WillisBack/dataset-financial-user-claim huggingface dataset:
For almost 4 years I have been trying to get a loan modification from XXXX with no success. I have been trying keep my family in our home. I am 18 payments behind. For some reason XXXX sold my loan to selence finance. Now I am trying to get one done with Selence and they will not work with me either. I have asked both XXXX and Selene Finance to send me a copy of my original loan papers just to see if they are even allowed to forclose on me. My payment has went up almost 400 a month and since for some reason the they will not explain. They wont even tell me the investor that owns my loan. I have been scamed by to different companies that said they could get me a mortgage modification. They are XXXX XXXX and XXXX. to the tune of over 53 hundered dollars. My account number with Selene financial is XXXX and I owe about 220 thousand dollars on the loan. The Builder that sold me the house had the appraisal pushed to XXXX XXXX dollars and trade my home in on their new one. He could not even get XXXX dollars out of the house. and after a couple of years the owner of the company came to me and said he is giving me back my old house. He never took it out of my name. the payment on the house was almost 1100 dollars and i could not afford to take it back and was forced to file bankrutcy. The state of indiana attorney general sue the builder XXXX XXXX for several hundreds of thousands of dollars in fines because the did that to more than just me. My loan or account number with Selene financial is XXXX. Please help me get a loan modification so I can keep my family together. I can afford about XXXX to XXXX per month if they will modify the loan to that. Sincerely XXXX XXXX XXXX
On XX/XX/XXXX of this year ( 2018 ), I was at Home Depot and I made a purchase and they offered me a {$50.00} discount if I applied for their credit card, so I did because that was a substantial discount. But to my surprise, it was declined, they said they would send me the reason in writing. 
In the mail ( XX/XX/XXXX ), I received a notification from Home Depot telling me that it was Citi business that notified them not to do business with me. ( copy of the letter is attached ) A year prior Citi cancelled my Visa account and they refuse to give me a reason for their action, all they wrote was that they have the right to do so, with or without cause.
XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - Experian, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
My husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.
Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP
Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.
Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me.
XXXX, XXXX I requested Ocwen Loan Servicing , LLC the current status of mortgage loan # XXXX that showed as a delinquent on my credit report when I tried to obtain a Home Equity Line of Credit thru various banks. My applications for such credit were denied in part because of such loan ( XXXX ) shows as pending debt. 
Ocwen responded with a letter dated XXXX/XXXX/XXXX ( see attached ) that this loan was assigned for collection to XXXX XXXX XXXX ( XXXX ) on XXXX, XXXX XXXX. To my surprised I was under the impression that this loan was " Forgiven '' under the proposed modification agreement that I received dated XX/XX/XXXX ( XXXX attached ). 
In a letter dated XX/XX/XXXX. Ocwen requested documents to show my financial hardship at the time, which I provided that to them ( See attached ). 
I would like to know is why Ocwen opted to charge off the loan and not forgive it as an option within the newly created Home Affordable Modification Program as stated under " The Mortgage Forgiveness Debt Relief Act and Debt Cancellation for loans modified between XX/XX/XXXX through XX/XX/XXXX. 

I would like for Ocwen Loan Servicing , LLC to provide me a detailed description on the actions taken on their end that shows the proper practices and regulations were followed and that I was not discriminated and taken advantaged of my little to none knowledge of the complete loan modification that took placed and Its be denied by Ocwen.
I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.
Ive contacted XXXX XXXX in regards to late payments reporting on my credit report. Ive attempted to inform them of the financial hardship I was facing at the time of the late payment. Sending them multiple goodwill letters requesting the late payments be removed and they arent willing to change it. Ive been A loyal customer for over 4 years with 2 active credit cards in good standing. I havent made a late payment in years since Ive overcame my financial hardship.
I called Wells Fargo on XX/XX/XXXX to see if I could apply for a forbearance for two loan payments XX/XX/XXXX. I had a medical hardship as I XXXX and work did not approve my FMLA. I was told it could take up to 10 business days to complete the process. I did not receive any confirmation or denial via email, phone, or paper mail so I followed up on XX/XX/XXXX. The representative informed me that the processor needed additional information. The additional information needed was provided during the original call on XX/XX/XXXX. Due to the excessive time it has taken my payments are due and I have had to borrow the money to ensure my payments are made. I have never missed a payment since my loans went into repayment status. I have perfect credit and will maintain my scores in any way I can. I also feel like Wells Fargo is a predatory lender. I requested that Wells Fargo consolidate my loans and they denied my request due to my debt to income ratio. The rates of interest are 4 percent higher than unsecured loans on top of that they are variable rates with no fixed rate options. If the prime rate increases I assure you I will not be the only consumer crippled by this predatory loan structure and lack of willingness to help the consumer.
After I reviewed my free credit report, Experian billed my credit card for credit monitoring services without my approval. I never subscribed to their services. They said it is in their terms and condition for viewing the free credit report. How can something be free if they make you pay for it and then bill you monthly. Trial membership that requires someone to call and cancel the membership should be forbidden.
I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response
On XXXX/XXXX/14 I underwent a XXXX procedure ( XXXX ). Prior to the procedure I was assured by XXXX that my insurer, XXXX, would cover all expenses, including XXXX, as long as the XXXX bill was no more than {$400.00}. I was further assured that this had not been an issue in prior procedures. Base on that information, I anticipated that my XXXX bill would be covered. 

Since that time, I have received constant demands for payment of {$2200.00} from XXXX XXXX XXXX XXXX. I had no choice in the selection of this XXXX, who is an out-of-network provider.
I have an unverified account from Diversified Consultant. I had previously disputed this account. I have never done business with Diversified Consultant. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultant provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultant Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Disputed both online and XXXX number but both paths ran into errors on site and representative unable to process dispute. Online dispute stopped at step 1 with error a support evidenced attached. Representative attempted to defer and re-direct to a new department. That department was XXXX. Requested an escalation but XXXX XXXX only was listening in the background and did not announce herself. Stayed on hold for 1/2 hour and was finally transferred from XXXX to Supervisor XXXX .also XXXX deferred back to XXXX to escalate and stayed on hold for 50 minutes on hold and still no escalation. Finally a very rude XXXX from Customer Service and Office of the Executive kept prying into reason for transaction and only wanted to ask the nature of purchases. I explained a similar transaction from same vendor on XXXX/XXXX/16 and gave concrete example of no fee charged but XXXX could not provide an explanation. Requesting full refund of and and fees charged by Wells Fargo on this account. Internal case # with Wells Fargo is XXXX but XXXX ended recorded call with " we are not reversing any fees. '' XXXX essentially stated the they would do NO research and had already judgement on a flawed service where company charges arbitrary fees on unsuspecting customers. 

Next steps
This company filed a lawsuit, and gained a judgement. Following that they sought a garnishment of my wife 's wages. They never served her with paperwork and have no proof of service as is required by SD codified laws.     http : //sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?  Type=Statute & Statute=21-18-11  They incorrectly served ONLY her place of employment and illegally had more than   XXXX   % of her disposable income taken from her check to the amount of approx. {$700 .00}. This is illegal on more than one  level.
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. THey are supposed to respond with the results within 30 days. I received my responses from XXXX and XXXX XXXX weeks ago, but I have still yet to receive anything in the mail from Equifax.
I completed a balance transfer of {$4800.00} on XX/XX/XXXX to a Capitol One credit card. I selected this card as it was advertised with no interest on a balance transfer for 12 months and called to confirm this was the case before completing the transfer. I have just received my first bill and was charged an interest rate of 23.74 % on the balance transfer. There is no reason I would have completed this if this was the situation explained to me as it is beneficial to me in no way.
My mortgage contract permits me to pay in advance without penalty. The contract does not limit how far in advance I may pay. I stay paid in advance ( presently six months in advance ) and most often also include extra principal payment each month. 
Nationstar Mortgage has been informing me that I may pay no more than six months in advance. I have repeatedly asked them where in my contract it limits me to paying no more than six months in advance and they refuse to tell me. They always respond that they are sending my request to a research team as my inquiry is complex and I will hear in 7 to 10 days .... yet I never get a response. This month I notified Nationstar that as they can not point out where in my contract it states I may pay no more than six months in advance, and as my contract allows me to pay in advance, that I would be submitting an additional payment to pay seven months in advance and that it should be applied as such. 
On XXXX XXXX, XXXX I paid my mortgage for XXXX XXXX, XXXX and included an additional {$150.00} towards the principal. My next payment should therefore be due in XXXX XXXX. XXXX. However, Nationstar failed to apply the payment toward my due date of XXXX XXXX, XXXX ... and instead on applying the payment properly, left my next due date as XXXX XXXX, XXXX and applied the entire payment merely towards principal with no credit as an advanced monthly payment. 
I contacted Nationstar and asked that this be corrected and that my next due date be listed as XXXX XXXX. XXXX. Nationstar refuses by stating that allowing me to pay more than XXXX months in advance XXXX cause my account to fall into default. This is an asinine and nonsensical reply. 
My contract plainly states that I may make advance payments without penalty. I have repeatedly asked Nationstar where in my contract it limits these advance payments to no more than XXXX months and they have never been able to respond. 
I ask that my XXXX XXXX, XXXX payment be applied towards the XXXX XXXX, XXXX payment due date plus the extra {$150.00} towards principal and that my next mortgage due date be corrected to read XXXX XXXX, XXXX. I also ask that all future advance payments be applied correctly as I intend to have my mortgage paid at least one year in advance, and more if I am able.
On XX/XX/2016 I submitted an application online and finished it over the phone with XXXX at Amerisave Mortgage. At this time I told him that I had a 1st and a 2nd mortgage that I wanted to subordinated the 2nd mortgage to the new first and wanted to make sure that would be ok. He said that would be fine locked my rate ordered disclosures and collected the funds for my appraisal. XX/XX/XXXX I received my initial LE and no subordination fees were listed at this time. ( My loan was also priced incorrectly not listing my XXXX, which I did n't know at this time ) XXXX subordination paperwork was submitted via email and into Amerisave 's system. XX/XX/XXXX Appraisal came in lower than expected but new disclosures were generated with a rate adjustment for the difference. ( again priced incorrectly, did not know at this time XXXX XXXX new LE was generated with updated pricing showing subordination fees XX/XX/XXXX contacted Loan officer about the inaccuracies on LE, he said he would look into this and told me that he did n't have it priced with a XXXX mortgage being subordinated. XX/XX/XXXX email from LO stating his boss was looking into the incorrect fees but never heard back or received an updated LE. XX/XX/XXXX uploaded and emailed title work from the title company including a prelim CD showing the updated title company 's fees ( I still have n't received an updated LE on this either ) XXXX original subordination agreement was received by the title company and emailed to Amerisave processor XX/XX/XXXX Received an email from my processor at Amerisave stating that I had XXXX outstanding conditions, both items requested were emailed to her XX/XX/XXXX. XX/XX/XXXX I was informed that the information that was submitted on XX/XX/XXXX was n't enough and that it had been elevated to credit risk for approval. At this point I have processed my own loan and still have been given the run around. They have tried to charge fees that were well out of the three day window to redisclosue due to a change of circumstance and also did a bait and switch with my pricing, when it was fully disclosed at application that I was going to be subordinating my XXXX mortgage to the new first with Amerisave. Now that we are getting close to my rate lock expiring they are dragging their feet for my approval. Being a XXXX as my profession this has been the worst experience that I have ever been through, had this been someone that was n't familiar with the process it would have been even worse. At this point I feel that they are dragging their feet to deny my loan because of all the error 's that I have pointed out to them.
I filled a dispute with Experian because there is a XXXX XXXX account that is on my credit report that is not mine. Someone stole my identity. Experian failed to remove the account and to add insult to injury Experian updated the date on the account and now it appears that this account has current negative information and the account was scheduled to be removed on XXXX. SHADY. I attached my report before the dispute and my report showing the re-ageing.
I tried to open the account with CIT Bank. Even after providing all the information on the online application page - it 's just not even moving any further. So many other consumers are also facing the same issue due to the terrible website that they are having. Called them thrice yesterday about this issue and they ca n't fix it. There is no other way to open the account with CIT Bank.
I sent 2 letters to two different addresses found on my credit report only to have them returned to sender.

Then I received a letter by mail from this from this company ( I.Q. Data International ) with 2 more addresses on it demanding that I provide certain information for them to help assist me with investigation of my claim. 

Then I reached out to the XXXX to use their platform to communicate with a representative from this company ( I.Q. Data International ) I reminded them of their legal duties as a company ... .an example of this was 1. FDCPA Section 807 ( 8 ) [ 15 USC 1692e ] 2. FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ] It has been more than 31 calendar days since I've sent my last challenge letter & they have yet respond with a resolution They are using stall tactics as well as illegal tactics to provide me with what they call " PROOF '' not an itemized printout of what they claim is my account or billing statement. 
The FTC has issued an opinion letter on this subject matter and this concludes that those do not represent verification. 

also I asked them for their method of verification FRCA Section 611 ( a ) ( 6 ) and ( 7 ), excluding XXXX because as we all know computers make errors so that would be considered Insufficient.

I have tried everything so I've been maintaining a careful record of my communication with I.Q. Data International/XXXX XXXX XXXX for the purpose of filing a legitimate complaint with you guys ( CFPB ) The date that is is question on my credit reports are XX/XX/17 and they failed to provide a copy of any alleged contract or other instrument bearing my signature. 
Their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws is disrespectful, embarrassing, and a misuse of authority. 

They should be held liable & fully accountable for their wilful non compliance, I take this matter very seriously & I'm desperately seeking results if you can please step in and lend me a helping hand to best of your ability I would so graciously appreciate it. This is my last goodwill attempt to have them clear up this matter which is inaccurate and represents a serious error in their reporting .... According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information not the consumer!!! Thank u and have a nice day Sincerely, XXXX XXXX
XXXX XXXX XXXX ( Loan Officer at XXXX XXXX ) did not get our consent to pulled the Credit. When my husband and I received a notification from our Credit Bureau on the XX/XX/XXXX. We thought our identity were stolen. We called XXXX XXXX XXXX immediately to find out what was going on. The representative from XXXX informed us that the pulled was from a Mortgage Company Named Academy. I remember XXXX XXXX, ( The Loan Officer ) mentioned to us they were moving to a different bank on XX/XX/XXXX. I called XXXX XXXX immediately and asked her why she pulled our Credit with out our consent. She then told us it was after hours for us to give her a call back in the morning. I called XXXX back the next day XX/XX/XXXX. She told me she thought I knew what she meant when she said she 's moving our file to Academy. As I was talking to her and trying to get a clear understand of why she pulled our credit without sending us any disclosures or what Academy Corp is about. She hung up on me. after 15 minutes later I received an email from her requesting us to accept E-consent. I also attached a screenshot of her email, alone with the call history and the Hard Inquiry from our CB.