WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?
An impound escrow was placed on my account due to unpaid taxes from the previous owner. I 've since paid the taxes to remove the escrow. I do expect a refund of that amount, but it is n't the source of this complaint. The escrow remains. After XXXX hours on the phone over the past six weeks, I still have not received any of the promised calls from a supervisor. My mortgage payment has doubled, and there is no one I can talk to.
This creditor is stating that account is XXXX past due with no payment The payments were made on time but they credited to wrong account. I faxed them copies of amount and dates of payments. They said that corrections would be made to account in XXXX days. Its been XXXX weeks. I need it fixed. And there are XXXX incorrect addresses that i have NEVER used.
My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX
Our homeowners insurance was not paid by Carrington from our escrow account, resulting in the cancellation of our policy. We were not made aware of the cancellation until we received a letter today from our insurance company.
The loan was originally taken out on XXXX XXXX, 2015 whereby the first inquiry was authorized & initiated. The loan was for the purchase of furniture, which was delivered in XXXX, 2015. While reviewing my credit profile, I noticed that said lender had run another credit inquiry on XXXX XXXX, 2015, which was not authorized. This XXXX inquiry prevented me from acquiring another loan! I have called the lender endlessly since I noticed the second inquiry, and even made several trips to their office - all of which seemed to have literally gone unnoticed! The manager had once instructed me to type a letter, which would be forwarded to their corporate office ( see attached ) to clear the matter up. To this date ( it 's been over 4 months since the letter ), all I get is the run around with nothing being accomplished!
Regarding real property located at XXXX XXXX XXXX, XXXX, CA XXXX, my principal residence, the mortgage servicer refuses to provide a monthly statement with payments, interest and loan balance information as required by federal and state law, Further more, refuses to provide an XXXX Interest Statement for 2016, finally, stated by phone today, there are no payments posted for 2016. This latter is a violation of the Confirmed Plan through XXXX District Bankruptcy Division of California, federal court, to which BSI was a creditor and in agreement with the terms of the plan without objection. The loan is being sold to XXXX XXXX , XXXX out of XXXX, they have advised to get my documentation from BSI Financial.
Sent a letter in XX/XX/2018 with request to close and account in Citizens Bank ( XXXX XXXX XXXX XXXX, MA XXXX ). Sent the same request by FAX since I did not hear anything from the bank. 
Received a letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$4.00}. 
How, is this possible if the account was was closed in XX/XX/2018. 
Next I receive a second letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$17.00}. 
Citizens bank says that I can deposit the amount in any branch or ATM machine. That is impossible because I live in XXXX, XXXX ( XXXX ) and  there are NO Citizens braches or ATM machines here. 
The big problem is that the bank is sending letter which use more than 1 month to arrive and someone keeps withdrawing funds from an account that should be closed. 
Obviously there is something wrong in the Citizens bank system. 
Please help before this get out of hand. 

Best regard XXXX XXXX XXXX
There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around XXXX.
I previously disputed the XXXX item off of my XXXX & EQUIFAX report on XX/XX/XXXX for XXXX and received the response below : I checked my credit again and it was put back on under XXXX for XXXX in the amount of {$530.00}. 
XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$530.00} Item Results Result : No Longer On File - XXXX has found that the disputed item is no longer on file. 
Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
Upon my Filing for Chapter XXXX, my daughter 's student loan, that I co-signed for, was taken out of deferment and charged off. ( sent to collection ). The bankruptcy was completed in XXXX XXXX and we ( Myself and daughter ) believe they are claiming that a payment was missed and a delinquency was reported in XXXX XXXX, for a payment amount that was established by them and at no time was it told to my daughter or I that it had been established. We think they are attempting to or will attempt to move the Statue of Limitation date. My daughter has been and is currently a XXXX with full deferment qualifications, with no lapses. She has Federal loans that to this day are in good deferment standings.
On XX/XX/ - USAA Bank released funds on a forged signature from an investment that was opened from XXXX XXXX XXXX. which was administered by XXXX XXXX XXXX XXXX XXXX, XXXX. The ending equity was {$14000.00} on XXXX XXXX. This money was deposited into an account by wire transfer with USAA Bank and released by USAA Bank to the person who forged my name and stole my identity. I have a copy of the document with the signature in my name and it is clearly forged. The actual withdrawal was {$13000.00}. I have filed a complaint with the XXXX XXXX, New Mexico Police Department, the Attorney General of Texas and the Attorney General of New Mexico. A letter was written to USAA Bank on XXXX XXXX along phone calls stating they were not responsible. A letter to XXXX XXXX XXXX XXXX XXXX, XXXX. plus phone calls were made to this company and the representative of XXXX XXXX XXXX These investment companies stated USAA was responsible for not authenticating my signature which was never done. I was never notified of these transactions as I was in communication with the administrator to follow their protocol to withdraw the funds. In the meantime as I was waiting for the funds to be released to me, I had XXXX XXXX XXXX and XXXX with a long recovery period. Before I got sick, this situation put me in a severe financial hardship as this also opened credit cards in my name with various charges which I have yet to be able to resolve. This person was a partner of mine in a XXXX XXXX  business. He is a XXXX XXXX and spent over a year in XXXX and is now XXXX XXXX XXXX. A hard lesson in who to trust.
XX/XX/2018 CapitalOne Account # XXXX This account was inactive and closed account for nearly a year. They suddenly charged me a membership fee of {$39.00} that I paid to avoid hurting my credit score. Call the company and file the complaint. It shows that it was inactive / closed but I am still charge the " membership fee '' They admitted that this account is inactive. They refused to reversed the " membership fee ''. I think it a scam for them to suddenly charge a so call membership fee. 

The refused to give me a cancelled confirmation but gave me some weird ID number XXXX.
XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.
I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.
Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''
Within the last few days, issues have happened with XXXX. 1 issue is that my phone number is associated with an Ally account, and as POA in two people 's sets of  accounts at XXXX XXXX The sender from XXXX tried {$100.00} to me with my cell number and it didn't even ask which account to send it to, it automatically chose a XXXX account. It was supposed to go to Ally and it hasn't yet. 

The 2nd issue is that XXXX took 3 days for my first XXXX money sent. Yet it took the money out and held it back on day 2. They need to fix these communication issues with XXXX.
Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.
equifax report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. equifax has items on my report that they others removed but and the items that equifax did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.
There were collection accounts added onto my transition credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.
This incident started XXXX XXXX with XXXX XXXX XXXX, I was for a loan modification that my daughter had applied for to reduce her interest rate, my husband is a cosigner on the account so it has directly impacted him. During the time of the loan modification XXXX XXXX XXXX sold the loan to Selene Finance, which in turn took until XXXX of XXXX to complete. In the mean time she was making all payments as requested by XXXX XXXX XXXX, completed the trial period of restructured payments assigned by XXXX XXXX XXXX to redo the loan with a lower interest rate on XXXX of XXXX. Since then she has been getting late notices and has been put in the credit bureau for non payment due to the change of payments made by XXXX XXXX XXXX and XXXX XXXX, the amount of payment were changed by the bank from {$930.00} to XXXX, but during the course of the transition between banks and them modifying the loan it took a year and them holding the payment in an unapplied funds account causing credit damage to them and my husband. We are still fighting with them and the credit bureau to fix this matter, my husbands score went from excellent XXXX to fair XXXX, he closed a business down with perfect credit and now due to the lack of concern on the banks concern has had his credit ruined due to someone not being able to do there job. We do hope you can help rectify this matter. 
We will be glad to send you all documentation to support this issue.
On XXXX XXXX, I asked Equifax to conduct an investigation of accounts that are reporting inaccurate information on my credit report. Nearly XXXX months have passed, and I have yet to hear back from them.
I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to be investigated have been ignored.
XXXX XXXX XXXX  charged usury rate of 97.10 % on a car loan.. i got behind 41 days and they repossessed car
Scottrade had a database leak that effected nearly XXXX XXXX customers. Exposing their personal information online and allowing fraudsters to login to their online bank account stealing the money as well as selling the personal information to facilitate fraud. I was XXXX of the victims of Scottrade 's failed security and I am writing this complaint to express my concerns that Scottrade is not doing enough to assist customers who have been effected by the breach and Scottrade is also downplaying the amount of information that was exposed. 

Specifically, the following problems have occurred : 1. ) Scottrade ignored Whistleblowers who had been reporting to management that their databases were not property secured and that important authentication information was not robustly secured. 
2. ) The protection services provided by Scottrade are not retro-active. Thus if your account was hacked in XXXX, XXXX, or most of XXXX, you have no protection and Scottrade willfully admits that it is not providing protection for customers. 
3. ) Scottrade will not clarify to me whether my Scottrade Bank account was also affected. Furthermore, Scottrade states that my passwords were encrypted and not hashed which is a very serious security concern. 

This in combination with the fact that Scottrade stores your personal information is plain text makes me regret my decision to bank with Scottrade.
I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in XXXX school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous XXXX have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.
Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.
On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.
I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.
We purchased our home in XXXX. Since then we have made our monthly mortgage payments ontime. We also have made additional payments every month and specifically asked for those payments to be put entirely towards principle. Every month we have had to call the company directly and speak to a representative because they have not followed our instructions. The company has allocated the additional payments to their own desires.