WillisBack/dataset-financial-user-claim huggingface dataset:
I have always paid my mortgage on time. Nationstar Mortgage paid my impounded insurance bill 15 days late causing my insurance to lapse. After that I got a new refi and during that time while in escrow they XXXX XXXX paid insurance 15 days late XXXX ) sent me a letter to force insurance if I did not comply XXXX ) ran XXXX credit inquiries on my credit report all XXXX agencies XXXX ) reported my acct as a 30 day late while in escrow after delaying payoff info after XXXX request causing a late charge XXXX ) reported after account was paid in full My property was neglectfully uninsured for 15 days!!!!!!!!!!!!!!!!!!!!!!!!!!
This can also serve as another notice of intent to file suit. Ocwen financial ignored a federal bankruptcy judges order and charged/collected interest on payments that were behind. Interest was collected first out of payments before any being applied to principal. We were presented payment records that are incomplete and can not be used for forensic review. Company is trying to collect money discharged in chapter XXXX bankruptcy by foreclosing on our home. Ocwen presented a robo signed document from Florida as a transfer to them. The loan has gone from Option One to American home servicing to homeward bound back to Option One and now Ocwen without being legally transfered. They refuse to provide our original loan documents or give name and address of actual lender. Ocwen has violated the truth in lending act, fair debt collection act, respa and h.o.e.p.a. at the least. Interest went from 11 % to 14.43 % on the morning of closing.As first time home buyers we were unaware this was illegal. Ocwen charged interest and bogus fees that were not allowed under the chapter XXXX federal bankruptcy order. This company has been sued to many times to count for the same actions. I plan to file suit in federal court to force Ocwen to abide by the judges orders and for damages from their illegal acts and hope to find as many others in Pa. as I can to join.Hope to get a class action suit besides federal court for our own mortgage. Ocwen as a history of violating consumer protection and real estate laws at will. This can be evidenced by the many class action and private law suits brought against them. Ocwen makes it 's profit by scamming people with charges and fees that are against all real estate laws and protections for consumers.
We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.
Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}
My payment is listed as 30 days late on XXXX credit report for XXXX. Notified company to update with no results. It is listed correctly on XXXX and XXXX.
I have been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
There is a collection on my account which XXXX took off, but it seems Experian has not removed it. XXXX was supposed to use XXXX XXXX to pay for my school tuition, and never told me they didn't apply it, I paid it the moment it was brought to my attention.
This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
I have added money to my Rush Card today and have not been able to access it. I spoke with a rep and was told that she was unaware of when my funds would be available for me to use, now my family of XXXX will be without a phones and have to pay reconnection fees to get them turned back on. This is very unacceptable being that i have a set income and do not have the money to pay them. I will no longer use this company after i receive my funds.
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX  XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit  reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement. 

Also I general revenue told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
TransUnion is committing fraud with this creditor, XXXX XXXX XXXX on a debt that was paid in XXXX to XXXX XXXX of XXXX. TransUnion deleted the fraudulent charge this year in XXXX & XXXX as well as the prior 2 years stating that the charges were paid and not to be on my credit report. TransUnion 's calls center is not in the US and is trying to scam me for additional personal information along with XXXX XXXX XXXX for {$590.00} and {$290.00}. TransUnion needs to be investigated immediately!!!
My XXXX XXXX Visa credit card : XXXX and XXXX XXXX Visa credit card : XXXX is lost/stolen, and all of the charges/transactions on both accounts are fraudulent, unauthorized and not mine. I want XXXX, Experian and XXXX XXXX to delete, remove and permanently block the accounts from my credit report.
Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report showing this account. Please note the STATUS DETAILS where it states : This account is scheduled to continue on record until XX/XX/2017
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018- 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had a Victoria 's Secret credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting Victoria 's Secret to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.
Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX
I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.
US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer.
I am a customer of Nationstar Mortgage. 
I requested a chain of custody on my deed of trust from them. While incomplete, the documents disclosed a robo signed document dating back to XXXX XXXX & XXXX 2007. It was signed by XXXX, a known robo signer. 
When I brought this fact up to Nationstar they said they take fraud allegations seriously and would investigate. XXXX they denied any wrongdoing. 
They have moved forward with foreclosure proceedings that will take my home I have owned for 11 years. 
I am a XXXX year old man. XXXX VETERAN. 
I seek your assistance in stopping them from taking my home away from me under the 4th Amendment of the Constitution. 
XXXX XXXX XXXX XXXX XXXX. NEVADA XXXX
ON XX/XX/XXXX, WE WERE HIT BY HURRICANE IRMA. OUR HOUSE WAS DAMAGED AND WERE UNABLE TO WORK FOR THREE WEEKS WE WE WERE WITHOUT POWER FOR TEN DAYS. ONCE IN THE HOUSE, IN XX/XX/XXXX WE CALLED ALL THE CREDIT CARDS TO EXPLAIN THAT OUR STATE WAS DECLARED DISASTER ZONE AND IT IS MY UNDERSTANDING THAT ALL THE CREDITORS AGREED AND ARE SUPPOSED TO GIVE YOU ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS, AS PER AN AGREEMENT BETWEEN THE GOVERMENT AND THE CREDIT CARDS AND BANKS. 
WE HAVE AN ACCOUNT WITH BANK OF AMERICA, WE CALLED THEM AND THEY AGREED TO THE ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS. 
ALL THE CREDIT CARD DEFERRED THE PAYMENTS TO START TO COLLECTING THE PAYMENTS DUE IN XX/XX/XXXX AND TO WAIVED ALL LATE FEES AND ONLY COLLECT ONE PAYMENT PLUS THE ACCRUED INTEREST. 
NOW I RECEIVED A BILL FROM BANK OF AMERICA, THEY ARE NOT ONLY COLLECTING THE INTEREST, LATE FEES AND THREE PAYMENTS AT ONCE, THEY REPORTED ME TO THE CREDIT BUREAU FOR BEING LATE OVER 60 DAYS!
hello, On this day of XX/XX/XXXX I would like to file a complaint against XXXX  and Experian for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with Experian and XXXX. The first and most negative item is XXXX XXXX, which appears on my XXXX credit profile. This item was removed by XXXX XXXX and Experian from my credit report but with XXXX  it still remains! XXXX XXXX closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with XXXX are XXXX/XXXX  in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. Experian also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. Experian also shows a balance of {$23.00} for XXXX/XXXX which has a {$0.00} balance as of XX/XX/XXXX, and Experian also shows a balance of {$420.00} for XXXX XXXX  which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!
On XX/XX/XXXX, and as a last resort and after numerous attempts to resolve the dispute directly with the merchant, I called Home Depot Credit Card Customer Service to dispute an amount of {$3600.00} from my bill of XX/XX/XXXX. The agent never asked me for the reason for the dispute but, never the less, took all my information. Sometime in XX/XX/XXXX, I received the very correspondence from Home Depot Credit Services in a form of a letter dated XX/XX/XXXX. The very second sentence in their letter read the following : " We 've previously confirmed receipt of your inquiry regarding the dispute charges of {$3600.00}. '' Ironically, and in spit of my numerous attempts, I am yet to receive neither the original not a copy of the method through which they " confirmed ... ... '' The case once again went dormant. Then sometime in XX/XX/XXXX, I received from Home Depot Credit Services a letter dated XX/XX/XXXX. The very XXXX sentence in this letter was the following : " This is to advise you that the disputed amount of {$3600.00} will be provisionally credited to The Home Depot Credit Card account referenced above. '' However, few months later, I noticed that my balance increased significantly. When I did my calculations, I discovered that the difference was {$3600.00}. However, I never received an explanation. After my numerous inquiries, I finally received a letter from Home Depot Credit Services dated XX/XX/XXXX. The XXXX sentence in this letter was an acknowledgment to my inquiry. The second sentence in this letter read the following : " This inquiry needs to be handled directly by the Home Depot Customer Care. '' the letter only included a telephone number to H.D. Customer Care. I am literally still reeling from this experience. Please help me with this situation. Thank you very much for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX
Experian is reporting on my credit profile a " FP '' from XXXX credit these account should show as closed and included in a chapter XXXX however they keep reporting as I owe this and it is a failure to pay
On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.