WillisBack/dataset-financial-user-claim huggingface dataset:
Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.
In XX/XX/XXXX, I ported my number from XXXX to XXXX XXXX and had a remaining balance. I contacted XXXX about my final bill and was informed that the final statement with all the cancellation notices would be ready by the next billing cycle at the end of XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX to inquire about my final statement and I was informed that it would be mailed to my new address. I waited the required 14 business days but never received the statement. Between XXXX and XXXX I called three times requesting the bill. During that time Diversified Consultants contacted me regarding the bill. I disputed the charge and informed them that XXXX has not sent me the final statement. Diversified Consultants was suppose to confirm the debt with XXXX. On XX/XX/XXXX I spoke with XXXX and the call transcript number is XXXX who stated that the bill was not sent and that she would process another bill sent to me. Also during that conversation I was informed that my account would not be referred to collections and that a message would be let in the notes to not process for collections. It has been over a month and the XXXX statement still has not come to my address for view. On XX/XX/XXXX I checked my credit report and observe a collection account was added from Diversified Consultants. I contacted XXXX at XXXX and spoke with XXXX # XXXX on a recorded line who confirmed that the a note was left to process another statement but could not confirm if it was sent. I asked that the statement be emailed to me but she refused and referred me to go to a XXXX store and obtain it. I then spoke with her about the collection on my credit report and she stated that the account was being handled by the XXXX back office team whom I was not able to speak with because they have no direct number. XXXX then confirmed that the account was closed via XXXX database but they would still take payment on the account. XXXX confirmed that the account was being handled for collection purposes only by Diversified Collections and that they were not authorized to post negative information on credit reports. XXXX also confirmed that XXXX was still the legal owner of the account and that the account status for the account with XXXX was closed. At XXXX pm I spoke with XXXX at Diversified Consultants who them transferred me to XXXX in compliance at XXXX pm on a recorded line. I explained the situation to XXXX surround the collections action and the XXXX. XXXX stated on a recorded line that the collections account with Diversified Consultants would be closed and that it would be returned to XXXX. She also stated that the collection account reported on my credit report would be removed.
The mortgage in question began on or about XXXX the XXXX, XXXX. I wondered how I was approved for the loan from XXXX with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to XXXX XXXX/XXXX/XXXX to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter XXXX ). I was discharged XXXX XXXX, XXXX. There was a class action lawsuit against XXXX during this time that I never could get the true facts of who and what it included. I basically heard nothing from XXXX after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on XXXX XXXX, XXXX that stated that the prior owner had sold the loan to XXXX Master Participation Trust on XXXX XXXX, XXXX. Not long after that, well about 3 months I received a mortgage statement dated XXXX/XXXX/XXXX from Caliber Home Loans saying amount due {$70000.00}. Of course I was floored. Wow. So I started wondering what to do since work had been bad and basically my only source of income had been unemployment.. Found a job not long afterwards but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on XXXX/XXXX/XXXX to look at options to prevent foreclosure and stay in my home. On XXXX/XXXX/XXXX sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on XXXX/XXXX/XXXX, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on XXXX XXXX, XXXX requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on XXXX XXXX, XXXX. The last letter that has been sent to Caliber Homes Loans c/o XXXX XXXX was sent on XXXX XXXX, XXXX also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on XXXX XXXX, XXXX went to my foreclosure hearing in XXXX County North Carolina and the XXXX XXXX XXXX granted the foreclosure sale to be XXXX XXXX, XXXX. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that XXXX XXXX XXXX XXXX, XXXX changed the SUBSTITUTION of TRUSTEE to XXXX XXXX XXXX, XXXX XXXX days before the Court Date. Is that legal in North Carolina? Or is it legal to have XXXX substitution of trustees on the same Deed of Trust?
i signed up for a walmart visa. despite my average credit line being about {$20000.00}. they approved me for {$500.00} or some insanely low amount that should have been a denial,. I immediatly contacted the XXXX number to reject the offer of credit. I was never even sent a card. however the bank insists on reporting an account to my credit report for the 5 min it was open from when I was approved to my calling to tell them to shove it. i never used this account. i was never issued a card. i never recieved a card. this should not be reflected on my credit report affecting my score as a new account. I have contacted many times but i think reps are in XXXX and just follow a script and this aint on the script. 

please remove the accounts from my reports.
XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.
Regarding the 2017 Equifax security breach, I was potentially affected by this breach. I have followed every step outlined by the company to sign up for their no-cost " premier '' monitoring service. Without exception, their enrollment process has been flawed and their computer resources are inadequate to compete the enrollment. As of this morning ( XX/XX/XXXX ), the company 's computer system is down due to high volume and I was told it is not expected to come back up until late tomorrow ( XX/XX/XXXX ). I have not been able to complete the enrollment process almost two weeks after I determined I was potentially affected.
Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.
SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.
Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.
Charged illegal 743 % interest rate. Was n't fully aware of terms until loan had been accepted.
I made a loan on a chase mileage plus credit card ( I actually had thought I was doing it on a Freedom credit card, but apparently it was n't ), In any case I paid the loan off on time, but after my last payment was charged the yearly fee of {$95.00}. I wrote and told them I was cancelling the card and therefore not paying the yearly fee ( which was due after my letter cancelling the account ). I got a bill the next month ( recently ) repeating the charge and adding an interest fee. I phoned the company and was told I was XXXX days late - somehow there was a 1 month deadline after paying off the credit card and i was XXXX days short of that when I cancelled. I refused to pay and am hoping you can resolve this.
On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.
Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX  XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} XXXX
I applied for a re-finance through the HARP program with my current mortgage company, Well 's Fargo. I have been with this company for years and have never been late on my mortgage payments except during XXXX XXXX. When I applied, I was told that I qualified for the HARP program. I then received a letter from Wells Fargo telling me that my loan application was approved. Afterwards, I received a phone call from a Title Search Company that apparently does research for Wells Fargo who told me that my loan was not going to be approved because my second mortgage was with a company that Wells Fargo does not approve of. Initially, I was told that XXXX was an approved lender for my XXXX mortgage. The bottom line is that I am being denied to loan at a better interest rate ( 3.25 % ) which would save me {$100.00} each month and shave off XXXX year of my current mortgage. I am being denied this opportunity not because of my credit, but because they do not approve of the company that holds the XXXX mortgage lean on my property. The XXXX loan originated with XXXX XXXX XXXX, was sold to XXXX, and then XXXX was purchased by XXXX. I had no control over the selling and buying of my XXXX mortgage. How can I be disqualified from taking advantage of the HARP program due to this? Is this actually a valid excuse for my mortgage company to deny me the chance to save money? Is this a loop hole that they use to keep honest, hard working bill paying citizens at a higher mortgage rate?
My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.
After sending multiple letters to the credit bureau and to the creditors listed below and filing several complaints. Transunion is still reporting these inquiries on my credit report from the following places. 
1.XXXX XXXX-XX/XX/2018 2.XXXX XXXX-XX/XX/2018 3. XXXX XXXX-XX/XX/2018 I have contacted each of the companies as directed by the credit bureaus and was directed back to transunion in which they have failed to provide any signatures or contracts or any proof of evidence that what they are reporting is accurate and or that it belongs to me and instead of removing and ignoring my disputes they send me the letter that I am attaching to this complaint. Also transuion has violated my rights and refused to even mark these inquires on my report as disputed. This is my 4th letter that I have now send them certified with postal tracking number XXXX XXXX XXXX XXXX XXXX. 
It is clear that the ALLEGATIONS IS UNPROVEN In all aspects of its reporting and I requested that these inquiries be deleted immediately.
On XX/XX/XXXX after the online login fail I called Bank of America to learn that my business account is under closure. Since I did not receive any paperwork in regards to the closure I didnt know what the procedure was with existing payments in and out of the account and what was going to happen to the outstanding balance on the account. An employee explained to me that any outstanding payments from the account would be processed and any payments scheduled to be transferred into my business account would also process until the account is completely closed. Since it is a business account there are a lot of ACH payments set up and I specifically asked about those payments coming in which an employee confirmed that would clear in the account. I contacted the companies that my business is working with and updated bank details but the cut off dates for some of them was too close and some payments had already been processed and a sum of over {$48000.00} went to BoA business account. 
After a few days when I called to follow up on the status of my account I was told that a cashier check for my account balance was sent out. To my request for an overnight post Bank of America replied that any checks for big amounts are always sent overnight. The following day nothing came in the mail, called the bank again and this time I was told that those funds are now sent for investigation. This is when the big SHOW began. Bank of America we need 3 business days, we need another 48 hours, we need 72 hours, we need 5 days and so on until now to investigate those funds. 
The risk department requested documentation confirming the source for those funds and I have provided all the invoices, all the payment receipts, all the contacts and so on. When I took the documentation to the branch for an employee to verify and fax them over to the headquarters I was told 48 hours and we should have a response either a cashier check would be issued or those funds sent back to the accounts where they came from. After 48 HOURS when I am positive I will get an answer I am told another 3-5 business days is needed to review the documents.

I have people to pay for the services they have provided, I have company employees waiting for payments and I can not do anything about it because Bank of America is sending my case from one department to another and I already want to think that they dont know where my money is! Have they spent my money and need time to play around with other peoples accounts? Have they put that money in circulations? I need this resolved ASAP. My company is on the edge of breaking and I have no obligation of chasing the money that I have worked for day and night. Bank of America has the first obligation to pay us, and FDIC shares that responsibility for our funds. 
Thank you for taking the time to refer to this matter.
On XX/XX/18 synchrony bank called me to remind me of a payment I immediately get them my debit card number for {$190.00}. Payment was taken from my account. They can't find it. They have been calling daily wanting me to send it. My bank XXXX and I have fax them several times proving how, and when they withdrew the monies. We just do not know what we can do to resolve it. They are not cooperating.
I sent a secure message on XXXX XXXX, XXXX to my auto loan financial institution CHASE AUTO to remove the false note that my financed car was AFFECTED BY ANY NATURAL OR DECLARED DISASTER because I was not affected in any natural or declared disaster. 

I received a response from CHASE AUTO on XXXX XXXX, XXXX saying that they submitted a request to their Research Department and within seven business days they were to send me an update in writing. 

I have yet to receive any further communication, electronic or written, from CHASE AUTO about this false claim on my XXXX credit report. 

Where I reside, XXXX, TX, was not affected by any natural or declared disaster. I do not want any issues with my credit report when I have to go refinance my house soon. CHASE AUTO is at fault and needs to remove this false statement from my Credit Report.
In  XXXX  of    2016  we were cont acted by First Guaranty Mortgage Corporation about refinancing our home for a lower interest rate. One year later we have a negative escrow account to the tune of more than {$2900.00} and now our mortgage payments have increased more than {$200.00} per month for twelve mon ths. We have paid our mortgage every month on time and refinanced for a lower interest rate only to be punished with a mortgage payment that we can not afford.  XXXX   XXXX   XXXX   XXXX  is servicing the loan and has continually maintained that the problem occurred at closing with the refinance through  First Guaranty..
XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.
I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.
There is a NEW policy with the RATE REDUCTION PROGRAM. Borrowers now have to renew paperwork every 6 months instead of every year. THIS AMOUNTS TO HARASSMENT. I am a XXXX  year old that took out these loans by mistake. I've been paying them back since XX/XX/2009. It is bad enough that I have to go through the XXXX  and XXXX every year with this. I AM NOT GOING TO GET A HIGHER PAYING JOB AT MY AGE. This is low level harassment. I lose time job time to take time to " renew '' once a year NOW THEY HAVE MADE IT EVERY 6 MONTHS!!!!

XXXX  DO YOUR JOB!! This organization was a BOON to student borrowers now you are just trashing it. DO SOMETHING!

XXXX XXXX
I have tried multiple times to get my monthly amount reduced. I ca n't afford the monthly payments that Navient is asking. I have called several times a year but nothing changes.