WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX Alliance One Accounts on my credit report, for {$60.00} each from " parking tickets. '' They were from a car that I had sold, but the buyer did n't transfer the title. 
When I called to make a payment, they told me they would delete the accounts from my credit report. On XXXX XXXX, I was notified by the credit bureaus they came off my report. On XXXX XXXX, they re-reported with no notification from the debt collector or the credit bureaus. Now, when I call the debt collector, they say that I owe {$5400.00} in past parking tickets. Every time I 've ever dealt with this company, I 've paid my account IN FULL. This is so disheartening that they do this to consumers. I paid them in full, they agreed to delete the accounts, not they re-reported them and it weighed down my credit score by XXXX points.
CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX
Hello!  In XX/XX/XXXX, I applied for a loan modification at the encouragement of Ocwen to assist with lowering my mortgage payment.  I was told I would have to do a trial period from XX/XX/XXXX to XX/XX/XXXX, which I completed successfully.  After this, I was told I would received permanent loan modification.  It took 3 months for Ocwen to send me the new terms and conditions of the loan, which had to be notarized.  I completed the paperwork and sent it back.  2 months later (in XX/XX/XXXX), I received a phone call indicating that the paperwork was rejected due to the co-borrower not signing (my ex husband).  I was very upset by this because my ex husband and I have been divorced XX/XX/XXXX.  He signed a quit claim deed back over to me and I sent that, along with my divorce decree to Ocwen the year we divorced.  I think the mortgage company was GMAC at the time.  Regardless, I resent the quit claim deed and Ocwen was able to find my divorce decree.  At this time, I contacted the Ombudsman through Ocwen.  They offered to have a notary come to me to resign the paperwork.   The notary came to my work and I completed the paperwork and then received a call a few days later that it had been rejected due to not signing correctly.  I was told that I needed to sign the paperwork with my married name, and then aka with my current last name, as it appeared on my quit claim deed.  The notary who came out initially was given the wrong direction and while meeting with me, called for clarification.  When this was rejected, I received another call from Ocwen and they sent another notary out to my home. This was on XX/XX/XXXX.  While there, she wanted me to sign the paperwork with my legal name and no aka.  I told her no, that was wrong, but she didn't have any further instruction.  After she left my house, I received a phone call from the title company who sent her and I let them know what happened and they called the notary back to my house and I signed the paperwork the way I was supposed to.  3 weeks later, I receive a phone call from Ocwen, and they tell me that the paperwork was rejected, as of XX/XX/XXXX, and I need to have the co-borrower sign!  They are referring to my ex husband and here we are back to square one.  I am going in circles with them.  I almost had XXXX on the phone with them and immediately called the Ombudsman again.  I am waiting for a call back now.  I am so frustrated because this has affected my credit score, as Ocwen is reported my account to be delinquent, as this has not been updated to the credit bureaus.   I have a 592 credit score because of them and there is absolutely nothing I can do, which is why I am reaching out to you.  If there is anything you can do to expedite this and to right the wrong they have done with my credit score, I would appreciate it.  I am a hard working person, I don't qualify nor want any state aid.  I have a good job.  I just fell behind due to my divorce.  This modification is taking 9 months now.  This is so unfair.  I couldn't even get a loan or refinance if I wanted to.  Please help.
I dispute XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX account on my credit report. I am requesting that XXXX XXXX account is deleted off my credit report and credit file.
A man called me claiming to be XXXX XXXX. He said that he was going to come by my house Monday, XXXX XXXX with papers for me to sign because I was being sued. If I did not call the number XXXX With the said reff number he would be coming by my house with paperwork to be signed because I was being sued. When I called the number it was to Lionstone Holdings. I am not sure what they want but I have never had a loan through them, nor do I have an unpaid loan. I do n't appreciate a strange man saying he is going to come to my house!!
I have disputed the negative information reported by XXXX since XXXX XXXX 2017. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history unfavorably.
XXXX XXXX XXXX XXXX XXXX reported the balance incorrect on my credit card which is causing a negative score against me. Please have XXXX XXXX XXXX XXXX XXXX correct the matter.
I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.
XXXX XXXX XXXX  is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own
I was living at XXXX XXXX ..in XXXX Texas ... During XX/XX/XXXX-XX/XX/XXXX year .... I moved out ... And the management company .... Put a false owed balance on my credit report and said I had bed bugs and they had too treat the problem .... Very suspicious behavior and illegal .... Actions .... I'm wanting criminal charges whom ever was involved ... And that money paid back too me ... In full ... ... very poor management and complex ... drugs and fighting and barely no security .... There ...
I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.
XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.
Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.
On XX/XX/2016 a garnishment levy was placed at Bank of America and a hold was placed on my personal checking and savings account. On that same day a " judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Bank of America. Bank of America staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Bank of America, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem " escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.
In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.
Freedom Mortgage do not credit escrow account, missing money, not respond to audit request over several times, claiming shortage on escrow account when is none, paying insurance bills multiple times and wrongfully. 

I have called several times to Freedom Mortgage representatives, to request the errors made on the account be corrected .Examples described bellow prove that Freedom Mortgage is unable to properly managed our escrow account. 

Here a some examples : 1.- XX/XX/XXXX. A Check we mailed for XXXX with written : : '' PLEASE APPLY TO PRINCIPAL ONLY '' was deposited toward future payments. I had to call several times before this error was corrected and the XXXX applied to the principal balance. This is not the first time this has happened when we made additional payments toward the principal. 

2.- On XX/XX/XXXX statement. the amount we pay to escrow, which is XXXX was not credited to the escrow balance ; XX/XX/XXXX ; and XX/XX/XXXX, the escrow balance on our statements shows XXXX. Please explain why. 

3.- On XX/XX/XXXX, we received a notification that there was a shortage on the escrow account, for XXXX XXXX. This huge shortage, just to the simple view, does not make any sense, since fire insurance for next year is XXXX, and the difference on property taxes for next year is XXXX Property Taxes for XX/XX/XXXX-XX/XX/XXXXwere XXXX Property taxes for XXXX are XXXX = ( XXXX ) Hazard Insurance From XX/XX/XXXX to XX/XX/XXXX = XXXX Hazard insurance From XX/XX/XXXX to XX/XX/XXXX = XXXX. XXXX = ( XXXX ) XXXX= XXXX= XXXX escrow shortage ; not XXXX. 
ADDITIONAL OBSERVATIONS To my surprise, Freedom Mortgage made a payment to XXXX XXXX for Hazard insurance for year XX/XX/XXXX- XX/XX/XXXX in XX/XX/XXXX for XXXX XXXX, almost three months before the coverage ended in XX/XX/XXXX. This payment must had been done in XXXX, not in XXXX. 
Please explain why. 
HAZARD INSURANCE IS ALREADY PAID FOR A YEAR ; FROM FOR XX/XX/XXXX TO XX/XX/XXXX! 

When the analysis was made on XX/XX/XXXX, this fact was overlooked and that created a shortage : XXXX + XXXX = XXXX We have not only had issues with escrow errors, always in your company 's favor, but also had problems with you receiving our mortgage payment on time, Freedom Mortgage has claimed twice, they did not received our mortgage payment. We use bill pay to pay for dozens of bills we have due to our business and never had any complains nor late payments except for Freedom Mortgage We have compiled records of other payments made by our bank on our behalf, that were mailed on the same dates Freedom Mortgage had claimed did not received payment on time ; ALL of them cleared their checks on time, except for Freedom Mortgage. 

Your prompt response to our request is appreciated. We hope to have this solved by the end of XXXX. We will not hesitate to take this further if these issues are not solved satisfactorily. 
Thank you Best regards. 
XXXX and XXXX XXXX
I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 
2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 
3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 
5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 
6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. 
If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also.
My loan was paid off by another lender to Wells Fargo and they are still listing this debt as charged off and closed. They agreed to reflect this debt as paid in full and remove any negative items but continued to show this debt negatively impacting my credit report.
We paid off the mortgage of our house to Nationstar Mortgage on XXXX XXXX, XXXX. After multiple visits and calls to their office, XXXX County clerks insist that they have not received the Release of Lien letter from Nationstar Mortgage yet and the loan is still under our names in the county 's records. XXXX County does not accept any XXXX copy of the Release of Lien and they need the original one from Nationstar Mortgage. 
In addition, the status of loan payoff is not being reflected in the MERS system ( still shown as of XX/XX/XXXX and XX/XX/XXXX, when we refinanced it XXXX. 

The Director of Real Property of XXXX County advised me that they ( the county ) can accept an original certified Release of Lien letter to be sent by Nationstar Mortgage to me and I can then submit it to the county to negate the loan ( see the communications embeded in the attached file " Complaint to NSM - XXXX '' ). They showed me similar letters from different financial institutions and emphasized that there is nor problem with sending such a letter to the borrower. 

I made over XXXX ( XXXX ) phone calls to Nationstar Mortgage and sent XXXX ( XXXX ) emails and XXXX ( XXXX ) signed letters to their Customer Relation Department along with the emails from the Real Property Director of XXXX County requesting the original certified Release of Lien letter. 

Despite all of the above, unfortunately, Nationstar Mortgage keep sending the same machine generated ( XXXX ) copies to me over and over and the county clerks keep rejecting that. XXXX additional identical copies received yesterday. 

Supporting documents are attached. 

We, my family and I, are stressed out with this issue and we desperately need your help to resolve it as soon as possible as I will be deployed overseas soon. It is so frustrating that after months of paying off the mortgage, our house registration is still in limbo. 

Looking forward to hearing from you
the company ran my credit report multiple times, unauthorized, resulting in several credit inquiries on my credit report damaging my credit standing/score. i have contacted the company via certified letter requesting removal or proof in the very least. they replied without proof and with no resolution. I then called the company and got more of same and bounced around to several departments with no luck. i then contacted XXXX by phone ( tried an online dispute with them prior to this ) where the inquiries were generated and they informed me that they do not dispute inquiries.