WillisBack/dataset-financial-user-claim huggingface dataset:
We want XXXX XXXX XXXX investegated they are the servicer on our mortgage. 

Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. 

We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. 

We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. 

Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX. 

We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. 

We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. 

We want to hold these corporations accountable for the problems they have caused to our family. 

We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.
I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.
On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.
My home closed on XX/XX/2016. I contacted Loancare ( who the mortgage was through ) at the end of XXXX about any escrow balance. They informed me we had just over {$43000.00} in escrow that was due to us, and that the funds were released XX/XX/2016. We have NOT received any of this money. Yes they have my updated information. I have requested new checks 4 times now and every time I call I get put on hold and they just tell me " the situation has been escalated. '' I have documentation showing how many times I have called, the messages I have left, and the emails I have sent. I hired an attorney to send a certified letter to Loancare, which he did, stating if the funds were not in hand by XX/XX/2016 I was filing a lawsuit. All I got in response was a generic email and NO money. My attorney recommended then that I contact the ILDFPR and they requested I contact you. I have documentation of all of the above and how we have not gotten a refund. Please help me! 

( I would also like to mention that the loan is under XXXX and XXXX. XXXX is my ex husband we owned the house together. When we divorced I went back to my maiden name of XXXX. I have court documentation proving all of this and can provide you with XXXX information if needed, he is aware of the situation and on board with moving forward. )
I had contacted XXXX and told them the debt is not mine and that I never had service with there company and have yet received any documentation
Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.
This account is reporting on my Equifax account, it simply says medical no company or account name attached.
I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed
I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX
My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry.
I opened my Wells Fargo checking account last XX/XX/XXXX. At that time there was a {$200.00} promotion attached to the account after 3 direct deposits totaling {$1500.00}. This requirement was met by me but the bonus was not credited. I sent an online message inquiring about the status of the bonus and was informed that the bonus could not be credited because the bank was missing a form that they needed me to go into a branch and sign first. I went into a branch and signed this form. The bonus was still not credited and when I asked about it again online, I was told that I had not met the requirements. Frustrated with my Wells Fargo experience, I sent an online request to close my checking account on XX/XX/18. At that time, I had a balance of {$1500.00} in the account. A check was supposed to be mailed to home within 14 business days. 

When the check did not arrive, I sent an online message again inquiring about the status of my check and was told that I had to go to a branch to sign an affidavit. After signing the affidavit on XX/XX/18, I was told that because the branch manager was gone for the day, I would not be able to get my money that day and told to come back another day. I re-visited the branch on XX/XX/18 and was told that in order for them to process another check for me, there would be a {$30.00} fee for canceling the check that I had never received and that they would be unable to process my check that day. 

At this point, my Wells Fargo account has been closed for over 1 month but I still have not been able to obtain my own money from my own checking account. Further, not only did Wells Fargo not honor their promotion, they are now attempting to charge me fees in order to reclaim the money that I had deposited with them. Given their deceptive and highly unethical business practices, I felt compelled to file this complaint.
I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.
On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX
I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..
I originally filed this complaint with your agency under complaint # XXXX. 
The issue is not with the XXXX Card that was opened in 2000. This is a new XXXX  card that is under my daughter 's name and I am an authorized user. I have been an authorized user for approximately 10 months and no information is being reported by Experian. I have spoken with XXXX and they said they have been reporting this information to Experian.
I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address.
I have been contacting Wells Fargo Office of the President for the last 3-4 months trying to get a letter from them. The dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times because they kept transferring my call to someone else and/or hanging up ), XX/XX/XXXX and today XX/XX/XXXX ( 2 times ... counting the time the branch manager at Wells Fargo called requesting a payoff amount for the vehicle that was charged off ). Me and my husband is in the process of purchasing a home and our closing date was set for this week but unfortunately, we have to extend it because Wells Fargo Dealership Services and the Wells Fargo Office of the President group won't accept a payoff nor will they update my credit report to reflect being a closed account with a charge off. 

On the credit report it is incorrectly reporting to all bureaus ; mainly XXXX because my lenders are a branch of them. It states that the account is charged off but it also is posting as an active account showing that I am late each month. Also, the branch manager at the Wells Fargo located on the XXXX of   XXXX stated that the payoff amount quoted is {$0.00} because the account is past the statue of limitation but their intention is to keep a balance showing on my credit report of {$5900.00} to keep us for qualifying for the home loan. 

As I continued talking to the customer service representative ( s ) for Wells Fargo Office of President, I asked if they could remove the disputes from my credit report and give me a letter to present to my mortgage lender noting that they are working on removing and clearing them off. This account as wells fargo mentioned is past the statue of limitations too. It should have been removed a long time ago! 

In addition to how Wells Fargo is reporting on my credit report, they were sued by the courts and had proposed to remediate auto loan customers of Wells Fargo Dealers Services who may have been financially harmed due to issues related to auto Collateral Protection Insurance ( CPI ) policies. I attached that letter for your review. I was one of the customers impacted by the incident. On the second page of the attached document and the last paragraph on that page it notes that Wells Fargo will work with the credit bureaus to correct customers ' credit records.
I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. 
I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. 
What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, Transunion, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
I had my house foreclosed by Pennymac back in XXXX. First this was a premature and WRONGFUL FORECLOSURE, however bank did not give me a chance to pay back or negotiate any repayment plan. Second my first date of default was on XXXX of XXXX and now it has been more than 7 years and account SHOULD NOT be reporting on my credit, however pennymac is still reporting it. My numerour attempts to contact them to resolve this issue went ignored .... 
PENNYMAC LOAN SERVICES L Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Foreclosed. 
+ Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Type Mortgage Terms 30 Years On record until XXXX XXXX Credit limit or original amount {$940000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.