WillisBack/dataset-financial-user-claim huggingface dataset:
My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.
XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...
Inaccurate details being reported about loan on my credit report. My student loans were discharged because I am XXXX XXXX because of XXXX and I live in a XXXX XXXX. I hope to one day be XXXX, but until then I feel as though I am be criminalize over something that I have no control over. Sickness disease  and death is something we have no control over. I am very thankful for the rule of law that gives people like myself a Fighting Chance and Hope. Character and the peace of mind is what I 'm fighting for now, XXXX University is reporting that I have had late payments which is not true because I have never made any payments I 've been in the XXXX XXXX. Due to the government bailout I have been advised that all of my student loan accounts will show in good standing, no derogatory remarks or any such things that would be another battle to fight in addition to XXXX XXXX. I am fighting for my life and a credible name.
This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.
I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.
I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of 3 credit cards with all negative balances and maxed out how is that possible as previous stated I have been a victim of ID THEFT even with the internal revenue to the point I have a specialized pin I use to my federal income taxes. I can verify that I only opened one of the credit cards and I still have that one card in my possession ending in XXXX. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character and credit history any assistance that you can provide will be greatly appreciated the account numbers that are in question are : # XXXX balance is also showing for XXXX and also XXXX now how can a company say I owe this many cards if the first one is defaulted why are they issuing more cards this information needs to be updated and removed immediately
I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( XXXX ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, XXXX XXXX, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for {$700.00} the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option.
I was on a payment plan, paying on time every month. My refund was snatched from me XX/XX/2018 without me knowing I was never sent out a letter or told that my income would be garnished. I called the bureau of fiscal services, and was told my offset was ok and I was ok to file my taxes for the year. Well, I file and student loans took my entire refund and didn't sent me out any letters, e-mails, or phone call. I am a single mother of XXXX, I am about to be evicted, cars repossessed, ect. I need immediate help Please and thank you.
I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to me.
I was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
I'm XXXX and I'm temporary working in US. My husband and I tried to get a dream home in XXXX and our mortgage was denied due to over 30 credit hits in my credit report between XX/XX/XXXX to XX/XX/2018 by Leasing Desk. 

I was in a process of obtaining my Social Security number so I provided my XXXX XXXX number in the meantime. I undertood that when I rented my home in Arizona that one credit check would be done, however, this was not the case as several unauthorized checks were done in a short period of time lowering my XXXX credit score significantly. 

I have contacted Leasing Desk multiple times and also submitted a complaint through their website but they closed the case stating that I should contact the applicable credit bureau.
This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP
Our mortgage is through Freedom Mortgage. When I stopped working, my husband and I fell on hard times. When I called freedom to ask about how late I can make my payment. They connected me to a dept to help customers in need. They set me up on a payment plan. I would skip the first month then pay a little extra for the next 4 months to catch up with my mortgage. They said to disregard all letters because they are system automated. They then transferred my loan to XXXX. When I was done with the payment plan they transferred my loan back to Freedom along with {$600.00} dollars worth of fees accrued by late charges. Freedom refuses to help me because they say that XXXX charged me those fees not them. XXXX will not help me because they say they do not have our file anymore and we are no longer their client.
I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
I sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.
CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX
XX/XX/XXXX - I was notified that my loan was transferred from XXXX XXXX resolutions to Select Portfolio Servicing ( XXXX ), Inc. I contacted XXXX  mid XXXX to inquire how I go about making payments to them. They stated I can call every month and phone in a payment. 
XX/XX/XXXX I called XXXX and made a payment in the amount of {$130.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - my credit report reported that XXXX had charged off my account and it reflected that I was past due {$270.00} on my account. This was not a true reflection since I had made three payments to them. 
XX/XX/XXXX - I immediately called XXXX and filed a dispute with their advocacy dept. I informed them that they had not reported to the 3 credit agencies my payments. They stated it would take 30 days to resolve. I am a patient person, but if they made the error from the beginning, I feel XXXX can see my payment history and update accordingly. 
XX/XX/XXXX - I took the proactive approach and filed 3 disputes, each with the 3 credit agencies. XXXX XXXX # XXXX, XXXX dispute # XXXX and XXXX XXXX # XXXX. I wrote letters to each credit agencies, I faxed all my supporting documentation, I also mail certified my disputes. I felt it was best to reach them all ways possible. 
XX/XX/XXXX - XXXX sent me a letter informing me it will take 30 days to review, research and get back to me. Time is of the essence here since I am working on other financial matters that require my credit score to be in tact. 
XX/XX/XXXX - I called XXXX to see if they can expedite this for me. I spoke to XXXX XXXX who transferred me to XXXX. Their response was that I should hear back no later than XX/XX/XXXX. 
XX/XX/XXXX - I filed a compliant with the Dept. Of Financial Institutions. I feel this should have never happened. I paid, they failed to report. Now here I am, trying hard, from all angles to get this resolved in a more timely fashion. 
I have all supporting documentation to support these statements. I have letters i wrote, copies of my emails, copies of credit report, copies of my banking statements reflecting that XXXX received money and they did not report that I did so.
I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.
PORTFOLIO RECOVERY ASS PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXXThis is a duplicate of the XXXX/XXXX debt and has been reported to all bureaus, but the statute of limitations has run ( 6 years in XXXX where the debt began ). This needs to be removed. The original date of debt is incorrect-should be 2008.
We have been charged over {$2000.00} in bank fees from Wells Fargo Bank due to our business checking account in XXXX, over {$750.00} in XXXX for many instances that are n't making sense to me. An account will show a positive balance and more than needed to make a purchase, the following day will be debited over - $ 1- {$25.00} ad multiple bank fees causing the negative balance. I have called Wells Fargo Bank 800 # several times once I could n't get cooperation from the branch level. I have yet to receive any cooperation at either level and most recently still have n't received any movement forward with a call back from a manager level as I 've requested. 

Also, in XXXX, realizing they opened a checking and savings account without our permission and additional check/debit cards, I placed a complaint with the banking branch manager. The savings account debits resulted in multiple bank fees.
I have been disputing with Equifax since the mid XXXX XXXX regarding these accounts. Both XXXX and XXXX have made corrections I filed bankruptcy XXXX XXXX and discharged the first and second mortages from XXXX and XXXX. The ex, who became legally responsible for payment at that time, made several late payments in XXXX. Equifax has continued to report these XXXX late payments on my credit even though it is illegal to report on accounts discharged in bankruptcy following the bankruptcy. This is a direct violation of the injunction of my bankruptcy from XXXX. It is nothing short of criminal behavior, and Equifax continues to stall on revocation of their reports, causing me to lose opportunities to make future financial agreements.
The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification.
Since XXXX 2015 our mortgage company Seterus Inc. has not credited our payments correctly and because of this they have charged us late fees because the payments are going into supense. I have called and spoke with the customer service people who say they are fixing it and still it is not fixed. I then have called and spoken to the supervisor of the call center XXXX XXXX who assured me she would have it fixed and still not corrected and also XXXX XXXX. I have spent over 15 hours on the phone with these people and all of who say that it will be corrected and that I can make my payment and it still is not fixed. I was told that it was because i was making my payments too early for the monthly payment, so then I started waiting to make the payments one the XXXX and still not fixed. They have my money in suspense and have not corrected my account.
XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. All of my creditors were notified and, payments were made through the XXXX Trustee to all of my creditors. My bankruptcy was discharged/dismissed in XXXX XXXX. Today, XXXX XXXX, I received a phone call from McCarthy, Burgess, and Wolff, indicating that they were calling to collect a debt. A friend of mine also received a letter, addressed to me, from this company. I no longer reside at the XXXX location with my friend, but nonetheless, my friend notified me of the letter. The letter stated that they were collecting a debt from XXXX. I have documentation from the XXXX Trustee that XXXX was paid off through my bankruptcy. XXXX requires written request of pay off verification for which I can request to be sent directly to this company and/or XXXX from the XXXX Trustee. The letter from McCarthy, Burgess, and Wolf stated that the debt was " verified '', however, this is impossible given that the XXXX Trustee has already paid the debt on my behalf and I no longer owe. XXXX is also not reporting any debt to them on my credit reports. This company is attempting to collect debt from me that I do not owe.
My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Wells Fargo is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX