WillisBack/dataset-financial-user-claim huggingface dataset:
I decided to buy a home in XXXX XXXX. By XXXX XXXX, XXXX, I was signing my XXXX mortgage paperwork. I had requested to SC XXXX XXXX ( who sold me the house ) that my payment not be over {$600.00} but it was {$800.00} w/a promise that I could reduce that after a year. A year later I find out I have a balloon payment. I filed bankruptcy. I paid that off in 9 months. My mortgage kept going up. I applied for and was put on a HAMP. My insurance went up after XXXX claim. I got a new insurance carrier. My mortgage payments continued to go up. I tried desperately to work with OCWEN who has my loan but to no avail. They have charges on my account they wo n't explain. I have asked why my mortgage keeps going up. They said rates go up and escrow is short. My insurance premium was less than {$1000.00} & is now {$2600.00} a year. Coverage is {$240000.00}. My house is worth less than {$69000.00}. My payoff on my mortgage is {$65000.00}. I have requested, since XXXX XXXX, to speak to my " relationship manager '' but keep being told they are busy and not able to assist me. I submitted paperwork, XXXX XXXX, XXXX, for a Short-Sale because I do n't know what else to do. But now they are saying the process will take several days which means I will go right into foreclosure. The realtor I have for the short-sale talked to them right after I did and was told I CALLED AND REQUESTED TO CHANGE MY APPOINTMENT! I then told her how they have told me several times they have no record of me calling! I went online and found out they have several lawsuits filed against them for the very things I am complaining about. I contacted my states attorney general 's office and they told me to file a complaint. My home loan started with XXXX, then Homeward, then AHMSI, and now with Ocwen. Ideally I want to keep my home. I have lived here almost 9 years. But realistically I can not afford to stay here as long as my payments keep going up. In the meantime a short 3 weeks after I moved in the bathroom tiles started falling off ; noticed the air did not work upstairs nor in the XXXX bedrooms ; nails coming up through the carpeting ; was supposed to repair siding and XXXX windows and remove metal spikes but did not! They sent to property managers ( XXXX came XXXX ) who promised to fix things but they did not follow through. To top it all off : The agency I work for has not given me a cost of living raise in 5 years. So while all my necessities go up my pay does not to the point my pay has dwindled due to health insurance and taxes going up! Is there a complaint again SC XXXX XXXX? Is there a complaint against the insurance company XXXX/XXXX? 
I need help please and thank you. I appreciate your time!
I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.
Please refer to the detailed letter attached that I wrote to XXXX XXXX XXXX after they called me regarding my Macy 's account. Macy 's is completely violating the FCRA reporting to my credit a charged off account and only showing XXXX 120 day lates in XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is a balance I do n't owe also reporting of {$280.00} ( see attached page of my recent credit report ). I closed this account after the terrible customer service trying to find out why my perfect financial past is being heavily hurt by their errors and I cant get a home loan because of them. I NEED THEM TO CORRECT THIS IMMEDIATELY OR I WILL FILE A LAWSUIT AGAINST THEM. THEY DECIDED TO NOT CASH MY CHECK AND RETURN IT TO ME AND CA N'T EXPLAIN WHY. I AM NOT AT FAULT AND IT IS FRUSTRATING TO HAVE TO TAKE THESE MEASURES TO RECTIFY IT. SEE ALL ATTACHED DOCS AND HOLD THEM ACCOUNTABLE.
This a formal complaint against Transunion located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair credit reporting act and has caused me unnecessary financial and mental distress. They continuously report erroneous and unverifiable accounts on my credit report, not to mention accounts that I ask for proof of claim in which they have yet to provide after multiple disputes per FCRA. Despite my efforts to resolve this unfortunate nightmare for several months, Transunion has completely ignored the properly investigating all legal submissions to remove these inaccurate accounts from my credit profile. Im well aware of the many complaints filed against this company for unethical business practices. Yet somehow this company is still in business. This companys negligent behavior has caused lots of harm, not only to my ability to establish good credit & get lower interest rates, but also to my character as a professional individual. Please help me and other consumers put a stop to their unethical business dealings immediately. I thank you for your time and consideration to this matter.
My mortgage was serviced through XXXX XXXX and sold to NationStar. I have never missed a payment with XXXX but from the beginning, I was told that I was behind in payments from NationStar.
I had a medical emergency from XX/XX/XXXX and I had to use the XXXX XXXX from my city. At that time I had medical and when the bill came I sent the XXXX XXXX my information and I never heard from them again until Summer of XX/XX/XXXX, but I got contacted by XXXX XXXX XXXX in the city of XXXX. I spoke to a person named XXXX XXXX and she was very rude and was talking down on my personal life. I had just came back to work in XX/XX/XXXX due to being on XXXX leave and I explained that to her she did not care nor try to work with me. Her words did affect me emotionally due to the fact that I had just XXXX XXXX in XX/XX/XXXX. I refused to speak to her since she was very disrespectful and also harassing my job, so I asked to speak to someone else. I got transferred to someone else and I explained to them my situation and I told them that I needed to reach out the social worker and ask if they can pay for that balance since I was covered, so when I called the Medical Offices they said they were able to pay for it and then a couple days later I got a call from my social worker saying that unfortunately they weren't able to pay for the balance. I called XXXX XXXX XXXX to let them know about the case and I explained to them that I didn't have money and that I was going to talk to my social worker to see what can they help me with he said it was fine and to call back once I was ready. I called them on Friday XX/XX/XXXX and told them that I only had a certain ( {$1500.00} ) amount that I can give them the person whom I spoke with her name was XXXX she put me on hold and said she was going to speak to her supervisor, when she came back to the line she said that they can help me by paying off the debt with only {$2000.00}, but I had to take in cash to their office. I told XXXX I didn't have that amount I only had the {$1500.00} she then put me on hold again and said she will ask her supervisor. When she came back on the line she repeated that they could only do the {$2000.00} and in cash only. I told her I can perhaps do {$1700.00}, but I would have to borrow the extra {$200.00} to make it {$1700.00} she said that if I had the {$1500.00} in cash and the rest can go on someone else 's credit card, but it had to be the {$2000.00}. My battery phone died and I didn't get a chance to finish the conversation with her. I found it a little odd that they asked for only cash, so I decided to call the Better Business Bureau and when I checked their Scam Tracker their Zip Code came out. I called the BBB on Monday XX/XX/XXXX and they said that they have about 9 complaints from that company and that their mail keeps getting returned back to them. I am not sure if I should go ahead and pay them because I do want to buy a home in the near future and I don't want my credit score to get jeopardize due to that company. Thank you.
Contacted by midatlantic conumser credit about a debt that is beyond the statue of limitations. Provided to me when requested no statement or proof that i owed the debt. I willingly gave them a settlement payment however when i tried to contact them to change the date of funds the number is disconnected and the person that gave me their personal number does not return any calls. I contacted my bank and stopped the payment. I believe i am being scammed by this company and have seen over the web that other people have had this experience with them as well. I would like to report them and have an investigation opened. The kept calling all my family members about my debt and all different phone numbers were used. and any of those numbers were not in service after i tried to call them back. Please look into this as they are trying to extort money in very bad ways. Phone number used that is not in service is the following XXXX Mid-Atlantic Consumer Services '.
Remove it violated my rights Still XXXX refuse to pay me Experian not any better XXXX XXXX XXXX Lied so much said all kinds of XXXX protectionism that she should be fired Lies doesnt know what or how to do her job I wan XXXX associate to personal apologize for being a liar Violation of XXXX XXXX
I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. 

Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.
I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.
I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.
I purchased a car financed through ally bank for my daughter loan # XXXX te the car was totaled in an accident in XX/XX/XXXX. the car was insured through XXXX and the loan had gap insurance through XXXX. XXXX paid Ally bank {$12000.00} the book value of the car, Ally than made a claim to the gap insurer of {$4400.00} The full amount was paid by XXXX. I called Ally spoke to someone in customer service to confirm they received both payments and was advised yes and told " do n't worry XXXX the loan is PIF " I never received any additional monthly statements after that until 4 months later in XX/XX/2014 I received a letter from Ally claiming I was in default of my loan and that {$290.00} was 120 days past due. When I called Ally Bank to find out what this was about they told me that the GAP insurance did not cover the late charges when I asked what months and amounts were the late charges for after holding for 19 minutes the girl said there are NO late charges on the loan and see transferred me to the asset recovery unit after explaining the entire story all over he said I do n't have anything to do with your car it is not out for Repo ( NO KIDDING ) I called back and asked to speak with a manger and told that woman the entire story all over again and she said " well the gap insurance did not pay what they were supposed to " they never do '' I called the gap insurer and confirmed they paid the exact amount demanded from Ally Bankd {$4400.00}. I called back Ally told the same story one more time and was advised this amount was interest due on the loan I asked how that could be and interest for what months and the girl told me it was for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2014, when I asked how could that be when the loan was PIF in XX/XX/2014 she said you need to speak with a manger and all she could do is take my information and a manger would call back in 24 hours I 'm still waiting. I have contacted Ally Bank and the collection agency they hired server times but as I said I 'm still waiting for a call back. clearly they put the insurance funds in some type of suspense account rather than apply them to the loan which caused additional interest to accrue until they reconciled the account. This is being reported on my credit as a charge off which caused me real harm this month when I went to purchase a new car and caused me to have to pay a subprime rate.
Experian has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that Experian is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which five creditors are reporting incorrectly. The first Creditor is XXXX XXXX, they have violated their terms and agreement and the late payment that was reported is incorrect. XXXX XXXX has been reported to the FDIC for the improper conduct and the late payment was removed from XXXX and XXXX. The second Creditor is XXXX XXXX XXXX, they sold the account to XXXX collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in XX/XX/XXXX, Experian has yet to update and correct the account as closed. The third incorrect Creditor is XXXX, Experian is incorrectly reporting that the account is still being charged off As of XX/XX/XXXX, that is incorrect the account was settled and closed in XX/XX/XXXX, Experian has yet to correct this. I know it 's not XXXX 's fault because it 's been corrected on other bureaus except Experian. The last creditor is XXXX. On Every Bureau XXXX has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the XXXX accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is XXXX XXXX XXXX XXXX XXXX. This was not a collection account nor charge off in  XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX. It has a negative payment for the month of XX/XX/XXXX when it was clearly paid off and closed. Another reason how I know it 's incorrect because the Dept of Ed does n't allow individuals to consolidate a student loan that is in DEFAULT.  These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because one line of the Experian Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a change of heart.
Greensky has close to {$90000.00} of money that they owe us in a " reserve '' account that they have had for over a year. They will not tell us when this will be released and how we can get these funds. We have a mutual customer that is trying to payoff their loan with Greensky but they are trying to make us send them more cash when they already have a significant amount of money that they owe us. Because of this our customer is not able to pay off his loan and Greensky will not respond with a fair solution.
Letter received from TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX. 
Stated it was a credit agency demanding payment of {$150.00} sum of balances from 5 accounts. Creditor not stated. 
I believe this to be a scam. I have checked with XXXX and XXXX  and there is no debt reported. 
Please advise
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX ;
A collection company with an unknown date reported some payday loan or something that is not mine to Transunion, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and Transunion and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit
I revieved a Payday loan in XXXX of last year. I received it and I paid it back because they took right from my account but then proceeding to " roll over '' the loan and because I didn't call them they re enrolled me in another loan which I did not want. And when I called I got the response well since you didn't contact us we it rolled over or whatever the excuse was. My response was. I paid it in full. Why would I call you? Now it's on my credit for double what my original loan was that I paid. On top of that they overdrafted my account and I had to close it. They took complete advantage. So now it's my credit. I'm a single dad that pays an outrageous interest rate on my auto loan because of this. This is wrong on so many levels. I learned my lesson. I'll go without or before I even think about doing business with a Payday loan.
While I was on vacation I missed a payment and when I returned I paid for two months but they claim I did not pay. Tried resolving with navient a couple of times, no success.
Nationstar Mortgage ( Subservicer for XXXX ) has inaccurately managed/inaccurately funded my escrow account two years in a row, resulting in escrow shortages over {$2000.00} that I've been responsible for paying back because of their mistakes. 

When I bought my home on XX/XX/XXXX, Nationstar setup my escrow account to pay taxes bi-annually. This is not allowed in the city I live in, they only accept tax payments paid annually or quarterly. This caused an escrow shortage of {$2400.00}. 

In the " XXXX XXXX or XXXX XXXX XXXX '' ( attached ), it states the home sellers credited me {$2400.00} to cover the taxes from XX/XX/XXXX to when I bought the house on XX/XX/XXXX. That {$2400.00} was never applied to the escrow account. Instead, Nationstar credited it towards closing costs. 

XXXX and I called XXXX ( our facilitator at closing ) at XXXX XXXX and she informed us that the lender is responsible for collecting the appropriate amount to escrow, not the title company. XXXX said that it was not closing company 's responsibility to ensure that the {$2400.00} went towards the escrow account. XXXX suggested that I instead contact my loan officer ( XXXX XXXX, XXXX ) regarding the issue. XXXX XXXX was ultimately unable to resolve or help with the issue at all, claiming that once an interest rate is locked in, the rest of the mortgage process is completely out of his hands. 

I've since confirmed that the tax documentation from the title company that was sent to the loan processors in charge of my account conveyed that the taxes should have been paid annually. Yet, NationStar setup my taxes to be paid bi-annually, thus creating this - {$2400.00} negative balance in the escrow account. 

I contacted the county treasurer asking if a partial refund could be made to put my escrow account in good standing so we could then re-run an escrow analysis. They informed me they do not issue refunds. 

After talking to every representative at Nationstar and being escalated to the point where I met the highest point of management and could not be escalated any more, I was informed they could either adjust my mortgage monthly payment by $ 250+/month to make up for the shortage, or I could keep my mortgage payment the same if I paid the - {$2400.00} in a lump sum. Defeated, I paid the - {$2400.00} lump sum and moved on. 

Fast forward to XX/XX/XXXX. I receive a check in the mail for from NationStar for {$3100.00} along with a letter stating my escrow account is in surplus. I call them and they claim that my escrow account is over-funded. I explain all the issues I had last year, and ask them to re-evaluate. They research, and retract saying they made another mistake. 

NationStar had my escrow account setup to pay taxes annually, but at the quarterly rate of {$840.00}. Because of this, my total taxes paid for the year of XX/XX/XXXX are only {$840.00}. They should have had my escrow account setup to pay taxes quarterly at a rate of {$840.00} ( four times a year ). Instead, they only paid once. 

Now, they have cancelled the {$3100.00} check, re-distributed it into my escrow account, and claimed they've set my account up to pay the appropriate quarterly taxes.
I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.