WillisBack/dataset-financial-user-claim huggingface dataset:
Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.
I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.
This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.
Through the use of a credit monitoring service, I discovered that AllianceOne Receivables Management , Inc. was reporting a debt in the amount of {$690.00}. I filled out a form on their website to attempt to resolve the issue. A Compliance Officer replied, and after speaking to her on the phone I was able to obtain an account number and a phone number to call. I called that number, repeatedly, over two weeks. I left messages clearly stating my name and the account number I was given. I finally reached them and the representative was unable to locate my account. I was given another number to call and received the same result. Again, I was given another number to call and my account was unable to be located. I now have a fourth number to call and have left a message. I am trying to be proactive and resolve this debt, but this company is making this process impossible.
To whom it may concern, I opened a Citigold checking account XXXX/XXXX/XXXX with the promotional code XXXX that I can receive XXXX advantage bonus miles. The promotion required { {$1000.00} } in debit card purchases and 2 consecutive months of bills paid online. I have fulfilled these requirements in XXXX/XXXX/XXXX, and was confirmed over phone that I would receive my miles in my account. The representative said that I was qualified and eligible, and I would receive the miles within 90 days ( by the end of XXXX ). However, the date I was supposed to receive the bonus has been past and I called several times and I was told every time that the review or investigation was going on my account. In the meantime, I have been charged service fees third times while waiting. Until recently, I requested the reviewer results and citi stated that since I was not 'targeted ' so that I would not be eligible for the promotion. Actually, the terms and conditions of the promotion does not mention needing to be targeted. Meanwhile, I notice that many reports online showed the same situation for other people, and people can only get the promised bonus by compainting via CFPB. I hope Citi will fulfill their promise of this promotion. 
I appreciate your help! 
Thanks!
On XX/XX/2018 at approximately XXXX XXXX I attempted to place a freeze on my credit report with TransUnion through their website. I clicked the link that said : " Freeze my credit '' and proceeded to fill out the required information on subsequent pages. At the end of it all, I received an email saying I had subscribed to a monthly service for {$19.00} a month. Nothing I clicked on or encountered said anything about a payment, let alone that I was subscribing to a service with a monthly fee. I made numerous calls to TransUnion to correct this but was repeatedly disconnected when I insisted the situation be corrected. All I wanted was to put a freeze on my account- NO other services. I did succeed in cancelling my subscription online but have been charged {$19.00} for a month of services I did not want. At the end of a month the freeze on my report will be lifted, which does me not good at all. TransUnion 's website is clearly fraudulent and misleading when they should be acting to protect consumers, not mislead them. No one should have to pay {$19.00} a month indefinitely just to protect their credit. Who is protecting us from the credit reporting frauds.
I received a notice that a XXXX account had been sent to collections under my name. I have never opened an account with XXXX nor have I ever authorized or co-signed for anyone else. I tried multiple times to obtain information from XXXX to see when this account was opened and to what address and have gotten nothing. The first time I called, the agent hung up on me after I asked to speak with a manager. The second time I called, the agent that answered simply remained quiet when I asked her questions. She literally did n't say a word until I hung up. I 've called four more times since then and I have been hung up on and transferred to the wrong departments each and every time. I have filed a dispute with Equifax and with the collection agency to whom the account was referred to for collections, XXXX XXXX , XXXX .
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by XXXX XXXX XXXX XXXX under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. XXXX rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got XXXX to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XX/XX/XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from XXXX which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( XXXX ) and the credit reporting agencies. XXXX has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by XXXX. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from XXXX claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.
On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX  ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the T & Cs, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
On XXXX I contacted FedLoan Servicing XXXX to request forbearance for payment of {$830.00} that was scheduled begin on XXXX XXXX, 2016. This request was scheduled to last from XXXX XXXX - XXXX XXXX, 2016. On XXXX XXXX, 2016 I contacted FedLoan Servicing after receiving a notice on my account that I was scheduled to owe a payment of {$830.00} on XXXX XXXX, 2016. After speaking with the servicing company, I was notified that my forbearance request had been backdated to approximately XXXX of 2016 despite the fact that I owed a balance of $ XXXX during the months of XXXX and XXXX 2016. I did not agree to have my forbearance request backdated and I was not informed at any time of these dates in my original request. This company also charged my account capitalized interest that was back dated for the months of XXXX and XXXX 2016.
I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account.
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXXXXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
I learned through friends that Equifax had been hacked and that I should check to see if my personal information, including credit card information, had been accessed. I determined through Equifaxs website that my information was, in fact, compromised, and I placed a 90-day fraud alert on my files. 

At no point did Equifax contact me to let me know that my information was compromised. The burden of determining whether or not I was compromised, and then fixing the issue, should rest with Equifax, not me.
I filed chapter XXXX bankruptcy and reaffirmed my mortgage with Fay servicing during the bankruptcy process. I have contacted the company on multiple occasions and provided them proof of the reaffirmation but they are not reporting my mortgage payment history to the credit bureaus because they repeatedly claim they do not have the reaffirmation paperwork. This has interfered with my ability to refinance my mortgage even though I have provided the necessary documentation multiple times.
In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.
I SUBMIT MY MODIFICATION PACKAGE TO MY LENDER NATIONSTAR MORTGAGE, THE FILE WENT TO THE UNDERWRITING DEPARTMENT AND THE FILE WAS DENIED PER MY ASSIGNED REPRESENTATIVE. I ASKED HER WHY AND WAS INFORMED IT WAS DUE TO MY INCOME, SO I ASKED WHAT NUMBERS WERE USED AND SHE PROCEEDED TO STATE WHAT WAS PROVIDED ON THE APPLICATION WAS THE NUMBER USED. SINCE THAT IS A VERY VAGUE ANSWER AND THE FILE GOES TO UNDERWRITING FOR EXACT INCOME CALCULATIONS THAT ANSWER DID N'T MAKE SENSE THAT THEY WOULD USE THE NUMBER I GIVE AND THEN GO TO UNDERWRITING FOR CALCULATIONS SO I ASKED AGAIN AND AS SHE SIGHED FOR ME ASKING HER TO DO HER JOB SHE STATED THAT THE INCOME USED WAS {$9800.00} GROSS AND {$1900.00} NET WHICH BROUGHT MY RATIO TO 145 %. I ASKED MY ASSIGNED REPRESENTATIVE HOW DOES THAT MAKES ANY SENSE THAT THEY CALCULATE MY INCOME AT ALMOST 10K AND NET UNDER 2K AND IF SHE IS MY DEDICATED REPRESENTATIVE IS IT NOT HER JOB TO HELP WITH THE FILE AND SHE STATED HER JOB IS TO READ THE NOTES, NOT TO CALCULATE INCOME OR ANYTHING TOO INVOLVED. 
JUST AMAZING!! 
MY REPRESENTATIVE STATED THAT SHE WOULD EMAIL THE UNDERWRITING DEPARTMENT AND NO PROMISES. AS YOU CAN SEE SHE WAS VERY HELPFUL. I CALLED BACK TO THE LENDER AND THEY STATED THAT THE FILE WAS STILL DECLINED HOWEVER THEY DID HAVE A NEW INCOME THAT WAS USED, {$9800.00} GROSS AND {$3900.00}, STILL WRONG BUT AT LEAST THE UNDERWRITING DEPARTMENT GAVE IT A GOOD TRY. 

I FIGURED I WILL SHOW HOW TO CALCULATE THE INCOME SO WE CAN ALL BE ON THE SAME PAGE. 
PAY STUB USED XX/XX/2016 {$97000.00} YTD GROSS XXXX PAY PERIODS {$97000.00} DIVIDED BY XXXX = {$4400.00} {$4400.00} MULTIPLIED BY XXXX PAY PERIODS = {$110000.00} ( YEARLY AVERAGE ) {$110000.00} DIVIDED BY XXXX MONTHS = {$9600.00} BACKEND RATIO IS AT 43.11 % {$43000.00} YTD NET XXXX PAY PERIODS {$43000.00} DIVIDED BY XXXX = {$1900.00} {$1900.00} MULTIPLIED BY XXXX PAY PERIODS = {$51000.00} ( YEARLY AVERAGE ) {$51000.00} DIVIDED BY XXXX MONTHS = {$4200.00} I JUST NEED MY INFORMATION TO BE LOOKED AT CORRECTLY SO I CAN SAVE MY HOME.
They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.
Initially, I was advised by Navient that my payment plan qualified for XXXX. After 4 years of working for a qualifying non-profit, and paying on the student loan, I am now told that the nearly {$26000.00} in payments does not qualify. My new payment plan, an income based plan, after being transferred to XXXX was quoted CHEAPER, for a qualifying XXXX payment plan than my previous Navient plan. However, Navient initially told me an income based repayment plan would be much higher and advised me to do a standard repayment plan of 30 years - which they claimed would qualify as well.
On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.
A loan was taken out in XX/XX/XXXX for {$1000.00} by XXXX XXXX. The loan payments were made for about 6 weeks totaling roughly {$500.00}. After that, XXXX was unable to make any more payments on this loan and defaulted. He was contacted in XX/XX/XXXX by XXXX XXXX XXXX on behalf of XXXX XXXX in attempt to collect on the loan. A settlement was reached of {$310.00} and would be paid by three payments. The settlement was paid and assumed a closed matter. Fast forward to XX/XX/XXXX and XXXX is now receiving calls on this debt from XXXX XXXX XXXX XXXX in an attempt to collect. XXXX has sent them the settlement release form that was received from XXXX XXXX XXXX and they are not attempting to resolve this. XXXX considers this debt to have been resolved inXX/XX/XXXX and is not favor of harassing calls 2 years later after hearing nothing since XX/XX/XXXX.
On XX/XX/XXXX, we received a letter from XXXX XXXX, Subject : Transfer of the servicing of you mortgage loan. The letter states Effective XX/XX/2018, the servicing of your mortgage is being transferred to Specialized Loan Servicing LLC. The letter further states Specialized Loan Serbicing LLC will be sending you a letter that will include payment instruction and an updated loan number. We know there is a legal requirement for both the mortgage originator and new servicer to send letters within 15 days of a mortgage transfer becoming effective. In this case, Specialized Loan Servicing did not. We waited until today, XX/XX/XXXX, to give the mail plenty of delivery time and nothing was received. When we spoke with their customer service today ( XX/XX/XXXX ) a friendly woman said they wouldnt have complete loan information until Monday, XX/XX/XXXX and didnt offer to resend the notification letter. Though, she did provide the new account number.
ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!