WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint on XX/XX/XXXX stating that Mr. Cooper Mortgage told me that XXXX XXXX was included in my escrow. Mr. Cooper agreed to pay for the outstanding tax bill with my escrow. They charged me two separate payments of {$1900.00}, but only paid XXXX XXXX   {$1900.00}. So I filed another complaint on XX/XX/XXXX where Mr. Cooper confirmed they reached out to the wrong entity on XX/XX/XXXX again, City of XXXX. I have repeatedly over the last few months tried to provide Mr. Cooper with the correct contact information. The last attempt was to XXXX  in an email response on XX/XX/XXXX I'm yet to receive a response. I requested a reschedule of the foreclosure trial that was suppose be XX/XX/XXXX Now it's XX/XX/XXXX. Here 's the following email from XXXX XXXX confirming Mr. Cooper has never contacted them.

From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX XXXX   <XXXX> Cc : XXXX XXXX   <XXXX> Subject : Re : XXXX XXXX v. XXXX  / Cause No. XXXX XXXX XXXX XXXX XXXX is with the City of XXXX, not with XXXX XXXX XXXX. She does not have knowledge of the collection matters. She can simply look online like any person.

Additionally, recordings of non parties are inadmissible hearsay.

XXXX -- XXXX XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX   XXXX XXXX <XXXX> wrote : Hello XXXX XXXX I have a recorded voice conversation onXX/XX/XXXX where XXXX from XXXX XXXX told Mr. Cooper those were the only fees due. Mr. Cooper will try to reach out to you today to try to resolve this issue again.

XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : XXXX XXXX, Attached please find the Plaintiffs Notice of Trial in the above-referenced matter.

Respectfully, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

The Overlook at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX T : XXXX XXXX F : XXXX
I received a call ( XXXX ) from Trinity and Hope Associates on XXXX/XXXX/2015 about a bill in the amount of {$610.00} owed. I asked to check with insurance ( XXXX XXXX XXXX XXXX XXXX South Carolina ) on the issue and gentleman replied he would not that I refused to pay and hung up. I called back and got recording. I left message stating that I did n't refuse payment I had simple ask to check with insurance for more information. On XXXX/XXXX/2015 obtained original number and information on matter from XXXX Hospital and was advise to submit to insurance to see why not paid and to call central billing ( XXXX ) It was then I encountered XXXX from Trinity and Hope. She accessed my files and said the amount owed was {$1100.00}. Since I had no record of bill I agreed to pay amount with my XXXX XXXX Card, fearing that case would be turned over to attorney and fees and penalties would incur according to XXXX. XXXX then conferenced in a representative from my insurance company, XXXX, and while pretending to be canceled by previous request for insurance to submit for insurance to pay. XXXX seemed suspicious but with proof cancel the request to submit. I then paid amount {$1100.00} not remembering the call from day before that quoted {$610.00} XXXX promised to call back the next evening with her associates name XXXX to request reimbursement from my insurance company for the payment made to her company. I have not heard from Trinity and Hope since. Feeling uneasy about situation I called XXXX XXXX that same evening and found that the only charge pending for that day was {$1500.00} to XXXX XXXX XXXX XXXX, name that was never mentioned in call to XXXX. Only Trinity and Hope Associates was mentioned. I was advised by XXXX XXXX to wait until charge was posted before I disputed it. This is what I did, submitting to them all paperwork on this matter. Finding bill from hospital in the amount of {$610.00} I was willing to dispute only the excess charge over that amount however after calling insurance and learning there was never a request for payment from hospital in my name or the billing account listed I decide to dispute the entire {$1500.00} that was charged. My insurance is looking into that matter.
Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to block/correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$10000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Closed : XXXX XXXX, XXXX XXXX Closed : XXXX XXXX, XXXX {$380.00} Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Transunion continues to report Department of Treasury account XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this Department of Treasury account.
The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX   XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?
Complaint : Denied loan modification/refinance of real estate by Chase based on terminology ( mortgage vs credit line ) When I wanted to refinance the1st mortgage on my property in XXXX, it was suggested that I apply for a credit line instead, which I did. It is the only lien on the property ; it is effectively a mortgage on the property with the property as collateral. Fast forward past the economic downturn in XXXX and then further to loan modifications offered to certain property owners. 
I own two almost identical properties, only a few doors apart. They are XXXX rental properties. One is financed by a mortgage and I was contacted by Chase in XXXX regarding a loan modification at no charge to me and regardless if the property was worth less than the existing mortgage amount. The current rate after modification is 4.625 %. The second property mentioned in the first paragraph did not qualify since it is financed by a credit line ( at 7.75 % ). This property should qualify. And it should be modified/refinanced at a lower interest rate comparable to the rate on the other XXXX identical ) property. I would rather not oust the tenant and hurt my credit score by letting Chase foreclose on this property, but I can not continue to carry it without a lower interest rate. 
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Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.
I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc #  XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports.
this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....
In XX/XX/XXXX I was involved in an internet scam, but unaware at the beginning of the transaction. On XX/XX/XXXX I was charged with XXXX XXXX XXXX XXXX. Bank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX sued me for XXXX XXXX on XX/XX/XXXX in XXXX County, XXXX. 
I am XXXX years old, and my source of finance is a retirement check for {$460.00}, and a Social Security check for {$890.00}. These two amounts are my only monthly income. I have been in XXXX, XXXX all my life until I left XXXX in XX/XX/XXXX after my probation period was over. On XX/XX/XXXX I moved to XXXX, XXXX. I owned/operated XXXX XXXX XXXX XXXX, State of XXXX  Department of Children and Families in XXXX, XXXX XX/XX/XXXX- XX/XX/XXXX. Since returning to XXXX, XXXX on XX/XX/XXXX, I have been trying to gain employment, but have not been able to obtain a job due to the lien on my criminal record. 
My livelihood has been affected because I am unable to get a job because of this lien. I have been sending documents since XX/XX/XXXX to the Background Screening Unit to get an exemption from Disqualification from the State of XXXX Department of Children and Families, it is a long process. 
In the process of re-sending all these documents ; I learned two months ago that Bank of America had sued me, the same Civil Restitution Lien Order that was filed in XXXX County on XX/XX/XXXX was also filed in XXXX County, XXXX on XX/XX/XXXX.
On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent company.
To Whom It May Concern/ XXXX XXXX ( CEO ) Experian XXXX Box XXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


XXXX XXXX XXXX TXXXX XXXX Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under the FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
I was shocked when I reviewed my credit report and found a late payments for these two dates : XXXX 2014, XXXX 2014 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. 
Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.
chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account
I made a dollar payment with XXXX in my bank account and after the charge I was left with XXXX XXXX but the Bank of America said I didnt have the dollar to pay when I clearly did
I purchased a used car and it financed threw XXXX XXXX XXXX   XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Dear CFPB, Thank you for allowing me to submit this complaint. 
Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
XXXX XXXX
continues to call me ... .my job ... and my family to collect a debt. I have told her not to call my place of employment and she continues to do so and speaks to my employer and family about my account and asks if they have other contact information for me ... .this happens 3-5 times a day ... and when I have spoken to her she threatens wage garnishment and harasses me about my situation ... I 'm done!
I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number. 

Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.
I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.