WillisBack/dataset-financial-user-claim huggingface dataset:
The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. 
The home has a sale date of XX/XX/2018. 
First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. 
A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. 
The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. 
On XXXX we sent The title for approval to XXXX at XXXX
I called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.
XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX. 

I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points. 

I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.
I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
On   XX/XX/XXXX   I filed a complaint  XXXX  about  Wells Fargo.  I sold my home on  XX/XX/XXXX  and was not provided with any breakdown regarding the payoff.     On   XXXX   XXXX   XXXX    Wells Fargo provid ed me with a breakdown for the mortgage payments starting in   XX/XX/XXXX  . The is a column called "  Unpaid Advance Balance  ''. In   XX/XX/XXXX   the amount started at  XXXX , at time of sale the amount was {$700.00}. They are deducting this amount from my payoff, however, they have given no explanation what this amount was for or why they would add this amount to my mortgage?     I called  XXXX   XXXX  at Wells Fargo to get an explanation to the charge, but they did not return my call. I called on Friday,   XX/XX/XXXX   at  XXXX   XXXX .     Thank you,  XXXX   XXXX
I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.
Hello, I am writing to express my dissatisfaction with how Navient allows its customers to change their payment amounts. Recently I increased my payment amount to more than the minimum payment, however following a restructuring in my pay I wished to change it back to the minimum payments. When attempting to this online, I found that I was unable to change the payment amounts. There was no method to either increase or decrease my payment amounts. Once I was able to speak to a representative ( Navient Company ID : XXXX ), she said " The system wo n't allow me to change the amounts, we will need to put in a request to have the amount changed. '' When I asked if I could de-enroll in auto-pay and then change the amounts she in informed me that I was receiving a .25 % lower rate for using auto-pay. She informed me that the matter should be resolved by XX/XX/XXXX, and that my XX/XX/XXXX payments should be at the lower amount. I asked for that in writing so I could have a record, and she informed me that they could not do that until the matter was resolved. In the past, I 've found Navient 's promises to be empty and I do not see '' Should '' statements by Navient employees as being worth the breath to speak them. So my options were to hope that the matter was resolved and I would not be over charged on my XX/XX/XXXX payment, or I could de-enroll in auto pay and have my rate increased. It sounds like no real good option for me the customer. I am not asking to pay {$0.00}, I am asking to make the minimum required payment. I feel I should be able to adjust my payment amounts up or down in the same way I can easily do with my personal bank and personal credit cards ( which I can adjust simply and easily to allow for peace of mind and flexibility to go with my unique income situation ). Navient unnecessarily obfuscates and purposefully creates complicated systems to take advantage of people like me who are struggling under the burden forced upon him by the education system and predatory companies like Navient and XXXX XXXX. I am upset that I do n't know the status of my payment next month, that I can not budget around other bills, rent, food, etc because of an over complicated system forced on me by a company trying to take advantage of me.
A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.
This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.
Wells Fargo Bank I did not add overdraft protection to my account when it was started. Wells Fargo had to open a new account after mine had been frauds. The new account was to exactly the same as the original that had been opened. The Bankers over the XXXX XXXX had handles the new account opening after my old account was frauds. The representative added overdraft protection without my knowledge. This resulted in Wells Fargo charging me overdraft protection fees when Wells Fargo tranfured {$9.00} from my savings to checking to cover XXXX. They then charged me an overdraft protection fee of {$12.00} causing my checking to go Negitive {$12.00} in witch there was no more money in my savings to cover. Then Wells Fargo would have charged me another {$35.00} for totaling {$47.00} in fees all of witch would have been negitive in my account had I not of fraught for two hours and been hung up on twice to have removed. They refused to take me seriously until I mentioned the CFPB and that I already knew all the Fraud that had been taken place with Wells Fargo. The even told me I had no right to record my conversation with them even though the law states if they are recording me they then can not expect any right right to privacy because they are already swear they are being recorded. This Bank should be closed and sold off! No more to big to fail!
This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
I received a letter dated XXXX informing that Benuck & Rainey had been assigned to collect a debt for XXXX. XXXX provided me with a medical device approximately 1 year earlier XX/XX/XXXX. XXXX 's billing process exhibited negligence and complete incompetence. They not only documented an incorrect service date, but also billed the wrong insurance carrier. I thrice informed them of the their mistakes and re-provided the correct information. Rather than correct their errors and get paid, they began billing me and ultimately assigned the debt to a collector. 

Within the 30-day window following receipt of the collection notice from Benuck and Rainey, specifically XXXX/XXXX/16, I responded by mail. In this letter I explained that XXXX was several times informed of how to correct their insurance billing error so that they 'd receive payment from the carrier. I stated that I dispute the validity of the debt, and also included a formal request that calls not be made to my cell phone number. I work evenings and my cell phone is partially paid for by my employer for work use. Benuck & Rainey has violated my debtor rights by continuing to make contact attempts ( numerous calls ; at least 2 since post-XX/XX/XXXX ) without first providing proof of debt verification, and by continuing to call a documented work number.
Please provide me with a copy of the Note for loan number XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, NC XXXX. I submit this as a Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.
Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.
On my XXXX credit report. XXXX / child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you
This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.
XXXX XXXX has continuously called me for a debt that does not belong to me. Theyve left me several threatening voicemails saying that if I or my husband did not contact them they have to make a decision on his behalf that could have a negative lifelong effect on him. I have searched the legalities behind debt calls and have found that such tactics are illegal. I have asked them to stop contacting myself, my husband, and my husbands extended family regarding this debt but they have not stopped. I have the voicemails saved to prove these tactics that I am more than willing to supply if needed. I have also sent these voicemails to the XXXX XXXX company we are working with as well so that they have them on file.
I went Citi bank branch open a credit card which is Citi prestige, Citi bank has approved my card on XX/XX/XXXX, the credit limit is {$5400.00}, then I got my card try to use it, but every time I use showing the decline. so I called Citi bank at least 3 times, they said that is a system problem, they already fixed it. then on XX/XX/XXXX Citi bank closed all my accounts, including 2 credit card open 3 years ago and 1 year ago. the reason is just I have too many credit inquires on my credit report. so I totally have no idea, why citi bank approved my new card, then closed all my account?
My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively.

This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it.

2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail.

There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..
This is a unique situation in which our business was a victim of click fraud by XXXX XXXX XXXX this company promised to send a verbal agreement over the phone that if we were to advertise with them we would not have to worry about our money being stolen via click fraud which is a felony online crime where your competitor clicks on your XXXX so it doesnt run anymore for the rest of the day and the other companies collect all the work XXXX says it in a recorded conversation verbal agreement that they have a fraud detection tool in place that prevent you from getting ripped off in your money stolen while we already receive {$30000.00} back from Citibank our investigators name is XXXX XXXX hes been very unprofessional will not return our phone calls Citibank I was just about {$59000.00} fell and it was his idea to go outside the 18 month bank regulation laws and get the rest of the fried circles which we did and dated we did it with the branch manager XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX bank at XXXX XXXX XXXX in XXXX New York and she faxed over all of the transactions theyve only gave us partial transactions and they keep not returning her phone calls and violating bank regulation laws can you please call us this is the third complaint weve made vs Mr XXXX XXXX ChieF investigations At Citibanks, XXXX XXXX, XXXX Fraud I It in Texas! All he does is keep sending us a letter after you guys contact him telling us is that hes going to take care of this will you still have not received {$58000.00} as promised he said if he has to go to get the banking commission to go after XXXX XXXX XXXX to get the rest of our fraudulent money stolen from our account thats what XXXX do because we are a valued Citibank XXXX XXXX customer and they are keep avoiding us we have been out of business for a year and a half my business is seven years in this very upsetting is affected my family Ive lost my house and we even have proof all PDF files tracking software five years to prove all the fraud! XXXX has just lost a {$90.00} XXXX case where they settled because they knew they could not win against the big company for click fraud please help us please call me XXXX XXXX At XXXX Or email me at XXXXThank You Very Much! Please make them stop lying to you I have made three complaints are ready with you guys and I did get results after you talk to them but then they tend to back off and stop calling thank you very much and have a great day
This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them. 

I have never done business with these people and dont know where they even got my information.
On  XXXX   XXXX ,    2017 I checked my credit report which I do annually. I found that in  XX/XX/XXXX  of last year, a collections account was placed on  my report from   XXXX   XXXX   XXXX   in the amount of {$620.00}. Not only do I have no idea what this is, this company has never contacted me either by mail or phone and the parent company from where they acquired this debt is foreign to me as well. I 've opened disputes with all  XXXX  credit agencies as well as a BBB complaint. I wish to have this fraudulent account removed from my credit report as it is harming my credit.
XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month.