WillisBack/dataset-financial-user-claim huggingface dataset:
This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. 

This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous  information that does not apply to this account. 

THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. 



XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX
Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You
This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.
I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.
CASHCALL made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/XXXX.The contract attached is fully executed now that the XX/XX/XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XX/XX/XXXX.Yet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XX/XX/XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX EXPERIAN XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.
On XX/XX/XXXX, I called Citi Cards to dispute a transaction with XXXX XXXX XXXX. The disputed amount {$2900.00}. 

On XX/XX/XXXX, Citi Cards sent me an email stating that my dispute is still open. 

On XX/XX/XXXX, Citi Cards sent me another email stating that the merchant, XXXX XXXX XXXX had responded to my dispute and that I would be notified within 10 business days. XX/XX/XXXX, I called Citi Cards to ask if they needed any documentation from me to support my dispute. I was told it wasnt necessary at this time and that Citi Cards would request it when needed. 

On XX/XX/XXXX, I received a letter by mail from Citi Cards requesting additional information and documents by a due date that expired on XX/XX/XXXX. On XX/XX/XXXX, I called the dispute department at Citi Cards to inform them about the expired due date on the letter and XXXX, the representative told me that she would make a note on the dispute and bring it to the attention of the investigator regarding the expired due date. In the mean time, she told me to submit my supportive documents through email promptly. 

On XX/XX/XXXX, I emailed all my supportive documents regarding my dispute including the notice of cancellation agreement with XXXX XXXX ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from Citi Cards stating that they couldn't resolve my dispute and will be rebilling me the amount of {$2900.00}. On XX/XX/XXXX, I called and spoke with XXXX with Citi Cards dispute department. He said the case is final and closed. He said I was too late to respond with my supportive documents and the dispute can't be reopened.
What happened? Two time in a few years I found in my account with Wells Fargo Bank spendings among my spendings! It is very interesting that most of them were with the same companies and pretty close of mine as values! I talk to customer service : they were very amiable, asking to be forgotten, and immediately they returned money in my account and sent me a letter with a paper to be filled up and signed by myself that really I didnt do those spendings! This time I found a {$300.00} atm withdrawal in XX/XX/2019! Because I could access my account through my phone, I did make the habit to do it, 2-3 times weekly! This withdrawal appears just in XXXX of XXXX 2019! On XX/XX/2019 I talked to customer service! There was a man who locked out my debit card and said in 7-10 I will received another one, and the money will be returned! 
The amount remain, card was not sent, and Bank called me through a lady, who treated me like I was the thief! I showed her my proofs : 1. Because I came from my country on XXXX. The 3rd evening I was very tired and the next day I stayed in my home for rest 2. I came with a few thousands dollars from my country, the value of my retirement there, than I did not need cash 3. They did not sent another card according to their promise and the letter with papers to fill out 4. This intimidating talking with her After all these Bank Wells Fargo sent me a letter and concluded : I withdrew {$300.00} without any proof against me! I was in the XXXX XXXX Wells Fargo Bank talk again with a banker there and, than with customer service! They refused my proof and promised to send a letter in 30 days with their proof, which they did not want to tell me in our talkings!
I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.
I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..
On XX/XX/18 someone used my social security number, DOB,  and potentially other information to get a PIN for my Capital One 360 online savings account, where the person changed my password. Luckily, I noticed the password change notification and put a hold on my accounts. Based on the information the Capital One security team provided to me, the perpetrator was most likely my soon-to-be-ex wife, who has no legal right to that account or the funds in that account. 

Capital One claims that they have two factor authentication in place to prevent this type of attack from occurring. However, the perpetrator was able to use their own phone number for the second factor - a phone number that has never been registered with Capital One or associated with me in any way that I know about. 

Upon further discussions with the Capital One security team, I discovered that they will consult a 3rd party database to determine if a phone number is associated with an identity rather than the information provided by the customer. So, apparently the perpetrator has signed up for some other account or service somewhere using their phone number and my information. This was enough for Capital One to use that phone number as the second factor of authentication. Meaning, the attacker can use the first factor ( information about me ) to generate the second factor ( a trusted phone number ) at will. So, they do not use two factor authentication as claimed. 

There is no way to disable this 3rd party database check, so I have no way to protect my accounts going forward. It's already proven the person in question has all of my information ( which could happen in domestic cases like this, data breach cases, etc. ) and that is sufficient to bypass all of Capital One 's security ( which is what true 2 factor auth is intended to prevent ). 

Due to this, my account and funds have been on hold since that time. I have made repeated explanations to their security team how this is a major security hole as it effectively makes their two factor auth single factor auth. The reps I have spoken with claim that their superiors don't see this as an issue, and that I'd probably get more traction if I had actually let the perpetrator steal funds from my account rather than preventing the theft. 

So, effectively Capital One is stating that they do not have the ability and/or desire to protect its customers from fraud due to security holes in their system.
( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.
Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!
I would like these inquiries removed, customer service at Transunion would not remove these fraudulent inquiries off of my credit report for me. 


XX/XX/2018 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX
Equifax Confirmation # XXXX XX/XX/XXXX has XXXX XXXX is over 7 years old and Equifax has the account showing by Equifax as XX/XX/XXXX with no activity and the account was sold. 
Eqiufax also has incorrect information as date reported XX/XX/XXXX last Activity showing XX/XX/XXXX by Equifax there was or no XX/XX/XXXX reports of no such account and as account history shows XX/XX/XXXX as last stated by EquifaxTo many errors on Equifax reporting methods and dates.
I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. 

I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. 

I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. 
I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. 
ooops ... nothing there ither.!!! 
second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? 
And most importantly why they are charging me for.? 

And just like that they've lost a customer for a dishonest service operation.
The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.
I received a letter from CitiBank XX/XX/2019 addressing my TWO concerns : 1. Debt validation for two CitiBank TWO accounts : XXXX, XXXX 2. Consent Order, CFPB vs Citibank However, here are the problems : 1. Citibank sent me debt validation for only ONE account, instead of TWO accounts. Also the debt validation account number provided ( XXXX ) is not consistent with both accounts numbers listed above ( *see attachment ). 
2. Citibank did not address REASON WHY CFPB vs Citibank does not apply to BOTH my accounts. 

Please address both these concerns. I'd greatly appreciate it.
After months of back and forth and many phone calls, I finally found someone who would return my call to explain if a charge that was to be reversed was ever reversed. I have since followed up with her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to get a call back. 

My contact 's name is XXXX and she is at XXXX and I am looking into why I have a charge on my XX/XX/2018 statement and also an accounting for the multiple entries to my account. 

I have an auto pay set up for my mortgage and have always paid on time and am not sure why the customer service at this bank has been lacking. 

Thank you
After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.
Since XX/XX/2017, I have sent in my normal monthly mortgage payments on time with an additional {$5000.00} or {$10000.00} to reduce my outstanding principal. Seterus has used the additional money, specifically identified as additional principal, for the next month 's monthly payment. After complaining Seterus made the corrections. The next month I sent an additional {$5000.00} for reduce the outstanding principal in additional to the regular monthly payment Seterus than used the regularly monthly payment and the additional payment to reduce the outstanding principal. Seterus then reported that I was late in paying my monthly mortgage payment and charged me a late payment of about {$84.00}. Why does a mortgage company do this even after reporting and complaining about the poor service and incorrect payment accounting. Seterus even had the gall to report that I had to enroll in a special program in order that any additional funds sent to reduce the outstanding principal. I asked where on the contract was this stipulated and why is this not done in writing. 
Seterus even sent me a threatening letter that my credit report would be affected from my late payment. Seterus as a mortgage company is terrible, poorly managed, tries to take advantage of the customers, threatens you with credit reporting when not correct, and is not responsive to corrections.
On XX/XX/XXXX i open an account, the next day i went to deposit more money in my account. My atm card wouldn't work, so i went inside the bank and told them my card want work. The teller check the card and told me the card was close, she told me i haft to call the XXXX number to find out what was going on. I call the XXXX number they told me the account was closed. She say she cant tell me why, she told me to go to the bank and get my funds, i had XXXX dollars in my account. I went back to the bank to get my money, they told me the check will be mail to me.I waited for the money to be mail and then i called them again they told me the money will get to me on Wednesday, i waited the money did not come so i call them again. That when they told me there was account ten years ago with a negative balance and they took my deposit and put it in the old account. They told me the account was written off, i got XXXX XXXX after i open the account, when i XXXX XXXX up there was XXXX XXXX dollars balance, but the teller told me there were different charges on the account. I explain to them i did not do those charges. they told me that there was Nothing they could do.