WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.
XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}
I suspect that my identity has been stolen for the second time. I disputed an account being reported XXXX to which I asked XXXX to validate the information reported. I never received validation but Equifax is reporting that it was validated with them but they refused to tell me what information was verified yet the address that XXXX is reporting is not my address. This address XXXX XXXX XXXX XXXX has been previously deleted by Equifax yet they re-reported this address on my credit file as of XXXX/XXXX/2015 ( less than 30 days from removal ). Equifax is also reporting my birthdate incorrectly. I 'm listed as being XXXX years old when I 'm only XXXX. I 've sent in XXXX copies of my valid Florida drivers license yet they refused to correct my information. These invalid reporting is causing me to be refused credit. I 've spoken to XXXX supervisors at Equifax and they all have refused to fix these incorrect reporting.
I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.
The file is with the bureaus. Their number is XXXX XXXX XXXX. I called them today and they stated that they no longer had the file # XXXX and they they sent it to a collection agency called D & A services. They transferred me to D & A services and I spoke with the manager XXXX XXXX, she stated that they do not have the file that they say I owed. I asked her well why is it being reported to my credit report, she told me to contact the bureaus agency again. I did and they insist that they did not have the file either. Please have this removed from my credit report asap because they are reporting a file and debt that they do not have record of. XXXX is the only bureau that has taken this off my report..
I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. 
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. 
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. 
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. 
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. 
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. 
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. 
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. 
Your assistance is greatly appreciated.
I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house.
In late XXXX of this year a contacted a lender about refinancing my current mortgage. During that process it was discovered that I had a past due amount for property taxes totaling XXXX. I checked with the county and sure enough my property taxes had not been paid. This was the first time that I became aware of this. I escrow my property taxes and insurance into my mortgage payment which has been paid on time every month. I contacted my current mortgage company, Freedom Mortgage to find out why they had not paid the taxes. They assured me that they made the payments. In fact, they claimed to have made three ( 3 ) payments ( XXXX, XXXX & XXXX ). After some research on their part they discovered that the payment they sent in XXXX was returned because it was for the incorrect amount. When it was returned they failed to issue a new check and get my taxes paid. I inquired as to why so many checks were written to pay my taxes ( as they were not partial payments but full payments ). They did not give me a clear answer, only that they send bulk checks to the county. However, they claimed that the three checks that they sent on my behalf were not bulk checks but individual checks just for my account. Despite this, they do not know what happened to the XXXX and XXXX check as it was only the XXXX check that was returned for the wrong amount. It would appear also that they waited until the very last minute to pay the taxes because the bills go out in XXXX ( in XXXX county we have until XXXX the following year to pay ) yet they did not send a payment until XXXX. 

In good faith I make my monthly mortgage payments which includes escrow so I expect my mortgage company to pay my property taxes in full and on time. I have now suffered harm as a result because in the process of my refinance the delinquent taxes will now cost me money because it will have to paid by new lender and added onto the loan. Therefore, Im forced to take a higher loan amount if I chose to go through with the refinance due to my current lenders incompetence and what appears to be funneling of money. They need to be thoroughly investigated. Ive uploaded a copy of my annual escrow statement which was sent in XXXX which shows how much was paid into escrow and how much they claimed to pay out, yet my taxes are delinquent. Also uploaded is a copy of the county 's invoice.
Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.
This is NOT a duplicate complaint. 

Scheduled the minimum payment on the credit card, even after Bank of America reneged and did not honor the Hurricane Irma waiver as promised in XX/XX/2018. The Bank of America website would not allow me to re-attempt to pay the minimum payment all week. Why would Bank of America treat a valued customer this way? Fraudulent motives by Bank of America to extract more fees and interest? Clearly this is Bank of America 's objective. Retaliation against Bank of America customers who complain about very poor customer service.

Consequently, I have been unable to pay the {$430.00} that Bank of America reneged on waiving as promised. This appears to be bias irregularities with regards to my account. Are all disadvantaged minorities treated this way by Bank of America?

This is NOT a duplicate complaint. 

XXXX XXXX
I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are XXXX, Equifax, and XXXX XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250.
My mother used my information while she was living with me to take out a student loan ( also maxed out credit cards in my name ). I have already reported identity theft and filed a police report. Company will not remove the negative collection from my credit report. The amount is around {$7100.00}.
I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.
In XXXX, I was issued a XXXX from Chase Bank for a debt they cancelled. I have contacted all three credit bureaus to have the information updated but Chase has not updated my balance.
My initial loan was for the amount of {$19000.00}. After 4+ years of perfectly on time payments my current balance is at {$23000.00}. Close to {$1000.00} of this is only from the past 3 months of non-payments. I have ceased payments do to the fact that my servicer ( Navient ) may come under suit from you ( the CFPB ). I believe I am a victim of everything your pending suit entails. Dodgy practices, exorbitant interest, have all kept me in debt and makes sure that I continue to be. 
Preliminary estimates of my balancing book show that the above debt is all but nearly paid. However as stated the debt has only gone up, after 4+ years of payments. 
The school that I attended, The XXXX, located at XXXX, XXXX, PA XXXX, owned by XXXX ( XXXX XXXX XXXX ) has also come under fire, adding insult to injury. They too are dealing with impending litigation for their practices, mostly which have to do with private loans. However this claim is against Navient and their practices. 
I urge the CFPB to continue there research into the practices of Navient and follow through with there suit against the company. Doing so could help thousands like me currently dealing with this company as well as help future students from companies like Navient.
Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.
I disputed inaccurate unverifiable items on my credit report on XX/XX/XXXX  after not getting a response I resubmitted response onXX/XX/XXXX along with the FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 623 ( b ) ( 2 ). And as of XX/XX/XXXX Equifax has yet to send me any updates.
Bankruptcy was on XXXX/XXXX/09 and cleared. Should be off of my credit report now.
I am enrolled in an income driven repayment plan with Navient, which requires a yearly verification of income. Every year I timely file my paper work, yet Navient systematically ignores the receipt of the documents allowing the deadline to lapse which results in a capitalization of the interest. After the first occurrence of this in XX/XX/XXXXI would make repeated calls to the Navient after sending my proof of income to ensure that this would not occur. In general it would require 3 to 4 calls insisting that the paper work had been sent in a timely fashion and demanding that the acknowledge receipt of the documents and officially update their records to indicate that they had received it. This was an incredibly frustrating process and it was clear by their actions that Navient have been acting in a bad faith. It was not a one time occurrence, I faced this same scenario every year when attempting to renew my income driven repayment plan. Although this was a nightmare to deal with I thought my persistence had prevented any further unwarranted and erroneous capitalization of interest. However, due to my mistake I did not regularly check on my loan balances and aside from my yearly fight to remain in the income driven repayment plan I did not pay close attention. Recently I checked my loan balance and noticed it was much higher than I recalled and was able to determine they had capitalized interest in XX/XX/XXXX. I know that I had timely filed my paper work as I do every year. I think it is telling that my final payment of the prior year was processed, interest was capitalized and days later my payment was adjusted for my new income. Despite my timely filing of the paperwork Navient allowed the time period to elapse solely so they could capitalize the interest and processed the paper work for the recalculation days later. In my opinion this is an example of the systemic fraud undertaken by Navient.
on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. 
on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. 
I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. 
XXXX  XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX   XXXX  which does me no good. 
the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. 
XXXX XXXX XXXX whom i also reported consumer financial protection bureau
I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.
The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.
My CapitalOne XXXX XXXX charged me for a transaction I disputed and paid using another payment method, even after several attempts to explain and document share using secured link and through Mail and several Calls. 

Now they started charging me Late Agee for the same, for that transaction which I categorically denied and disunited. 

Please kindly help, its a huge amount of - XXXX $ I can provide all other documentation I shared with CapitalOne besides the uploaded documents as required. 
Thanks & Regards XXXX XXXX XXXX