WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.
XXXX XXXX, XXXX : Received " Notice of Servicing Transfer '' correspondence from Ditech Financial LLC. Effective XXXX XXXX, XXXX new servicer XXXX XXXX XXXX XXXX will be collecting mortgage payments. 
XXXX XXXX, XXXX : Mortgage payment for the month of XXXX XXXX in the amount of {$1600.00} paid to Ditech Financial LLC ; payment is notated in the transaction activity section on the following months statement. 
XXXX XXXX, XXXX : Received correspondence letter from Ditech Financial LLC re : " missed payment '' in the amount of {$1500.00} which was due XXXX/XXXX/XXXX. 
XXXX XXXX, XXXX : Phone call to Ditech Financial LLC to discuss " missed payment ''. The customer service agent " XXXX '' was unable to explain why correspondence was sent. When asked to confirm receipt of XXXX XXXX payment of {$1600.00}, " XXXX '' informed me that my payment had been " reversed '' on XXXX XXXX, XXXX. I advised " XXXX '' that this payment was not " reversed '' back into my bank account. At this point " XXXX '' stated she would be forwarding my inquiry to her supervisor " XXXX ID # XXXX '' for researching and I will be contacted within 10 business days for follow up. Was given " XXXX XXXX '' direct extension of XXXX ; left her a voicemail immediately after ending phone call with " XXXX ''. Phone call to XXXX XXXX XXXX ( XXXX ) immediately after leaving voicemail with XXXX of Ditech, spoke with customer service agent " XXXX '' who confirmed they did NOT received XXXX XXXX payment from Ditech. 
XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech, left voicemail # 2 regarding missing payment. 
XXXX XXXX, XXXX : Phone call to " XXXX '' with Ditech for the 3rd time, received her voicemail again! Did not leave a message currently .... too frustrated! I attempted to reach ANYONE at Ditech phone center at XXXX and XXXX and received automated message at BOTH numbers " experiencing technical difficulties and can not assist ''. I was unable to reach anyone by phone despite multiple attempts throughout the day. 
XXXX XXXX, XXXX TO XXXX XXXX, XXXX : Due to the fact that I could no longer reach ANYONE at Ditech Financial LLC ( previous servicer ) I attempted to resolve this issue with current servicer XXXX XXXX XXXX XXXX. Dozens of phone calls to various customer service representatives who could never give me a straight answer, emailing of documents per their request, more follow up phone calls, tickets being opened then closed then re-opened due to what can only be described as inconsistencies with their policies and incompetent staff. At the end of these most agonizing three months of dealing with this mess, NOTHING is resolved. My XXXX XXXX, XXXX payment continues to be missing and my account is now being assessed a late fee as of XXXX XXXX, XXXX. 
In reality what has happened here is theft. In the real world one is punished for stealing but apparently in the mortgage lending world it is acceptable practice!
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
I have Disputed this balance owed in the amount of {$6000.00} with XXXX XXXX and Trans Union and have not received a successful response from either that this is a valid debt of mine. They are reporting incorrect information on my credit report. I have disputed this dept in XXXX and again in XXXX. All I receive back is information that it is manually processing without any validation of the debt. i would like this information removed from my Credit report because it has not been validated and is false information.
I recently was going over my credit report and I found a unverified account from MIDLAND FUNDING LLC # XXXXI have never done business with MIDLAND FUNDING LLC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Enhanced Recovery Co.LLC purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.
Rush Card deducted {$500.00} from account for bill pay, but has never delivered. I am allegedly one of many people having this issue. They stated last week that they would be returning funds within 2-3 days, but nothing thus far. View of current statement shows a decrease of {$500.00} in the balance with no explanation. Calls and emails not being answered.
Wells Fargo on XX/XX/XXXX overnight arbitrarily changed all online account settings so that I could not see all my accounts on XXXX page. They eliminated the tabs for navigation and hide them behind a MORE + button. I am upset because I can not see my money in XXXX place as was the previous practice at Wells Fargo. If I can not see my money in XXXX place than I can not trust the bank to secure my money. 
It is my concern that the bank is separating me from my money by making it harder to find my money and harder for me to administer my accounts. Using a drop dead deadline the bank should be banned. The banks place of trust has been destroyed. I can not trust the bank to be a safe custodian of my money.
I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. 
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. 
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. 
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.
I had a fraudulent charge made on my Macy ' American Express credit card XXXX weekend 2015. It was for about XXXX to the XXXX. It has not been settled by the \ Macy 's American Express card and since rejected they expect me to pay an additional XXXX dollars in interest and fees. They told me that I should not pay the charge since I did not make it then they rejected the claim after sitting on it for 6 months because they said that they did not have enough information. 
In regard to the following problem, I have recently written letters both to the Fraud department and Macy 's in addition to placing multiple phone calls involving wait times over an hour with no resolution. Have filed a police report. No replies to any paperwork submitted to the fraud department. Is there a way to sue the XXXX XXXX? Can they be taken to small claims court? 

They refused to remove a fraudulent charge from my Macy 's card and after 7 months the charge has increased from {$140.00} to {$350.00}. I called the original vendor and I can not find out what the charge was for. They have no record of anything being send to my house. This is usually the hallmark of a fraudulent charge. 

The Fraud department sent the charge back to collections so I am expected to pay all these charges plus interest and fees for something that I did not buy. 
Over a 6 month period, I have spent at least a day 's worth of hours on hold with the credit card 's Fraud department. One day I was on hold for 1 hour, then they hung up and so I called back. I was on hold for another hour and half until someone picked up. Even when you actually reach someone the fraud department, you can not talk to anyone who actually has knowledge of the case. That is another level away. They just take a message and obviously do nothing. 

DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!
I have a Capital One Credit card, which I've always paid in full each month for years, never missing a single payment. Last month I missed paying it off in full by 2 days and the payment ( paid online ) took another 1-2 days to post. I was charged both a late fee ( {$25.00} ) and interest charges ( {$86.00} ). They initially waived the {$25.00} late fee and reversed {$50.00} dollars in interest charges. The following month, despite paying my entire balance in-full again and on time, I was charged another {$77.00} in interest. 

They refused to waive any additional charges indicating I was charged interest because I missed paying my balance off in full the previous month. Bear in mind, no one explained there would be additional charges, when I called last month. Furious, I immediately requested that they close out my account. 

I have {$44.00} dollars in rewards that I have not posted back to my account. 

Unless fees are waived in-full, I will never again due business with Capital One.
My Citibank credit card XXXX was paid in full in XXXX. Early XXXX I received a statement for this account showing a new balance, and I had already cancelled the account and no new charges were placed. I emailed Citibank and received a reply on XXXX/XXXX/XXXX that my account balance was {$0.00}. Now I received a letter from XXXX XXXX collection agency that I owe {$180.00} and it is being reported to the credit bureau as past due. I again emailed Citibank who will no longer respond. I need to get this account removed from the collection agency ; removed from my credit report with a corrected status of paid in full and not delinquent.
I wrote MCM asking for them to send me the required documentation to legally validate this debt on XXXX XXXX, 2016. They have not responded.
XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
.
My wife and I entered a contract to purchase a XXXX XXXX XXXX financed by Credit Acceptance ( housed near XXXX, Michigan ) on XX/XX/2018. As of today ( XX/XX/2018 ) we still owe {$27000.00} on the car, it's worth according to XXXX XXXX XXXX as of the same date is nearly {$20000.00} less than what we owe. I believe this contract is unlawful, fraudulent and unconstitutional. I do not believe it is legal to charge people nearly $ XXXX over the course of 5 years for a vehicle that is valued under {$10000.00}. In only five or six short months we have already paid nearly {$3000.00} in monthly payments, never late. These payments are in addition to the {$2500.00} down payment we paid at the time of purchase. We called Credit Acceptance to renegotiate the terms and we were met with rude remarks and disrespect. Surely our original agreement is illegal. There are loan sharking usury laws in place in this country and interest can not be astronomical. Please help. After further investigation it seems that XXXX and XXXX are subject to much higher interest rates on car loans due to discriminatory crediting practices. If my wife and I were a XXXX couple, we would have received a much better deal. This contract is illegal on many grounds and should be revamped or abolished.
" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''
my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX, AND XXXX have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Received a call from Forward Recovery Movement claiming I owed a debt to PAYDAY LOAN for {$500.00}. Asked for number or address to send letter of validation request. Told no need he could request for me. Received letter of verification in the mail today onXX/XX/XXXX18. The letter was datedXX/XX/XXXX but postmarked untilXX/XX/2018. Called to request phone number again to send letter of validation was told I had already received. I stated not then is to validate my debt as I do not believe I owe. Was told it was not their responsibility to help me settle my affairs and I had the information. I explained it did not have even contact information for the creditor. Sent formal letter of validation today to address on letter received.
Toyota Financial again has evaded responding to my initial request to provide an explanation for the " outstanding '' balance.
A storm took place XXXX XXXX, 2015 to my lake property in XXXX XXXX XXXX, MN. I have been working with my Insurance Co., XXXX XXXX XXXX, and they have been great. Now that my claim is over {$10000.00}, the Mortgage Company XXXX PennyMac XXXX wants to hold my money in escrow until they have an inspector come to my property. They say this will take XXXX days or more. Minnesota starts to get colder soon and I am concerned. I have also signed a Mortgage Affidavit, saying I am or will be making the property as good or better than before, which I intend to do and have sworn so. How do I continue to make repairs without the funds XXXX Checks made out to me & PennyMac ) my insurance company has released, but my Mortgage company wants to hold XXXX in escrow. This is very frustrating. Can you help me? My loan payments are current and always have been. This property is located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX.
I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.
Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my account.
Over the course of XXXX, several financial setbacks occurred causing me to fall behind on my payments so I made steps to work with the Ocwen to begin working on a loan modification so that I could continue making timely payments. Over the course of this process the relationship managers that I worked with repeatedly lost documents and even went as far as saying that they did not receive documents that were faxed, emailed, and mailed to them which ultimately led to me falling further behind on my payments. 

In late XXXX, I received a notice of default and subsequent sale date so I began to work with the loan servicer as well as Keep Your Home California and XXXX to work out a repayment plan for the back fees. They assured me that while I was working with them to figure out a plan that the sale date had been put on hold. In XXXX, XXXX informed me that they had made an agreement that I would begin with an initial payment of {$12000.00} and then go on from there. I felt comfortable with that amount because it was much less than the {$16000.00} that was accumulating after fees and penalties were tacked on. 

I called the servicer in early XXXX because I had not received any documents to sign and after speaking to my relationship manager in late XXXX, I was informed that I should remit a payment of {$12000.00}, which was sent to them on XX/XX/XXXX via certified check even though as of that date I still had received no official document that we had entered into the repayment plan. It was on XX/XX/XXXX, that I received a new document from the county saying that my home would be sold on XX/XX/XXXX, so I immediately called the loan servicer because there had been no communication from them on the status of the repayment plan or any document stating that they had received a payment from me. 

I spoke to the servicer who then told me that the repayment plan was sent to the underwriter and that I had been denied a repayment plan due to my debt to income ratio being 2 % higher than that of which they allow. I then asked when that decision had been made and they told me that the decision was made XX/XX/XXXX. I then asked the representative why I had not received anything in writing that this decision had been made and I was told it was because they do not send out letters of denial and that it was on me to check in with them on the status of the repayment plan application. I know that this is false information because I have received letters in the past in regards to the denial of a loan modification. I proceeded to ask the representative what happened to the check that was sent to them and they told me that they had returned it to me as of XX/XX/XXXX because there was no agreement made and that I would need to make a payment of {$17000.00} to end the sale of my home. This payment has to be made by XX/XX/XXXX. 

I am submitting this complaint because Ocwen has a history of these types of practices resulting in foreclosures and lawsuits, one of which was filed by the CFPB for these same reasons and nothing has changed.