WillisBack/dataset-financial-user-claim huggingface dataset:
Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is XXXX
i contacted ERC on X/X/2018 to find where the debt was coming from and they couldnt find anything that supported the reference number i provided. they also searched by phone numbers, address, and social and got no results. i have no knowledge of any amounts of to a XXXX XXXX in the amount of {$330.00}.
I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved
XX/XX/XXXX, I XXXX XXXX XXXX took a title loan of XXXX with this company. they in Ca. ( XXXX ) XXXX at time of loan. Since they I have paid they them XXXX in XX/XX/XXXX. they moved to Advantage One Credit XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX I spoke with them they said they would get send the documents i needed but never did. Now this is XX/XX/XXXX, Spoke with a lady with the company in XX/XX/XXXX. every thing was good and now XX/XX/XXXX I can not get in touch with no one.company Name when i call them at XXXX is now XXXX XXXX .You pess number 2 and is disconnect you. I when on the BBB Advantage One Credit LLC has 16 complaints which all sound like what I am going through. PLEASE HELP. Thank you.
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.
I Have Disputed XXXX XXXX XXXX To send me a payment History. I have also contacted Experian Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted Experian they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and Expperian say it is accurate.

Thanks XXXX XXXX
I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and 1XX/XX/2018 - Informative, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
On XXXX XXXX 2016 at XXXX est I received a voice recording message from XXXX XXXX ( XXXX ) and employee of Cohen, Roberts & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Phone : XXXX Fax XXXX. Asking me to call her back and threatening and informing me that she was planning to take a lien out on my property for a debt she had yet to identify. When I inquired what was this about she informed me of a service that was suppose to be handled under and Homeowners insurance claim. She then accused me of canceling that claim ( which I did not ) and then XXXX XXXX began to repeatedly threaten to have lien placed on my home ( again als stated in the voice message recording ), I was repeatedly threatened to be hung up on and to taken to court and sued, it was repeatedly insinuated that I was lying. I pleaded with her about her tone and she stated she was doing me a favor of calling me because she could just put the lien on my house. She purposely, provided misinformation regarding the customer satisfaction survey I filled out from the debt holder stating that I had " given them all XXXX '' and question why I made no mention of the electrical fire issue the company caused. When in fact I did on section XXXX of that customer satisfaction XXXX Form. I repeatedly tried to get her to reduce the threatening and aggressive language towards me yet she would not repeatedly threatening to place a lien on my home for the debt. At one point I was practically in tears due to the emotional trauma and stress she was inflicting. Which she replied, " maam i 'm just trying to collect debt, I 'm going to be paid regardless if you pay the debt or not and have a lien put on your house ''
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ).  They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX  ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX
Purchased dept protection plan from USAA for XXXX XXXX purchased XX/XX/XXXX with USAA auto loan. Loan amount was {$10000.00}. ( 25 ) days after purchase I was terminated from employment. I missed payments 3 months by XXXX as a result. I called to request hardship under protection plan. They asked if I was working. I said no but I had taken a small Labor contract to cover gas money. USAA denied me the protection because I had taken a short term job for a month to earn money for gas. The contract was 3 days a week at {$10.00} an hour. This was my only income. I was suffering XXXX XXXX. Lost that job as a result. But was still denied protection under the protection terms. By XX/XX/XXXX the XXXX was charged off and my USAA account closed. USAA claims no record of the XXXX loan.
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX XXXX XXXX, File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX using XXXX XXXX XXXX Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : Account Receivable XXXX XXXX XXXX XXXX XXXX XXXX,   WA XXXX phone XXXX  claiming a {$5000.00} don't want to deduct my payment {$3000.00}. XXXX XXXX XXXX XXXX XXXX  already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX XXXX until they send me to collections and we have to file a dispute.
XXXX XXXX has received a default judgement against me without proper notification. Judgement was passed XX/XX/2018. I was not properly notified as address on file is incorrect. Midland has been reporting a debt to the credit bureau that has not been properly validated and it has been damaging my credit. The amount and company alleged to be owed is not listed on my credit report.
On XX/XX/XXXX I opened a checking and savings acct with the total balance of {$29000.00}. Because I opened the account on a Saturday I was told that I would not be able to access the money until the following Tuesday. That Tuesday morning I withdrew from the atm {$500.00}. Later that evening when I went online to check the account I was not able to log in. I called the number and was told that Chase did not want to do business with me and my money would be returned to me in 7-10 business days. It has been almost one month and I am still waiting for them to mail a check. Everytime I call I get a different story as to why my check has not been mailed yet. The phrase they want to use is it will be mailed in 3-5 business days. I have been told that at least 4 times to no avail. If you are thinking about Chase for your bank I would recommend keeping your money as far away from this bank as possible. The customer service agents are unbelievably rude. And are in definite need of customer service training.
I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you
XXXX XXXX is pulling my credit, sometimes every other day. I don't seem able to cancel and make them stop. They are using various names : XXXX XXXX, XXXX XXXX Interactive, XXXX XXXX XXXX. This has negatively impacted my credit and credit score.
We are a XXXX and did a large water loss for our customer. They have all the money from the insurance company along with there work sheet. They also have my worksheet from the repairs we did. The home was inspected and passed. The work with us is 100 % complete. The insurance company issued the hold back to the Nationstar Mortgage. We are owed {$59000.00} We received a call on XXXX that all the paperwork is turned in. Today I have been on the phone with Nationstar for over and hour and they have n't released our funds. Everytime we call someone different says we need something else. The paperwork that Nationstar sent us is all filled out complete, we have copies of it. They need to be investigated.
My brother and sister and I had schedule to meet at the Key bank XXXX in XXXX, Ohio on XXXX XXXX, 2015 around XXXX My husband drove me to the bank. My brother was there when my husband and I showed up. My sister was a little late getting there so my brother and I greeted each other and he called my sister to see if she was on her way. XXXX when the bank opened, a banker came to unlock the doors. She went back in and another banker came to the door. My sister showed up about XXXX The XXXX of us greeted each other and proceeded to go into the bank. We were met at the door by XXXX the bankers. She told us the system was down and we would have to use the drive thru window. We told her we did n't need to use the drive up window. We told her that we needed to speak to someone about a loan modification. She told us we would have to call customer service and speak to them about getting a loan. We tried to tell her why we were there but she kept referring back to a customer service number and a loan. All of the conversation was taken place outside the door of the bank. My brother asked the banker why we were standing outside in the cold and not inside having this conversation. We were stopped at the door and told we could go to the bank in XXXX. We live in XXXX and we did n't need to talk to anyone about getting a loan but we needed to speak to someone about modifying a loan we already had with the bank. We never got a chance to tell this. Every time we tried the banker would say we can speak to customer service, and she told us to go to another bank. We were embarrassed and humiliated. The police were called and people were coming out of the bank looking at us as if we had stolen something. Women were rushing to their cars. Yes even though we were told the system was down everyone that was n't XXXX was able to go into the bank and do their normal banking. After we realized we were being discriminated against my sister used her cell phone to record the events. I told the banker, after she said she recognized my sister, that we are together and that we were siblings. She just looked at us as though we had done something to her. This situation was so embarrassing, plus it was cold I went back to the car to get warm. My sister was still trying to get information while still being told to go else where. I tried to explain to her that we were siblings. She said she recognized my sister but she still would n't allow us to come in and sit down and talk to her. Mean while other XXXX people were allowed to go into the bank and do their normal banking. People were leaving the bank in a hurry as if we were some kind of criminals. It was embarrassing and I had to keep my brother calm.
Back in 2013 I had notice tha XXXX XXXX was on my credit report.., I contacted them and explained to them that this account is fraudulent and should not be on my credit report .. I sent ten copies of my police report also.. and the rep told me that it will be remove off my credit report ... this account needs to be removed off my account I have never had a XXXX XXXX account
Bank of America ( BoA ) continues to refuse to accept my payments. On two separate occasions they have refused to accept online bill pay checks drawn from XXXX XXXX XXXX XXXX ( XXXX ). XXXX reports that the checks were reportedly returned because BoA was unable to determine the account number. This assertion is false on its face. Each check contained my full name and and either the full account number or a redacted version. See the attachment to this message, a threatening letter from BoA, that includes a payment coupon which only references my name and a portion of the account number. As you can see, its explanation lack substance. Upon information and belief, BoA is refusing to accept my payments in order to assess unlawful late penalties. In a third payment attempt, on XX/XX/2017, I paid the balance in full at the site XXXX. It is unclear if BoA will process this payment. If so, this should conclude that matter. All late payments must be refunded and my balance XXXX. Any and all derogatory information reported to credit agencies must be recalled and corrected. Thank you. 
Very truly yours, XXXX XXXX
During mortgage application period with Universal American Mortgage Company ( UAMC ), i constantly instructed my loan officer to lock in my interest rate. he always refused, had an excuse on why he could not lock it. at one point even said he could not lock it because the market was so bad it was shut down. eventually time passed and interest rate rose. 2 weeks from closing or less he eventually locked me in at XXXX i should have been locked in at XXXX a month before that considering my credit score is XXXX additionally original documents showed origination fee of {$6000.00} total. at closing time it was changed to {$4000.00} origination fee and {$2000.00} point to reduce interest rate. i understand the totals did not change but the manipulative, financial engineering was dissatisfying and should be investigated. i was never told i would be paying for points and did not have a reason to pay to reduce points. considering the importance of purchasing the house and time restraints i still signed the documents and closed on the house.
Our mortgage was sold to Citi Mortgage about 5years ago and EVER since it has been one BATTLE after another! We had to pay taxes twice in one year despite the fact that we paid them at closing and we had the taxes escrowed into our mortgage. 
The costumer service is NONEXISITANCE! you can not talk to the same person twice. No NOTES are made in the account to communicate once you do get through so you must repeat EVERYTHING! The hardship program is a JOKE! We experienced a hardship and jumped through all their REQUIRED HOOPS only to have our mortgage payment increased! We then obtained a lawyer to help us " do the Right thing '' only to have them continue to jerk us and the lawyer around. For the last 2 years we have fought to keep our mortgage and our home only now to feel defeated and unable to continue the fight. We are attempting to sell our home just to get rid of Citi Mortgage and try to restart. 
We have NOT kept anything from Citi Mortgage, as soon as we retained a lawyer they were contacted with ALL of his information. I had given verbal authorization for Citi Mortgage to discuss options with him and the information was " NONEXISTING '' after 8months after they had been in contact with him ; thus again forcing me to jump through their hoops to allow them to discuss the case. We then applied for the hardship loan modification. For almost a year we paid the amount that we thought was the payment amount. XXXX of 2016 Citi Mortgage began sending our payments back to us. At this point I could no longer continue the endless battle and we entertained putting the house up for sale. In XXXX Citi Mortgage sent me a letter notifying us that our mortgage had been sold. All paperwork was provided to the lawyer and relator with the New mortgage holder 's information. When my relator called the company that our mortgage was sold to she was told, " Not all files have been sent over and information is limited. '' My lawyer then contacted the same people only to be told that the mortgage was NOT sold that Citi Mortgage still holds the account. My Lawyer then contacted Citi Mortgage, at this time Citi Mortgage is requesting us to re-apply for a loan modification. There was NO explanation given as to why we received the letter, Nor why my relator was told one thing and the lawyer another. 
I have LOST complete faith in this company! NO ONE there knows what is going on and all that I get is a CONSTANT RUN AROUND and jumping through hoops. They are selective in the notes that are applied to the account. One month they will speak to the lawyer and relator and the next I need to submit a formal letter ( AGAIN! ) to Citi Mortgage to allow them to discuss my case. At this time we are attempting a short sale unfortunately Citi Mortgage will not provide a FINAL payoff figure to the relator making the sale of the house DIFFICULT. 
As a first time home buyer they have made this the WORST experience EVER!
I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.