WillisBack/dataset-financial-user-claim huggingface dataset:
I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.
I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Bank of America and XXXX XXXX for XXXX XXXX. XXXX XXXX and Bank of America both closed my old card and account information and issued me new cards and account numbers. After this Bank of America allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Bank of America refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to.
XXXX account number is XXXX. Student loan company is Navient. I have tried on several occasion to see about lowering my account to be able to afford my due to other bill and I am feeling overwhelm, my bill never seem to go down, they continually harass my father and I, my father has XXXX and is unable to assistant. so I discuss that I can pay XXXX dollars a month because I have other student loans as well and Food, clothing and shelter. They said they cant comply with my request. the original loan amount is {$6500.00} and now that are said I owe {$10000.00}. My monthly payment are {$130.00} a month. XXXX went on to ask me how i get money to pay my other bill and I told that was personal. I could like some corporation with them in this matter. I need pay lower so I can survive. My phone number is XXXX. Please help before I am forced to file bankruptcy. Sincerely XXXX
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
As most people right now, my husband and I are having financial difficulties and are past due on our mortgage. We have had nothing but problems with our mortgage servicer, XXXX XXXX. They have returned payments, just so that they can show us more delinquent, instead of applying it towards the amount owed. Now, they keep our payments but put them in a suspense status, again, just to show us more delinquent then we really are. We have called them and were assured that the payment would be applied to the account. The payment was made on XXXX/XXXX/15 towards the XXXX bill. It is now XXXX, and the payment STILL has not been applied towards our account. We STILL show delinquent for XXXX. Our mortgage company is purposefully performing these actions, complete UDAPP violations, just to show us more delinquent, credit report harsher than we deserve ( i.e. XXXX instead of XXXX or XXXX ), and to force us into foreclosure.
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as AFNI. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as XXXX XXXX. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
On   XXXX   XXXX   XXXX  , I purchased a   XXXX   XXXX   XXXX   VIN #   XXXX   from   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , CO  XXXX ,   XXXX   XXXX   XXXX   XXXX   ( Exhibit A ). The financing department at   XXXX   told me the 72 month contract was accepted by Chrysler Captial,   XXXX   XXXX   XXXX  ,  XXXX , TX   XXXX  , Phone :  XXXX . The payments would be {$790.00} per month due on the  XXXX  of every month beginning   XXXX   XXXX   XXXX  
On   XXXX   XXXX   XXXX  , I received a call from   XXXX   XXXX   Assistant,   XXXX   ( Exhibit B ). He told me that the 72 month contract had not been accepted by Chrysler Capital. I must return to the dealership asap. I told him that I could visit the dealership Saturday at   XXXX   On   XXXX   XXXX   XXXX  , I arrived at  XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CO  XXXX ,   XXXX   XXXX   XXXX   XXXX   at   XXXX  .   XXXX   XXXX  , Finance Manager, told me that I would need to return the car or sign a 60 month contract because that is all Chrysler Capital would accept. I had already sold my other car and needed a vehicle to work. Upset, I had no choice but to sign the contract ( Exhibits C1, C2, C3, C4 ). The new contract is for 60 months with a payment of {$880.00} due on the  XXXX  of each month beginning   XXXX   XXXX   XXXX   ( Exhibit C3 ). The 72 month contract was taken by the dealership and shredded.
On   XXXX   XXXX   XXXX  , I received a statement from Chrysler Capital reading a payment of {$790.00} due on   XXXX   XXXX   XXXX   ( Exhibit D ). I telephoned Chrysler Capital to ask that the due date be changed as there is a discrepancy. The woman on the phone told me she did show two contracts : one for 72 months and one for 60 months. She said the issue would be looked into and the date for payment would be changed to the   XXXX   of every month beginning   XXXX   XXXX   XXXX    She told me to fax a copy of the 60 month contract ( Exhibit E ). I mailed the payment to comply with the   XXXX   payment date even though I would continue debating the issue.
On   XXXX   XXXX   XXXX  , I telephone Chrysler Capital ( Exhibit F ). I spoke with a gentleman who told me the payment still had not been received and that the contracts were both in his system. He agreed that the 60 month contract was the binding contract as it was signed subsequent to the 72 month contract. He further stated that my due was   XXXX   XXXX   XXXX   and he would have the matter corrected.
On   XXXX   XXXX   XXXX   I logged into Chrysler Capitals online portal to see if my payment posted. The payment did post. However, Chrysler Capital showed that my next payment is due on   XXXX   XXXX   XXXX   for {$780.00} ( Exhibit G ). This is incorrect as the correct shows the due date of the  XXXX  which means my second payment is due   XXXX   XXXX   XXXX  .
On   XXXX   XXXX   XXXX  , at   XXXX  , I called Chrysler Capital and spoke to  XXXX  , Office of the President. She was belligerent and condescending stating that I was wrong and trying to manipulate they system into allowing me a different payment date. At this point, I decided to contact the Consumer Financial Protection Bureau for assistance.
Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.
On XX/XX/2018, I wired {$4900.00} from my XXXX  XXXX XXXX account to Citibank, using the following instructions, in an attempt to fund my trading account : Receiving Bank Information : CITIBANK, N.A XXXX XXXX XXXX, XXXX XXXX, United States, XXXX Beneficiary : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX However, unknown to me, the banking details for my broker changed on XX/XX/XXXX, the day before I sent the funds. So the money was received by Citi, but never allocated to my broker 's account. I was advised by my broker ( XXXX ) to have my bank recall the funds. 

I opened a ticket with XXXX XXXX XXXX to recall the funds from Citi. However, after numerous failed attempts to initiate the recall, due to no response from Citi, XXXX XXXXXXXX XXXX has closed the support ticket, advising me to file a police report against Citi and have law enforcement call their Global Financial Crimes Hotline. To date, I have not filed a police report and am hoping to instead resolve this matter through the CFPB Complaint resolution process.
i didnot sign up for this service i got your letter ref # XXXX and looking for a refund I XXXX XXXX CARD ending inXXXX
( Submission with documentation : ) I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume a loan associated with the property and be added to the mortgage note in accordance with Garn-St. Germain Depository Institutions Act of 1982. I am also listed as " survivor in interest. '' As a result, I have fallen behind by two months on the note. Wells Fargo is implementing a " due on sale clause '' of which I am exempt by law. This has delayed the process of adding me to the note and has been costly. Wells Fargo has now attempted to offer a loan modification with a simultaneous assumption as a way to assume the property, but Wells Fargo is fully aware that given the nature of the loan being assumed, a loan modification may automatically become denied or unattainable. The loan is a MBS loan ( Mortgage Backed Security ) loan which does not have a permanent  modification option. It is unclear why Wells Fargo continues to operate in manner and continues to impact my ability to be added to the note in accordance with the law and exemptions on divorce transfers of ownership.
My identity was stolen around XXXX 2018. I contacted the banks fraud department to inform them I did not open a credit card with them. I have contacted several other banks to inform them I never opened accounts and cards with them. They all removed the accounts from my credit report. However, Capital One Bank has not removed the account from my credit. I contacted Capital One in XX/XX/2018 and they have not removed it.
I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
XXXXXXXX XXXX XXXX is Reporting my XX/XX/2018 Payment to Transunion and XXXX  as 30 days late. This is not correct. The payment was made on XX/XX/2018. XXXX XXXX XXXX also sent a letter saying they made a mistake and would change this status from 30 days late to Never Late. I also filed a dispute with Transunion and XXXX. Both credit Bureaus said the 30 Days late for XX/XX/2018 would remain the same. 

XXXXXXXX XXXX XXXX sent a letter to me on XXXX-18 stating they would update the records to reflect the XX/XX/2018 being paid on time within 30 days. See attached letter.
I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!
We have a mortgage with Ocwen for a condo property in XXXX XXXX, IL. The condo is underwater and we are having trouble selling the property for what we owe. The mortgage company and the Condo Association Board will not work with me to allow us to rent the unit unit we can sell the condo effectively forcing me into foreclosure. 

The Condo Association does not allow rentals and removed an economic harship exception so we are unable to rent the unit. If I am not able to sell the unit I will be forced to let my condo go into foreclosure which will destroy my credit. How can yo help me with this problem?
My mortgage was handled by XXXX XXXX XXXX when we received the load it was then transfered to freedom mortgage. Somewhere along the way and neither one of them know. {$1600.00} vanished from my escrow account. Now I have to pay it back or my payment will jump {$150.00} per month. I paid the check today although it will put us in a bind for a while.

I've called them three times to deal with this. 
It's pretty simple I pay {$3000.00} a year taxes/insurance/fees I pay XXXX month in escrow which equals {$3100.00} there is no way I'm missing XXXX in escrow I have had for 2 two years.

I see online that both companies have been in trouble for shady policies in the past. How is this stuff still possible after the shady mortgage problems in the last ten years.

How are these companies still allowed to even transfer loans like they do. 
I want this looked at since apparently I'm told a lawyer will cost me more than just giving them the money like I have to do. 
Thanks
Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed immediately.
My credit card account is with Capital One. I have a balance at two different interest rates. Last billing cycle I paid more than the minimum payment due, but Capital One applied the excess payment to the balance with a lower interest rate. I called Capital One on XX/XX/XXXX and they told me I would need to pay the entire balance on the card if I wanted payments applied to the balance at the higher interest rate. Capital One 's policy is in direct conflict with the credit card act of XXXX. All payments above the minimum payment due should be applied to the highest interest rate.
Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.
I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.
Equifax - Data Breaching My personal information is at Web for selling - according XXXX
I previously submitted a dispute regarding XXXX XXXX XXXX Collections which they added collections accounts to my credit report. It was established the XXXX XXXX was the legal owner of the accounts and that a dispute was filed with XXXX XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX XXXX XXXX. XXXX XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX XXXX XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX XXXX to XXXX XXXX XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX XXXX XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX XXXX physicians is handled through XXXX XXXX XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX XXXX XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX XXXX XXXX. XXXX XXXX XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
I have requested that CONSUMER PORTFOLIO SERVICE XXXX XXXX XXXX XXXX, CA XXXX XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you  are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.