WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far. 
sincerely, XXXX XXXX
I signed up for a keybank easy checking account for a {$250.00} promotion. The promotion details indicated use direct deposit for {$500.00} or more within XXXX days to get the {$250.00}. I called once I had completed the required {$500.00} and was told yes i have met my qualification and would get the {$250.00} within the next few months. 
I emailed yesterday inquiring about how long it is taking to get my {$250.00} to ensure it is still on its way and was told I did n't meet the promo criteria because it is a single direct deposit for {$500.00}, not direct deposits combined to equal {$500.00}. I called to advise this is deceptive and has now caused harm in my inability to do a single deposit for {$500.00} to meet the qualification as the window of time has past. The representative told me that I did qualify when I spoke with her today, but when i pushed for clarification she did confirm it needed to be XXXX transaction of {$500.00} or more. XXXX I have called and been told yes i qualify, but finding today I actually do not. This is deceptive and unfair as now I am not able to fulfill the terms, due to misinformation provided by key bank.
Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX  XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. 

My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
I am a victim of identity theft. An identity thief used my personal information without my permission to keep the account open make purchases with  XXXX . This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.   Please see proof that  XXXX   Revolving  account was paid in full in   XX/XX/XXXX . Th is account was paid to a   XXXX   balance and I have not use. Now this company call  Midland Funding LLC, h ad taking action to collect payment from me i n Small Claims Count. The hav e file a case and this is not my debt. Midland Funding LLC, states that I own  XXXX ,  XXXX  and file a cas e on  XX/XX/XXXX  i n  XXXX   XXXX   XXXX . The amount is for changes in  XX/XX/XXXX  and I have not knowledge of any of the debt.
I opened my citi bank account with a bonus of getting {$400.00}, after I deposit XXXX into my account in 30 days after opening, and keep the money for 60 days. I opened the account on XX/XX/XXXX, put {$15000.00} on XX/XX/XXXX, kept {$15000.00} for 60 days. The terms said I should receive the bonus 90 days after I keep the money for 60 days. So I should have gotten the bonus by XX/XX/26. However, I still have not gotten the bonus. 

When I call Citi, they tell me to keep waiting. Even though the bonus was due on XX/XX/26. I would like to get my {$400.00} bonus ASAP since its already overdue.
I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.
Experian and XXXX Consumer Agency has placed a fraud alert on my credit report without my consent. The XXXX consumer agencies acting in this manner because XXXX has purposely submitted a correspondence to the agencies indicating that I recently requested a fraud alert to be place on my credit profile. I have not submitted a letter in writing to XXXX, Experian, or XXXX requesting for a fraud alert to be placed on my credit profile. I recently filed a complaint as well as last year with the CFPB asking for XXXX to release a requested copy of my credit report. I recently submitted All XXXX agencies legal documents from my Chapter XXXX Bankruptcy to dispute inaccurate information regarding former Creditors and the account status which was and still is incorrect. I do n't know why XXXX has provided false information about a fraud alert that I have not recently placed. I always submit in writing and I always make a copy. XXXX is doing this intentionally. I have never really experienced any issues with the other agencies.
XXXX/XXXX/XXXXDear CFPB : Chase Visa defrauds me of {$55.00} charged to visa XXXX which XXXX charged on XXXX for a plan. 
XXXX breaches agreement for the plan. XXXX bills me for services. One service is to provide working CDs. The agreement provides XXXX to provide me XXXX working CD 's. 
XXXX does not fulfill its service or its contracted promise. 
XXXX refuses to send a working XXXX ( XX/XX/XXXX ) CD. 
XXXX sent me out XXXX technically defective cd 's. XXXX knowingly sends out CD 's it knows do not work or XXXX fails to check out that they work. I conclude that the service is not compliant with the contract. I reject that I am paying for services not cd 's. 
If I pay for services of a CD and the CD is never sent so that it works and XXXX does not address this problem then XXXX breaches its service and Cd agreement. Otherwise I would be asking for the same XXXX XXXX infinitely and never get it -- XXXX would be in violation. 
Specifically I paid XXXX {$55.00} for one month to send XXXX and it was sent over and over to me and never worked and I timely complained to XXXX and XXXX just kept ignoring and sending more nonworking CDs. XXXX breaches its contract and I wont pay this {$55.00}. 
I want the {$55.00} or I want XXXX XXXX ( XX/XX/XXXX ) working now. 
XXXX does not get eternity to send me XXXX working CD. It is unreasonable for Chase to say I pay for services and permit XXXX to send nonworking CD 's over and over. It is abusive. It violates the XXXX agreement. 
I wo n't settle. Give me XXXX working XXXX XXXX ( XX/XX/XXXX ) CD now or give me a refund. 
Nothing less will do. Otherwise I will take this to small claims court. 
If XXXX sends me another cd and it is again technically not working then I will save it as evidence for court. 
Basically XXXX refuses to deal with the royalty or technical rights issues preventing my playing this CD and ignores the problem. 
It is unreasonable for me to have accept continued XXXX XXXX replacements which are technically defective. This is not living up to the agreement. Specifically if an XXXX XXXX CD is not sent within one month then I am within my right to get a refund or give an ultimatum : send XXXX working cd of easy money ( XX/XX/XXXX ) or refund. 
No more abuse of my rights. 

Chase fails to take action to get me {$55.00} or get me a working XXXX XXXX ( XX/XX/XXXX ) CD. 
Chase excuses XXXX 's breach. Chase states XXXX has eternity to send me a working CD. I disagree. I do not excuse XXXX 's breach. Fix the problem or refund. 

I want {$55.00} or I want Easy Money ( XX/XX/XXXX ) CD now and it must work. 
I do n't excuse XXXX from its contract.
Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.
Purchased a french bulldog puppy on line for wife 's birthday. XXXX MoneyGram transactions. To arrive today at our address. Did not arrive. Phone number not answering. Internet search revealed a second site with same pictures of the puppies ... same descriptions, etc. Suspect fraud.
I got a loan for debt consolidation from One Main Financial in XXXX 2016. Macy 's credit card was on of my things to payoff. I took the check made out to Macy 's for payoff account to Macy 's department store in XXXX, SC. The check was {$660.00}. It was Attached with my billing statement and credit card itself the lady at the counter took my payment with no problem. I received a billing statement reflecting the payment of {$660.00} was applied to my account on XXXX XXXX 2016. The next billing statement I received was a surprise because my account was supposed to be at a zero balance. It showed a huge increase in my balance, it also showed a payment reversal for {$660.00} on XXXX XXXX 2016. Not once did I receive an email regarding the payment reversal, no notification whatsoever. I called Macy 's to see what was going on. I also had the customer service representative to dispute my account back in XXXX, that way it would n't show owed a payment until this is resolved. At first no one could tell me what happened. I asked to speak to a supervisor regarding the matter. Again, I was n't getting a straight answer as to why my payment was reversed. At some point, I was told it was because they did not have my Macy 's account number on the One Main Financial check but how was it applied to my account if they did n't know where it belonged? Then I was told well it may be because we are n't showing we received the funds. Again, how did you apply it to my account in the beginning and randomly reverse it two months later? Still no good answer. The supervisor told me the payment research department was requiring proof of the cleared check from One Main Financial. I retrieved the cleared check and faxed it to Macy 's XXXX different times. The Manager of One Main Financial also reached out to the supervisor and faxed the cleared check to Macy 's payment research department as he was asked to do. Still there was nothing done about the payment, they kept asking for more stating the cleared check was not good enough. Now they needed a letter on letterhead from One Main Financial and bank statements. I told the supervisor numerous times this was a huge third party corporation and they could not just give me bank statements. I spoke to One Main Financial regarding a letter on letterhead, he states he does not have the authority to do a letter. He states at his point I have followed my normal protocol for this matter. Currently, Macy 's said we are done with matter since we are not getting the " letter '' that we need. My account is now back to its regular standing and I must continue to pay my monthly payments starting on XXXX XXXX 2016. My balance is back to {$660.00} which is supposed to be paid off. This affects my credit, my money and I am now in the middle of buying a house!
I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.
I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.
In 1999, we consolidated several student loans with Navient. The TOTAL principal was {$70000.00}. In our application, we applied for a " level payment plan '' and the disclosure statement promised : {$70000.00} in principal to be repaid, and {$50000.00} in interest payments, for a total repayment of {$120000.00}. The term was 180 months or 15 years. All of those documents are attached. Now, we are more than 18 years later and we have paid {$100000.00} in interest ( more than TWICE the disclosure form ) and STILL have a principal balance of {$61000.00}. Meaning, in 18+ years, we have paid {$100000.00} and only reduced the principal by {$9000.00}. As opposed to 15 years total, and {$50000.00} in interest. Navient claims that we entered into a " voluntary forbearance program '' for 24 months and a " graduated repayment plan '' for 6 years. Yet, they did not provide a single document that shows we entered into either program AND THEY DID NOT PROVIDE any disclosures from Navient that updates the disclosures required by law. indeed, the programs they describe STILL do not permit a 19 year plan in which we pay double interest with only a {$9000.00} reduction in principal. If Navient is to be believed, we will be paying off this loan for 200 more years. importantly, while we did sign a promissory note, NOTHING in any disclosures, contracts, applications or agreements from Navient describe a 200 year ( or even a 19 year ) repayment plan, with {$100000.00} in interest against a {$9000.00} principal reduction. I am giving Navient one last chance to resolve this with a substantial principal reduction ( of at least 50 % ) or we will be filing a class action lawsuit. I truly hope this wont be necessary.
Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.
Experian Credit Bureau incorrectly lists my name on my Experian credit report as : XXXX XXXX. I do not spell my name that way and have never legally gone by that name. They need to delete this name from my credit report. The last name is correct, but the first name is spelled incorrectly. It should only be listed as XXXX, not XXXX.
Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.
Phoenix Recovery Group was sold some debt that they claim is from a medical provider. Once Phoenix co ntacted me about the debt, I asked for verification I have the debt from them. I never received it. I contacted then again over 30 days later, and at that point the y sent one illegi ble piece of paper. When I complained, they said that Texas did not require them to provide proof of service.
This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed
I 've disputed items on my credit report with TranUnion and XXXX, a few months ago, I have n't seen any progress on my report. I called both Credit Bureaus twice just to check on the progress and they responded with no updates. I recently called TransUnion because I noticed there were inquiry 's on my report that has nothing to do with my accounts and would like them removed NOW. A representative then told me that the inquiry 's that was n't associate with my accounts is would be removed waited XXXX weeks and nothing has changed for inquiry 's nor disputes. Going to the third month soon.