WillisBack/dataset-financial-user-claim huggingface dataset:
I made a repayment contract with Nationstar Mortgage , LLC XX/XX/XXXX, as I lost my job in XX/XX/XXXX and fell behind. I have paid {$150.00} extra ( per our arrangement ) every month since XX/XX/XXXX for a total of {$890.00} but none of my extra money has shown on my payment history. I keep getting threatening phone calls and letters with none of them referring to the repayment plan letter sent to me. I need Nationstar to show & apply these extra funds to the principal of my account as well as fix my credit report they keep reporting to as I am delinquent. I also need them reported to the governing body of mortgage banks as they are disreputable and should be investigated. It took them 14 months to approve my mortgage modification loan and then did it for 40 years!
I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!
A company which I had transacted a purchase in the past ( about 2 years ago ) charged my account for {$230.00} in XXXX of this year. When I called the company I was told that they had no record of charging me for this and instead wanted me to give them my credit card number and other personal information. I refused to do this because I gave them the transaction number and they should be able to figure it out without all of my financial information. I disputed it immediately. I had to chose from a drop down list of options to dispute the charge and the only one that applied was a fraudulent charge. I felt like my account had been compromised since this company was using my information from a past purchase to steal from me and stated this in my dispute. The bank has done nothing except call me once. They did not even stop the card numbers and re-issue new cards until I threatened them with filing a complaint with CFPB on XXXX XXXX 2016. At that time they re-issued new cards which we received on XXXX XXXX, 2016 to me and my spouse but did nothing about the fraudulent charges to my account.
XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.
ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.
There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment
California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around
Certified mail sent to Di Tech on XX/XX/XXXX concerning my payments of {$870.00} which are not behind as they have been claiming. I have not missed any payments except one in XX/XX/XXXX which has been paid for quite some time now.. 
Ditech keeps sending me letters saying I still owe random amounts, like a past due of {$1000.00} on statement, XX/XX/XXXX ( it changes monthly ) yet there is {$4600.00} sitting in my escrow account. My taxes are {$1000.00} paid twice a year and are current. My insurance of {$360.00} is being already prepaid for XX/XX/XXXX. Taxes and insurance were on an impound account since the loan began in XXXX and started with an overage. 
They are collecting forward to XX/XX/XXXX and claiming I still owe them, yet they are collecting from my impound account monthly. My bk XXXX forwarded them {$3400.00} into my escrow account. After all this they apparently are raising my mortgage to {$1000.00}. 
I am on a fixed 4.00 % rate for 40 years. 
It looks like my monthly impound of {$120.00} was applied incorrectly. On a statement dated XX/XX/XXXX it shows {$120.00} as being on ongoing deduction from the balance rather a credit it shows the amount climbing with a negative balance of {$120.00} which should be a positive. 
My payments were {$750.00} up to XX/XX/XXXX about the time they took over my loan from XXXX. I was in a BK XXXX since XX/XX/XXXX and it was discharged in XX/XX/XXXX. I was told by a DiTech Representative that {$3400.00} was sent to them on XX/XX/XXXX from my trustee into my escrow account. I requested the money returned or applied to my mortgage but to now say that I still owe them money and am behind is harming my credit and stressing me out! I would appreciate your correspondence for any violations and your help in rectifying this ongoing payment issue.
I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and XXXX XXXX XXXX no response XX/XX/2018.Instead my file was transferred to another agency Allied Interstate on theXX/XX/2018. 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from XXXX XXXX XXXX that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and XXXX XXXX XXXX refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. XXXX XXXX XXXX violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did Allied Interstate review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. 
What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.
I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday
I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.
This collection company sent me a fake American Express notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for American Express, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
Disputed information with credit bureau because information was disputed with agency first and they did not validate nor respond and credit bureau still lists as verified without proof.
THD/CBNA Home Depot ACCOUNT XXXX FROM CREDIT REPORT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX On or about XX/XX/XXXX I was going through my Credit card accounts and noticed that Home Depot said I was late with my payments. At the time there was a balance around {$10.00} or so. I thought I had paid the entire card off but to my mistake I did not. I asked them why they did not contact me and they said they did. I asked them how they contacted me and they said it was an automated system. I asked them after the automated system came back and said there was no contact what did you do? The credit card representative said that two more Robo calls when out telling me to pay my bill. I asked them what kind of system do you have in place if the first call was not successfully made and they answered none. At that time I was very mad at them and I paid the account off with the operator I was speaking with and immediately closed the account. But their explanation on the XXXX  credit report that I just received on XX/XX/XXXX says that the credit card company close the account when in fact I'm the that requested it be closed. I closed the account because of their stupidity and there collection practices. I asked them to remove the delinquent notices from my credit report and they said they would look into it based upon the issues with the Robo call system they have. But as of this date they have made no effort to remove those late charges from my account. Actually the only way that I learned about this was when I was looking at a car for sale at a dealership and they said that they got a negative report back about late payments, that's when I went home to research this and found the Home Depot issue. It was my mistake for thinking I had paid off without checking but I'm sure I had. Home Depot never called or emailed me to tell me that I still owed them money.
I had a XXXX credit card account that had a limit of {$1200.00}, it did not have a balance nor did I owe them anything. However, due to them receiving erroneous false information from XXXX XXXX, XXXX and or XXXX, siting that I had other derogatory account information they closed my XXXX account. The derogatory accounts are under dispute as they were fraudulently opened by someone within my household. This account closure is having an adverse effect credit file and lowering my FICO. 
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Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX
They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me.
XXXX program sent XXXX e-mails to us in two days with our account number, but someone else 's name, indicating that they are suspending our mortgage payment program. They indicated that their banks have stopped handling the mortgage deductions. They did take payments XXXX XXXX for the XXXX XXXX payments on our first and second mortgages. We are told that we must make the XXXX payments ourselves. We called the company and asked about fee refunds. They said the account is only suspended and not closed, so they are not refunding fees. We feel that we have been scammed and given only part of the story. We want to protect ourselves in this situation. What action of the CFPB caused the banks to stop supporting the XXXX XXXX program? Will the program be resuming as indicated in our call to them? If it will resume, when might that happen? Can we trust the information coming from the company?
On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.
PNC claims they have no mortgage lien against my property located at XXXX XXXX XXXX XXXX ID. XXXX has noted after 2 years of me arguing with them that PNC claims they do not own this loan. I have tried to correct this info on my credit report through XXXX which states they sold the loan to some other party yet they still hold a lien on the property and never released themselves from title. 
This is the account I am complaining about as directly copied and pasted from my credit report. 

XXXX - XXXX Report Number : XXXX Online Credit Report from XXXX for : XXXX XXXX Report date : XXXX XXXX, 2016 PNC BANK , N.A . 
Address : XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification XXXX Status : Closed. 
Date Opened:XXXX Reported Since:XXXX Date of Status:XXXX Last Reported:XXXX Type : Home Equity Terms : NA Monthly Payment : {$88.00} Responsibility : Individual Credit Limit/Original Amount : {$120000.00} High Balance : {$120000.00} Recent Balance : {$0.00} Recent Payment : {$420.00} Comment : Purchased by another lender.
Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA
Upon checking my credit report, all 3 major bureaus Hunter Warfield is listed in collections. I have never had any accounts or dealing with this company. I did not sign any contracts with this company. I requested that they validate the account in which they are attempting to collect the debt and they have not done so. I requested this on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a copy of a lease for XXXX/XXXX/XXXX that expired XXXX/XXXX/XXXX. I am being billed for rent in which I did not reside at the location/residence. This company states that I owe them and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information off my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt.
According to my most recent credit reports,  XXXX  has reporte  d two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all three credit reporting agencies, I had two   payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking  me 90-days l ate as of  XXXX  date is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on 5/8/2014 XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  Florida   XXXX  University in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on  XXXX   XXXX ,  XXXX .  XXXX  responded that they had investigated and confirmed the accuracy of the report.
American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.
I purchased my condo in XX/XX/XXXX and XXXX XXXX  bought my loan from my original lender. Then my loan was sold to Ocwen years later. I did a loan modification with Ocwen when the crash hit. After sending them documentation numerous times over MONTHS, they finally said it was all going through. I was getting a loan modification with principal forgiveness, or so I thought. The modification was done yrs ago and all this time I thought my loan modified according to the forgiveness terms of HAMP. 
After owning my property 20 years, I sold it this week. At closing I was informed that my loan payoff was $ XXXX+ AFTER 20 years of paying on the loan which began at {$150000.00}. But then came the real bombshell. I was told Ocwen added a {$35000.00} deferred principal balance to my payoff amount. This made my loan payoff at closing OVER THE AMOUNT of my original loan 20 years ago! I WAS MORTIFIED. 
When I called the Ocwen Ombudsman department to ask about it, I was told that I didnt actually get the [ principal forgiveness ] loan as indicated and what I was told I signed. The reason they gave was that they did not receive all the necessary documents from me! I SENT THEM MULTIPLE TIMES OVER SEVERAL MONTHS! 
Anyway, I have been the victim of predatory lending and I also believe Ocwen forged or robo-signed my documents. I am a paralegal and I would have NEVER agreed to a {$35000.00} deferred principal balance.. I need help to get my {$35000.00} back that I had to pay at closing this week. I am a single mother and this has been an unbelievably stressful situation. 
Thank U for any help U can give as I am aware of the suit filed against Ocwen in XX/XX/XXXX and I want to know if my loan can be included in this recovery effort. Thank U in advance for your help in this matter!
On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them