugther XXXX and XXXX veterans depends on me, I have proof the Green Tree take vantage of me and they denied to review my account or scrows, I applied for a loan modification and they denied with out letters and close my application for missing documents, lately they do n't want to give me any letter everything is with Phone calls the I make.I can make payments reasonable payments, they took {$38000.00} from a government agency and lie to me, I have documentation to prove. GreenbTree LLC my mortgage is XXXX XXXX XXXX died / XXXX XXXX
In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me.

Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank.

I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them.

I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it.

Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX  and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse.
ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much
My mortgage loan servicer, Ocwen Loan Servicing, has breached the forbearance agreement by changing the terms and they did not notify me. I happened to go into my account today and I see that I am delinquent when I should not be. I have been following the terms of the agreement I had agreed on for over a year now. Suddenly the payments have changed. They have increased. I was shocked to see I was still owing for XXXX. I called up to Ocwen confused as to why my payments are different now and the first agent I spoke to, XXXX, said that I was delinquent on the taxes and that the taxes 'had not been paid '. This did n't sound right ( and I later found out she was incorrect ) because Ocwen has been paying the taxes for me for years. I have been escrowed with the taxes. The agent gave me inaccurate information by continuing to assert that I was suppose to be paying the taxes. So I requested an " escalation representative '' and she transferred me to " XXXX ''. XXXX researched my account and said that no.. the previous agent was wrong. She said that Ocwen had been paying the taxes and she then said that it appeared someone had gone into the system and 'changed the agreement ' that I had agreed to in regards to the Forbearance agreement. She could n't understand why they had done this and she then transferred me to XXXX ( a home retention agent ). I asked for XXXX to remain on the line after she offered but XXXX refused to speak to me unless XXXX dropped from the line. He said his computer system would not let him even pull up my account while the Ocwen retention agent was online ( even though she had bagged out of my account ). I knew this was a lie. So at this point I told him and XXXX that this was the third or fourth time my forbearance agreement had been changed without any notification to me or consent from me. I asked her to have her manager call me. The call was concluded. The call was made on XXXX/XXXX/2015 at around XXXX XXXX. 

I have had such trouble with Ocwen. Starting from them over-billing me, Locking me out of my home and trashing my home and putting foreclosure all over my credit reports for two years when I had never been foreclosed. I have prayed for some type of relief. I thought after the previous lawsuit I had found relief. But now nothing has changed. Ocwen is back to changing agreements without notification or consent and I am now again in danger of losing my home. I pray for the CFPB to help me. Please put me in touch with an attorney. Or someone who can help me. No one cares about the little guys. No one cares about us. Please help me.
Opened a Wells Fargo checking account on XXXX XXXX which had {$250.00} signup bonus. " We 're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XXXX XXXX, XXXX. '' I was eligable for the bonus and was informed that bonus will be applied to my account " Status : Your application has been approved, and your new account is eligible to receive a bonus offer '' I Deadline for opening account to receive bonus was XXXX XXXX. I opened and met terms of account on XXXX XXXX. Made initial deposit of {$50.00}, which was {$25.00} more than required. Wells Fargo refuses to pay {$250.00} bonus per advertisement of signup. I informed them of meeting the deadline and terms and company refuses to issue bonus. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.
I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.
From XXXX XXXX to XXXX XXXX, I was unable to make the $ XXXX payment needed to keep my account active. XXXX XXXX and Navient reccomended at every opportunity to enroll me in forbearance and at some points told me I did not qualify for lower payments nor the public service loan forgiveness program despite working for a non-profit. I was able to learn more about the public service loan program and submitted the application and paperwork however it never arrived at Navient. Last month ( XXXX XXXX ) their stance has completely reversed and was informed of better repayment options through XXXX
I have been disputing these inquiries with transunion for months the customer service wo n't help me I have unauthorized inquiries I need removed asap. I do n't know why these creditors are pulling numerous reports they are as follow .... 
XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 1XX/XX/XXXX.XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX All the above inquiries are not authorized by me XXXX XXXX I am requesting transunion remove these the creditact protects me from unauthorized inquiries please rem0ve them Sincerely XXXX XXXX XXXX
It is my belief that Roundpoint Mortgage should terminate PMI fees now that I have reached the XXXX % threshold as stated in my original PMI loan documents. I notified them in writing as required. I have never been delinquent on any of my payments to them since the loans inception, I have a XXXX plus credit rating and my house market appreciation has well exceeded the original loan apraisel based on other homes recently sold in my area. 
They insist on requiring me to get an apraisel which would almost eliminate any cost savings to me. Even though it is not clearly stated that that would be required in the original loan documents. Seems a though the whole system is rigged in there favor to unfairly profit off of responsible home owners like myself
I paid off my car in around XXXX XXXX with Ally Financial they stated that I still owed them about {$2000.00} in late fees which I tried to disclaim. I gave up that fight and agreed to paid the late fees on a term of a {$100.00} a month. They stated that they agreed but that I could only pay them by check so I did. XX/XX/XXXX I had a balance of {$400.00} I wrote a check for {$100.00} however the Ally Bank withdrew the whole amount of {$400.00}. I called on numerous occasions but no one would help me resolve this issues. I l later got my title and lean release in the mail. Now I still get daily calls 2 - 5 times a day asking me to pay off the balance that I still owe them {$300.00}. I have informed them over and over again of the previous information and still they have refused to hear me and continue to call and mail me letters. I do n't know what else to do as I refuse to give them another dine.
I AM HAVING MAJOR DIFFICULTY AS WELL AS MY ATTORNEY, AS GETTING AN ANSWER FROM CIT BANK FOR EITHER AN APPROVAL OR DISAPPROVAL ON THE STATUS OF A RE-MODIFICATION APPLICATION OF MY PRIMARY RESIDENCE!! THE PROBLEM IS, CIT BANK, NEEDS TO MAKE AN IMMEDIATE DECISION AS APPROVED OR DISAPPROVED ON THE RE-MODIFICATION, AS THEY ALREADY HAVE AN UPCOMING SALE DATE SET FOR XX/XX/XXXX, WHICH IS LESS THAN 30 DAYS FROM NOW!! I AM CURRENTLY IN A FORECLOSURE THAT HAS BEEN ON GOING SINCE XX/XX/XXXX AND HAS FILLED OUT MANY OF AN APPLICATION, WITH MANY OF THE BANKS, THROUGHOUT THE YEARS, AND RECENTLY HAVE SUBMITTED 3 NEW APPLICATION TO CIT BANK SINCE THE BEGINNING OF THIS YEAR. INITIALLY, THE MORTGAGE NOTE WAS HELD WITH THE FORMER XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX AND AGAIN TRANSFERRED TO CIT BANK, WHO CURRENTLY IS SERVICING THE MORTGAGE LOAN FOR THE LAST 2 YEARS. 
I AM A XXXX, WHO CURRENTLY HAS THE MEANS TO PAY A MORTGAGE, AND MEET ALL CIT BANKS CRITERIA FOR A MODIFICATION, BUT, KEEP GETTING STONED WALLED WITH NO FINAL ANSWER ON THE STATUS OF THIS RECENTLY SUBMITTED APPLICATION!! THEY HAVE MORE THAN 5 YEARS OF BANK STATEMENTS AND HAVE THE LAST 8 YEARS OF MY FILED FEDERAL INCOME TAX ON FILE!! I NEED THE CFPB TO STEP IN AND INQUIRE WHY THERE IS NO DECISION ON THIS RE-MODIFICATION INLITE OF THE DOOMING SALE DATE WHICH WILL HAPPEN WITHIN THE NEXT 30 DAYS. 
IN XXXX XXXX XXXX, THE JUDGE OVERSEEING THIS CASE, IN AGREEMENT WITH THE CIT BANK ATTORNEYS, ALLOWED FOR THIS APPLICATION TO BE SUBMITTED AS THE JUDGE AGREES THAT I WOULD MEET THE CRITERIA FOR APPROVAL AND NOT HAVE THE BANK TAKE MY HOME. ANY FURTHER DOCUMENTATION NEEDED PLEASE LET ME KNOW!! YOU CAN REACH ME VIA E MAIL XXXX or call XXXX XXXX XXXX CIT BANK- PHONE- XXXX LOAN NUMBER-XXXX PROPERTY ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number.
A few years ago my wife and I purchased a timeshare while in XXXX XXXX. The Company is called the XXXX. We made our payments on the mortgage over the years and a few times we were late resulting in the company reaching out to us by email. They have always been able to contact us when they wanted to. They are not so good with returning emails. Over the years we have never received a coupon book for the mortgage or the maintain fees. We just continue to mail off the mortgage payment with a little extra every month. Last month, we received a notice in mail we finally paid off the mortgage with a refund. However, over the last 3-4 years we were sent over to a collection agent one in Florida and now one in California. This new one in California has attached a bad debt to my credit for these maintain fees that I know exist but the company never once reached out to me until these third party companies started adding in their extra fees. I attempted to talk with a XXXX XXXX today who was yelling at me about not paying my bills. Stating I moved without informing the company but I never lost contact with them for the mortgage payment they made sure of that.

The collect agency is : Continental Central Credit Inc.

Address : XXXX XXXX XXXX XXXX  CA XXXX Phone number : XXXX Rep : XXXX XXXX I dont mind paying the maintenance fees to the company directly but why wouldnt the XXXX  company contact me directly first. Why, would these people attach their self to my credit report when they didnt even look at it when I bought the timeshare? I feel this has some discrimination in it because we have credit reports in America allowing these companies to have some power over people while in other countries they dont these reports to granting this power. In addition, if I do owe them all this money why did they refund me from the overpaid mortgage? None of this make sense and rude collection agencies are just trying to make their cut off this.
On XX/XX/2018 I submitted to Equifax credit reporting agency an Affidavit of identity theft, a police report and a summary of events detailing how for the past 5 years I have been a victim of identity theft. 

I requested that Equifax investigate fraudulent loans, and bank accounts on my report and demanded that I receive proof/documentation that I personally opened they accounts and loans within 30 day of the letter. I have also requested for the creditors to investigate a provide results back to me and Equifax As of today XX/XX/18 I have not received any documentation from Equifax or the creditor to prove that I am responsible for the accounts, nor has Equifax stop reporting these accounts. 

The reporting of this fraudulent information has been a negative impact on my life and has hindered my ability to obtain credit, get insurance and open a bank account and I have been suffering a hardship ever since.
None of my Federal loans are in default and I had no idea they have been that way for the past three to five months my private student loans have been in default for over a year and they never sent me any documentation to let me know and now the turn my credit score down to XXXX and I have no idea that I could get that low. So now I ca n't even get a loan to get an apartment so I can get my own place. I think because they defraud me of my education in the classes were so poorly managed that they should just eat the loans that they have for me and wife might get out of my student loans completely. Oh yeah I went to XXXX XXXX by the way
I moved out of XXXX XXXX at XXXX XXXX, in XXXX Texas, on XXXX XXXX, 2017 having provided proper notice, etc. The final bill arrived on XXXX17, about the same time a letter from a collection agency arrived ( collection agency was the following Tuesday ). The final bill was for my final utilities and such. The problem started, as mentioned, when a letter from a collection company, came just days later. The apartment complex states that if the final bill is not paid within 30 days, it 's automatically sent to collections. The final bill shows that it was n't prepared until XXXX XXXX, 2017. Then, apparently they did n't mail the letter for a week or longer so by the time it reached me, my 'grace period ' had already lapsed and it is in collections. I contacted the former complex and worked out a couple of charges I did n't believe were fair, over the course of a week. Meanwhile, I contacted the collection agency and disputed the amount and told them that I had just received the bill and was going to pay it, but to the apartments. XXXX XXXX at XXXX XXXX, told me today, that since it 's in collections, I must pay the collection agency. I do n't want this on my credit and I have told both parties that I intend to pay but I did n't have any time to pay it before it was sent to collections.
XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.
We have started a call log with Midland Crdit Agency, calls received from the agency are ongoing..my husband has no idea what debit they are referencing because they are collecting on debt XXXX yrs ago. On XX/XX/XXXX calls started at XXXX, XXXX XXXX am, XXXX, XXXX each time I explained he works during the day & I have XXXX to please call after XXXX.XX/XX/XXXX XXXX, XXXX- which my husband answered the phone and he told them he would get back to them on Monday because we are working w/a debt consolidation company then @ XXXX the same guy he spoke with XXXX XXXX called again from Midland Crdit agency & my husband explained he already talk to him, enough of the harrassment.