WillisBack/dataset-financial-user-claim huggingface dataset:
I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.
My loan servicer is in " breach-of-contract '' of a modification I completed back in XXXX of 2013. At that time my monthly loan payment was XXXX. However, the very next month after the modification took effect, Ocwen began increasing the payment to an unmanageable amount. It stands now at {$810.00}, too much for someone on a fixed income to pay. Ocwen has been denying it did anything wrong for years. Now, something must be done! Under the most recent settlement agreement, breaking a modification agreement is punishable by fines and other remedies. In addition, recently Ocwen has attempted to get me hooked up into another high-payment modification, which is only {$27.00} less than the current payment it has set for my mortgage. This is an outrage!! People 's homes, that they 've invested their life-savings in, are in jeopardy. Please do something now! To make matters worse, Ocwen has transferred my loan to not XXXX, but XXXX different loan servicers, XXXX right after the other. This has occurred within the last two weeks. The State of TN had been paying my mortgage payment, but that ended last XXXX. In order for me to pay, the original modification must be enforced. 

The recent Federal lawsuit and ruling against Ocwen states that it can not breach modifications on loans where at least XXXX payments have been made. Nor can it transfer the loan, multiple times, and/or abandoned modification agreements. As such, I am requesting that the CFPB enforce the Federal ruling against Ocwen, on my behalf, per the law!.
Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.
My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically.
tried to talk to someone on the phone because I paid for my credit score but it was never sent.
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, XXXX and Trans Union previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.
Capital one is reporting a 30 days late payment from 2 years ago on my credit reports. This is incorrect as I never had a 30 day late payment. It is also showing in the potentially negative on my reports but showing paid as agreed. This account should be showing in accounts that are saitsfactory. Having this incorrect information reporting on my reports is causing me difficutly in obtaining substantial credit as it is reflecting negatively on my credit score. I have contacted capital one several times in requesting that this information be corrected and updated. I was told that it would be corrected that was month 's ago. I just checked my credit reports and it is still not corrected. I am submitting this complaint because I do n't seem to be getting anywhere with capital one. I have never been late in paying this credit card especially more than 30 days and it is from 2 years ago.
This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XX/XX/XXXX/XX/XX/XXXX not XX/XX/XXXX. 

The 3 Navient accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.
My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.
Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.
On XX/XX/XXXX, my husband and I inquired about a home mortgage from Citizens Bank. The sales associate pulled our credit reports as part of the process. He informed me that he could not proceed because I have a " freeze '' instituted on my XXXX account. I did this -- as a matter of RIGHT -- when the XXXX breach occurred. I told the sales associate and asked if they could proceed with other credit reporting agencies. The sales associate said no. I asked to see the policy requiring reports from all 3 major credit reporting agencies. He refused to show me. I pressed again. He said that my application was being canceled, and pointed me to this : XXXX XXXX   XXXX This policy says nothing about using all 3 major credit reporting agencies. And it says nothing about XXXX, specifically. Instead, it says : The lender must obtain a credit report for each borrower on the loan application who has an individual credit record. The credit report must be based on data provided by the national credit repositories. Acceptable credit report formats are described in B3-5.2-02, Types of Credit Reports. For credit report requirements in DU see below. 

A nontraditional mortgage credit report or other form of alternative credit verification may be used if the borrower does not have sufficient credit to enable the development of a credit score, or does not use the type of credit that is reported to credit repositories. 

See B3-5.4, Nontraditional Credit History, for additional information. 

I pointed this out to the sales associate. He said, " Thank you again for applying with us. Unfortunately we can not proceed with your application as is. '' Again, I asked to see the policy. He said that he had already showed me ( he hadn't ). 

I called the CFPB hotline. I was told to file a complaint online. 

The sales associate is : XXXX XXXX Branch Manager - NMLS ID # XXXX President 's Club - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, NY XXXX Direct/Cell : XXXX eFax ( secure ) : XXXX Email : XXXX Web : www.citizenslo.comXXXX
As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan
Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18  months ago )
1. My escrow payment was not made for school taxes, resulting in a XXXX % penalty, and i had to pay the taxes out of pocket as the servicer did not have adequate funds to do so. However when i refinanced, there were adequate funds to have them paid by the due date. The loan was sold 3x, and no one know whats going on. 
2. i have asked for an escrow analysis by Freedom Mortgage on XXXX XXXX, i have yet to receive an acceptable answer on whats going on. 
3. Prior to Freedom serving my loan it was serviced by XXXX XXXX XXXX, they did an escrow anaylis, after i changed my homeowners insurance, lowering my monthly payment. However they made an error and sent my insurance company another years payment, it was not due for nearly 10 more months. 
4. Freedom Mortgage said they did not receive my XXXX mortgage payment, i have a confirmation form my bank XXXX that the check had been delivered to them on XXXX XXXX. I recieved a phone call on XXXX XXXX stating my paymetn was not made, i advised i did make it and sent an email of screenshot showing delivery. On XXXX XXXX XXXX ext XXXX called again stating she was colecitng a debt and started to harass me, i explained what happened, i was transfered to an escalation leader XXXX and karlene XXXX, XXXX would put me on mute and hold while i was speaking, when i confronted her about this, she said yes she had been putting me on Mute while i was talking because i am rude for talking over her. The recordings will show evidence of this. 
5. Finally i was transfered to XXXX direct # XXXX, where we were getiting no where, saying she never recieved any of the emails of confirmation of payment, so i stopped payment on the check for {$1400.00} to Freedom, and paid over the phone with XXXX. I was told the payment would show on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and nothing has been taken from my checking account. 
6. I recieved a call form XXXX XXXX, asking me to verify information because Freedom emailed them and said XXXX is the servicer. I have never made a payment to XXXX, the rep form XXXX said you are not in our system, we are not servicing you. No one seems to know who is servicing my loan.
Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!
I have a judgement from XXXX XXXX XXXX in XXXX XXXX, Tx, which i have never done any business with such apartments. I have never lived in this apartments or co-signed for anyone. I went to the municipal court and pull out the judgement, which pertains to a " XXXX XXXX ''. I was never served for this judgement, i had no idea it was there until my background check was done from a Company i applied with. This Judgement in preventing me from getting hired. I need this removed from the BBB as soon as possible. <P/>Your attention to this matter will be greatly appreciated. <P/>XXXX XXXX XXXX XXXX XXXX XXXX
It was back to 2012, i found my paypal balance disappear. So i contact paypal ask them to investigate this issue. Paypal send me a check image, the check was send to MI which i never live there. The check is deposit to XXXX XXXX XXXX. 

The i start a BBB complaint, paypal agree to refund me the amount {$460.00}. But before that i need to document. However, after that i receive nothing. 

After that, i send email to the paypal executive office receive no response. Call paypal get nothing helpful.
Equifax data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. Unacceptable.
FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.
I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
1. On XX/XX/2016 I noticed that my TDbank checking account had an unauthorized transferred to a company called XXXX consisting of all my checking account funds. I 've never heard of this company. 
2. I went to the local branch and they made out a Reg E form to initialize an investigation and they cancelled my debit card and issued me another. 
3. I checked with VENMO and found out they are a susidiary of XXXX. It appears as if one of XXXX 's clients committed the fraud using my debit card number. 
4. I wrote to XXXX telling them of the problem. They set me up with a case number. I also gave them the last XXXX digits of my cancelled dewbit card. 
5. XXXX replied that they XXXX know of the perpetrator but could not publish it it because of their privacy policy. They did suggest I contact the police.They did say the proper procedure would be for TDbank to restore my funds and then bill XXXX who would then retyurn them to TDbank. 
6. Meanwhile, my bank 's " Fraud Unit '' said I should retrieve the funds from XXXX. 
7. I checked with TDbank 's policy regarding Unauthorized Transfers. The policy says " if you notify us within 2 business days after you learn of the loss or theft you can lose no more than {$50.00} if someone uses your card without your permission ''. I notified the bank in less tan XXXX hours. 
8. I need an advocate in this matter to restore my account. I am a retiree and that was all the money I had until the next SS check is deposited.
I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.
Card is on my credit report that isnt mine the company Bank of America never verified with me like it states on my credit report because of fraud in the pass.
We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.
While checking credit report I noticed collection activity from National Credit Adjusters. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc.