WillisBack/dataset-financial-user-claim huggingface dataset:
I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.
The original creditor is XXXX and the collector is Cavalry portfolio services. 

This account has been closed in collection since XXXX. I just recently checked XXXX XXXX  and it says it has been reopened XXXX XXXX. I never authorized my account to be reopened, never got a validation letter nor a notice of my account being reopened.
I called AES several times over the course of three weeks this month explaining to them that I want to apply a specific amount of money ( over what my minimum monthly required amount ) to principal on my second loan and second loan only. I have a consolidated loan ( sub and unsub ). I found a letter online with specific language about applying any money over the required minimum. I faxed the letter per their request and was told the next Time I called they would be ready to process my extra payment towards loan sequence XXXX only. I called a few days later and was told my letter was not specific enough. I added verbiage which instructed them that the overage was to pay down/pay off the loan and not to put it in pay ahead status. I called back a few days later and confirmed they had the letter on file and asked if I could now make my extra payment. The customer serve guy confirmed it and said it would go to loan sequence XXXX only. 
Surprise, it did n't : It was split between loan XXXX and XXXX I called yet again and was told I had to have a letter on file ( which I did ) and it needed to contain very specific language ( which it did ) but overage payments can only be sent in by check and must have a copy of that letter ( which they confirmed was sitting in my file ) every single time I made an overage payment. The supervisor said she 'd request the over payment be reapplied as it should have been and surprise it 's still split over big accounts. I ca n't make it any clearer on the phone or in written correspondence that they are not able to decide where my extra money goes. That is my decision. What options do I have in this matter. I plan to be aggressive with my payments over the next 12-16 months in order to lay the loans in full but not if they are taking my money and putting it where it benefits them. Please provide me with options in dealing with this incompetence.
During the month of   XXXX   XXXX     I was trying to purchase a home and had tons of paperwork. I do not think it is suitable to walk into an establishment to begin the mortgage signing process and the mortgage  officer want t o talk about my VA  XXXX , do n't I want to get better, and go into how he is a pastor and has a  26  week program to help me get better. ( He was referring to my   XXXX   XXXX   XXXX   XXXX  . ) He insisted on seeing exactly what the name of my actual  XXXX  were, for I had marked the name and only the name of the  XXXX  out for privacy. I did not mark out any numbers. Only the name. He told me he has sent many  Veterans throug h his church on th e 26 week program  and they never had problems again. He told me I have probably been burned by  XXXX  and that 's the reason I do n't go to c hurch. ( Not once  did I ever say I was burned or bring up religion with him. And why did he think I was  XXXX ? I am still offended by that and still think it was racially motivated. Why would he assume  XXXX ? ) He showed me a short film of the cult/organization he is associated with. Is this how he got other Vets to join his church? When they first come in to sign mortgage documents? This man also told me it : " was his mission as my pastor to help me find goals in life and to find my purpose. '' ( He is not my pastor and I never asked him to help me find goals or my purpose ) I had to ask several times for his supervisors name. When I got it, I sent both an email and called a couple of times and stated I wanted to talk to him about his employee. The supervisor and I left a couple of messages back and forth and I left the last message without the supervisor ever following up.   I will Never recommend this company for their mortgage needs.
I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.
Dept of Education XX/XX/2013 Balance is {$0.00} Highest balance is {$4100.00} Shows 120-149 days late on the report, but this account is paid in full and closed.
Shellpoint Mortgage servicing has not paid my taxes since they purchased my loan The money is siting in escrow and I am being charged interest by the NY state government. They have made other errors as well such as listing the wrong mortgage rate.
I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. 

After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. 

This is not the case. 

When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. 

In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). 

It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. 

The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). 

We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.
I moved from XXXX to XXXX the end of XXXX XXXX, In XXXX XXXX Navient Told me I was past due on my loans. I asked that they consolidate my loans into one montly payment. It was decided I would pay {$290.00} from XXXX to XXXX and {$400.00} from XXXX to XXXX to avoid any late payments In XXXX, however, I learned that all the loans had not been consoilated and that I had to pay a one-time check for {$530.00} in XXXX XXXX to make up the difference. In addition, I just got my Transaction report and learned I had been past due 60 days on XXXX separate reports in XXXX -- {$93.00} on a loan of {$5500.00}, {$93.00} on a loan of {$5.00}, and {$310.00} for a loan for a loan of {$18000.00}.
I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.
I received a response from Experian that they will not reinvestigate an inaccurate fraudulent account that was deleted previously due to Identity theft. This said accounts XXXX XXXX. XXXX XXXX XXXX ; XXXX ; XXXX where reposted on to my credit report without notifying me first. The XXXX. XXXX. XXXX XXXX claims that it 's a different account. When in fact it 's not. They just have the different account number from the previous accounts that were deleted. Experian told me to provide proof in order to have these accounts deleted. I did send Experian proof in addition to an Affidavit Of Fact and Truth that I contacted the XXXX XXXX XXXX XXXX back on XX/XX/XXXX, by certified mail Tracking Number : XXXX and I told Experian that I had not received a reply from The XXXX XXXX. XXXX  XXXX. Please See attachment1. Experian still successfully validated those fraudulent unknown collection accounts on XX/XX/XXXX as my collection accounts, without providing me any evidence of an actual original instrument or contract signed by me according to Sect 609. Or accepting any of my evidence of default into consideration. Experian has deprived me of any rights that I have under federal law and remedies. I 've included the letter and sworn Affidavit Of Truth and Facts sent to Experian as an attachment below.
Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. 
We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. 
Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.
I have had persistent problems obtaining a deferment from Wells Fargo despite submitting all documentation as required months ago. Following a CFPB complaint, I had a telephone conversation with a Wells Fargo representative on XXXX XXXX, XXXX, who assured me that I would receive a response for my deferment request within XXXX business days. XXXX business days have since passed, and I have not received any response.
I was originally paying around XXXX dollars a month and 4 years ago i called them to change my payment plan and they had me pay XXXX dollars a month and i feel like have been paying a lot of interest each month and now is getting really hard for me to make the monthly payments. The balance is still at XXXX XXXX for the longest and they keep charging more interest than anything. Their interest keeps changing constantly each month they take a big chunk for interest and not enough for principal which is why is taking me a long time to pay this off. I now have a mortgage and starting a family and i can not no longer keep paying every month and the balance does not seem to lower a good quantity.
equifax is knowingly reporting information from a furnisher you fined 3 days ago for not reporting credit correctly ... ..but the offense is equifax 's because it is obvious misreporting on the face of the record, equifax is reporting current status as 120 days late while it is a paid in full XXXX balance account..its my XXXX student loan account XXXX ... this blatant error of equifax proves they do not care about cfpb enforcement.
I recently sold a home that was for sale through a divorce. It was on the market for about 3 years. I have been waiting and waiting so I could buy a home for my grandson and I. 

Just Monday, my account showed closed and paid on my Transunion credit report. I belong to XXXX XXXX, so I monitor my credit sometimes daily. I also noticed on Monday, my score dropped 45 points!!! On my Transunion report, the reason it showed was my Mortgage account was paid off. That seemed incorrect obviously, so I called on Tuesday to speak with them directly because I am trying to buy another home and this is going to impede me from being able to do so. 

When I spoke to them, they told me that with my mortgage, I had a " good mixture '' of accounts and now I only had credit cards and an auto loan. Also my mortgage account was 15 years old, so now that my mortgage had closed, my other accounts weren't as seasoned. 

I explained a FICO score dropping that significantly would be suggestive of a foreclosure ... ... my home was PAID OFF. I don't have collections, all of my accounts are in good standing ... ..I told him this was ridiculous and I wanted it taken care of. He told me the only thing they could do for me was to send me a free copy of my credit report. 

Last week I was offered a refinance for my car at 4.9 % and now that offer has changed to over 7 %. I explained to the guy that now Transunion is costing me money and in control of the interest rates I am charged all because I did something great and paid my house off!!! That doesn't make any sense. How many other people are they keeping from purchasing homes or vehicles? How many other people are being overcharged in interest because the credit bureaus are being able to determine their credit score unfairly?? 

This can't happen ... ... this inhibits our economy, our lives, and keeps us from being able to save money. This is unfair, deceptive, and fraudulent business practice.
I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.
My identity was stolen. I have never had an account with XXXX and now they sold the debt to a company called Franklin Collection. When the account was established with XXXX I was in prison at the time. I have sent the XXXX and Franklin Collection letters stating my situation and asking them to remove the negative mark off of my credit, but both of the companies fail to do. Im tired of the wild goose chase and the damaging effects this is having on my life. My hands are tied and I was left with no other option but to turn to you guys for help.
XXXX is a fraudulent identity theft account also is a copy of my police report number is XXXX
I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.
had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
XX/XX/XXXX 2017 Received a XXXX prepaid debit card in the mail. 
It was not activated. It was unexpected. 
The card was sent by XXXX XXXX by XXXX. 
It was addressed to a person that does not live here. 
Suspect this is a scam whether intentional or not.
XX/XX/XXXX I recently cancelled my XXXX rewards credit card after 7 years with Chase and that credit card. The reason I cancelled was due to receiving a marketing email letting me know that my account benefits were changing, without my consent. After I cancelled I requested a refund on my annual membership fee ( pro-rated ) as XXXX changed their policy benefits mid-cycle. As a customer, I have the right to cancel my card and received a pro-rated refund. After wasting over an hour of my time on this, I still have had no luck with their horrible customer service ( mentioned I paid my annual fee in XXXX and they don't do refunds ). 

Customer care incorrectly mentioned that I did not have to change my card or benefits but as you can read below, they are chaging their TOS. As a customer I have the right to decline new TOS and should get a pro-rated refund on my annual payment as I am not the one who is changing the TOS. 

Full email here : Your XXXX XXXX XXXX Credit Card benefits are changing. 
Your account ending in XXXX Dear XXXX : Thank you for your loyalty as a Cardmember. We're letting you know that your XXXX XXXX XXXX Credit Card will have updated benefits. 

Your card will have updated benefits Beginning XX/XX/XXXX, the Free Night Award you receive every year after account anniversary, will be valid for a one-night hotel stay at a property with a redemption level up to XXXX points. This replaces the category 1-5 certificate you previously earned each account anniversary.1 Coming in XXXX, you will receive 15 Elite Night Credits each calendar year instead of the 15 Elite Night Credits you received every year after your account anniversary.2 Also, beginning XX/XX/XXXX, if you have more than one XXXX XXXX , XXXX XXXX XXXX, or XXXX XXXX credit card, you will only receive a total of one 15 Elite Night Credits benefit per calendar year, which will be credited to one of your XXXX Loyalty Program accounts.2 Please visit chase.comXXXX for the updated terms and conditions. 

We hope you enjoy all the updated benefits of your XXXX XXXX XXXX Credit Card. If you have questions, please call us anytime at the number on the back of your Card. 

Sincerely, XXXX XXXX General Manager Partnership Marketing Chase Card Services
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
My information was compromised due to a theft that took place a few years back. Im not really big on credit but some of these accounts showing on my credit I do not recognize. I believe that this account is fraudulent