WillisBack/dataset-financial-user-claim huggingface dataset:
GreenTree/aka Ditech XXXX XXXX XXXX XXXX XXXX XXXX sold our mortgage to GREEN TREE who never notified us we had no ACCT # when we found them with the help of XXXX they took all of our next XXXX payments & applied it towards interest? 6 mnths to straighten that out!! Green Tree than with held our disability/accidental insurance payment in UNapplied Funds ... 3 mnths to FIX!! Talking to our XXXX insurance now we pay them direct & we spent another mnth getting the funds we paid to GT that was for insurance!! Than they pertain to buy us insurance they said we had no homeowners .GT was now going to bill us for more expensive insurance!! I took the letter to our insurance Company from XXXX to XXXX my insurance company FAXED the paper work 6 times & GT kept saying they were not getting it!! They keep our over payment in UNAPPLIED FUNDS They request & MAKE ME FAX & send CERTIFIED letters $ $ $ $ cost me lots of $ $ $ to put it in writing to ask them to apply my payment to our PRINCIPAL ... so we are being CHEATED on our Balance because FUNDS ARE HELD BACK. Than they really SCREWED with our ESCROW CHECK & XXXX off our Treasure played games saying they have XXXX 'd the check..when they never did. Now they billed me {$150.00} for an over payment on Escrow and when I was requested to send that out it was NEVER FOUND/or Applied to our loan when GT/DITECH researched this my Representative From GT had given us the wrong XXXX XXXX XXXX for XXXX CA ... our principle is off!! Interest # s off!? payments not applied when received? Months of never receiving a STATEMENT so we could not see our BALANCE!! NIGHTMARE CITY that is what GREEN TREE/DITECH/ XXXX COMPANY HAS DONE WITH OUR MORTGAGE ..BUT I have the letters..the documentation the WITNESS 's & paper trail GALORE to back all this up and it is my Goal with the thousands of other people being treated this way & you can read their story 's on line just by punching in GREEN TREE!! They have a whole XXXX LINK HEADER STOP GREEN TREE? DITECH/XXXX COMPANY!! This is the worst Company EVER to get a LOAN FROM!!! Two Years every 30 days we have to call to get our unapplied funds applied to our principal this Company is CRAZY ..you get XXXX number XXXX..you are either put on hold, transferred or hung up on!! The one day they put me on hold & went home? Found that out when I called back the next day!! There are XXXX Links that I found with people /strangers from CA to Pennsylvania to Florida & I am in Wis. that tell my story on line and I do not know them? This Company needs to be shut down!!
RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.
Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.
I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.
I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,
On my XXXX, XXXX, and Equifax reports an inquiry shows on XX/XX/2017. I have contacted XXXX XXXX several times regarding a fraudulent application that they caught. They told me that they have reported such to the three credit reporting agencies. It seems to me that by now these dings on my credit should have been removed by now,
A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.
The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.
A reverse mortgage lender assessed against the reverse mortgage loan {$15000.00} in fees for " removal of a lien '' on the property. However, there never was a lien on the property, according to the county recorder 's record. When the reverse mortgage lender was contacted in writing on several occasions and asked to provide a written explanation, they did not want to discuss the matter and kept insisting that they had no knowledge. The original borrower of the loan has died and the lender is calling the loan ; for which, they have started a foreclosure process. I reminded the lender in writing that their foreclosure action is based on false information and incorrect final balance, however, my warning again went unheeded.
On XXXX XXXX 2016, my credit score was XXXX and three days later it dropped XXXXpoints for no reason. I do n't any collections and was n't late on any payments
I was a victim of fraud and syncb wont reopen my account when it was n't my fault.
I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX.
I am aware of the child support being on my credit report since Ive jus been notified that my credit score has changed.. So I looked and I see a Wal-Mart/ credit report and I do not even have an account or anything to do with the Walmart credit report.. Would like to dispute this case because I am not aware nor knowledgeable about this credit report I know have on my case for Wal-Mart
On Friday, XX/XX/XXXX, I was defrauded by a ticket seller claiming they had four ( 4 ) tickets to the Indiana XXXX XXXX game in XXXX, Indiana. I contacted the seller via text and we negotiated the price to {$370.00} USD in exchange for four tickets. He claimed he used XXXX XXXX XXXX and we could only use bank-to-bank transfer as a means of payment since he was out of town with digital tickets that he could transfer through the XXXX XXXX application. 

I sent the money to the seller via the Chase XXXX app, an amount of {$370.00} XXXX. After I sent the money, the seller disappeared. I tried to call and my number was blocked. I could tell where this situation was heading so I called Chase as quickly as I could. I sent the money at XXXX XXXX  on Friday, XX/XX/XXXX and was on the phone with Chase at XXXX XXXX, only 21 minutes later and then again at XXXX XXXX  with the two conversations lasting 36 minutes and 41 minutes respectively. 

On the phone with Chase, I told them I wanted to file a dispute because the seller had defrauded me and had went so far as to block my number. We were able to contact him from a different phone number and asked him if he still had the tickets and he said that he did. Chase told me that XXXX is being marketed as an application to be used only between real-life acquaintances and to hope that the criminal would send the money back in good faith. XXXX has never been openly promoted as only a way to transfer money as I took the time to search through all promotional items and commercials ( one commercial even goes as far as to mention paying your dog-walker for her services ). 

So since XXXX can not be used for merchandising, though never being explicitly stated, Chase told us we were out of luck and they would not file a dispute. After discussing the dispute, they made a courtesy claim. We called them back on the morning of Sunday, XX/XX/XXXX at XXXX XXXX for 11 minutes in which they told us they had closed the case and never made mention of it to us. After discussing our future with Chase, they told us this was our error and not theirs and hung up on us. 

On the phone during my initial conversation, the Chase worked made mention of the loophole that the criminal had exploited. In essence, he claimed Chase and XXXX are both aware, and thus complicit, in scamming and criminality. XXXX and all major banks are taking no responsibility despite being fully aware of how their services are being used. {$370.00} XXXX is the difference between paying my bills and not. The two services are not only turning a XXXX eye but encouraging the use of their services to be used for fraud. The seller used a fake name and a spoof phone number and made out like a bandit. XXXX uses legal jargon buried in their Terms and Conditions to protect them despite advertising differently.
Greetings, My name is XXXX. This is simple really, I had to have a replacement card sent to me because I lost my previous card. I have already paid off the account, pictures are bellow ) and they still have this lost card under my closed accounts. I need all the the room I can get in my credit report. Im a XXXX year old XXXX XXXX XXXX moving out XX/XX/XXXX. Thank you very much for anything that you can do. XXXX bless.
My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.
I reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Have been trying to get my free annual credit report from Experian ever since the XXXX break-in, but Experian does not respond online or even by telephone. They suggest going online, but get no results online. Nor do they respond to trying to freeze my account. Online, all I get when trying to get free annual credit report or trying to freeze my account is " loading '' -- nothing more. Nothing else happens. This has been going on for more than a week now. Tried repeatedly to contact them but totally unsuccessful.
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for Speedy Cash. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXXAccount Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date FiledXX/XX/XXXX  Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.
I have revoked authorization for calls multiple times and attempted to set up payment plan with Navient that fits my budget. They have refused to work with me and I have just ended my approximately 10th phone call where I 've told them they are not allowed to contact me via phone and/or an autodialer and they still do n't seem to get it right. They need to stop contacting me via phone and only contact me via paper mail. I have received no less than XXXX5 calls daily from Navient about a past due balance that I have tried repeatedly to rectify by alternative payment options and they refuse.
I disputed is this information though Equifax Credit Reporting Agency. After a 30 day in investigation this item was removed from my credit report. I have a XXXX XXXX account and this account is reporting once again.