WillisBack/dataset-financial-user-claim huggingface dataset:
To say we are frustrated is an understatement and after reading the comments on your site, we are even more frustrated with the company ( Loancare ) that purchased our mortgage. So, I am taking all the emotions out of this letter and putting facts only. 

Me and my wife were both unemployed, but continued to make our payments ( though they were late, we were never 30 days past due and all late fees were paid ). For our XX/XX/2016 payment ( still behind one month ), I made out a check and mailed it to XXXX ( our servicer at the time and having no idea our mortgage servicer had changed to Loancare ). That evening I told my wife I had sent the payment and she told me it would not be there on time so she immediately did an online payment to XXXX ( posted XX/XX/XXXX as the payment due XX/XX/XXXX ). We stopped payment on the check and contacted XXXX to let them know what we had done. 

Loancare became our servicer and everything was fine. It appears the check I sent, was posted on XX/XX/XXXX as a Modified Coupon Payment ( this would now appear to make us current, but we were not aware they tried to post the check we told them was no good ). Not knowing this, we made the XX/XX/XXXX payment on XX/XX/XXXX. We setup the automatic payment and it paid the XX/XX/XXXX payment on XX/XX/XXXX. 

While doing our balance, I noticed our XX/XX/XXXX house payment had not cleared so I contacted Loancare. No disrespect, but the lady was very hard to understand and seemed almost angry that I would contact them since it was " my fault '' for the check. I asked why my automatic payment was stopped without my knowledge and she said it stops automatically when you are behind. This made no sense to me, why would you stop an automatic payment? I tried to explain that we had contacted XXXX about the check, but she would not listen. I immediately made the payment XXXX and after moving other funds around, made a second payment, XX/XX/XXXX ( with late fees ), to make sure we were completely caught up. 

Though I feel there are a lot of issues here, my main issue is this, our automatic payment would have maintained our account in good standing ... Loancare is the one that stopped it, not us. Since they stopped the automatic payment, it should not affect our late payment pasted 30 days. Also, this was three months after we had contacted XXXX about the stopped payment check. 

I did send Loancare a request for help on their support email, but to date have not received a response. 

We have worked very hard to maintain our credit so we are simply asking that the over 30 days late be removed from our credit report. 

Thank you for any assistance you can give us. 

Respectively, XXXX and XXXX XXXX
My student loans are held with Navient and they were put in to defferement without my knowledge. After emailing them several times with no response we had to call and start payments again.
I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.
Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me.
In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.
Debt owed to XXXX XXXX on invoice no XXXX   XXXX for {$260.00} sent for collection was under discussion with XXXX. This point was made known to AMCA and also mentioned that the bill had been paid after expected discount was received. At least 2letters had been written to AMCA on this. It is also easy to verify by calling XXXX XXXX Customer service no and filling in the invoice no. I was surprised to receive another mail from AMCA TODAY threatening to spoil my good name
This company Already sent me a letter promising in a green that they had no legal grounds to charge me for a collection on a missed appointment with no paperwork signed and simply just bought the debt with the assumption of guilt. It is important that the XXXX enforce the laws against such shady places that were promised to remove it from my credit and never do.
The company I am having an issue with is Ocwen Loan Mortgage Company. They reported a XX/XX/XXXX payment late and I've never allowed any payment to pass its 30 day reporting time.

Also, all of the accounts are current and in good standing and they are not reporting it to the Credit Bureaus. This is preventing me from refinancing and attaining a better mortgage rate. This is not the first time I've had this problem with Ocwen.

I seriously believe they are trying to sabotage my opportunities for refinancing. Because I have expressed how disgruntled I've been with their customer service and business behaviors. Can someone please help me? THank you
Hunter Warfield claims that XXXX XXXX XXXX XXXX referred an account to them for collection on XX/XX/XXXX, listing the principal amount due of {$17000.00} but has failed to provide such proof as requested in my letter sent on XX/XX/XXXX. They further claim that an initial collection letter was sent to me on XX/XX/XXXX of which I was never notified. They state that verification of the debt was mailed to me on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I sent a letter requesting that Hunter Warfield Validate not verify the validity of the alleged debt, including providing the following : The agreement with XXXX XXXX XXXX XXXX  that grants them the authority to collect on this alleged debt. 
Agreement that bears my alleged signature wherein I agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I did not request verification but validation with my wet signature. 
I have never done business with Hunter Warfield and they have refused to provide the information requested in my original letter. Furthermore, the information being reported is inaccurate and pursuant to the Fair Credit Reporting Act ( FCRA ) If inaccurate information is discovered in your file it hast to be removed. The attached documents will confirm that this debt has been falsely reported. On XX/XX/XXXX XXXX XXXX XXXX XXXX voluntarily dismissed this alleged debt that they say I owe.
I opened an account with XXXX in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet MIDLAND FUNDING LLC has this account in collection with the full credit amount / total that was paid off. MIDLAND FUNDING is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( XXXX ) on my credit report as paid in full and balance as XXXX, Mid land funding a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
XXXX XXXX XXXX sold my home mortgage loan to Carrington Mortgage Company. I have been a homeowner for 20 years and have never been late on a mortgage payment until Carrington Mortgage company took possession of our mortgage loan. I use and have used XXXX to pay my bills for the last 20 years. I schedule my payments and have never had an issue. I always take advantage of the grace period for our mortgage and pay by the XXXX of each month. If I scheduled a bill to pay through XXXX on a certain date, it is always paid on that date. I was scheduling my payments for my mortgage to pay on the XXXX. That was working fine, and then one month they claimed they did n't receive the payment on time and charged me a late fee. After that, I always scheduled it to pay at least 2 days before the XXXX. Now this month I scheduled the payment to pay on the XXXX, XXXX assures me it was mailed and delivered in ample time to arrive at the mortgage company by the XXXX. I checked my bank account and the payment had not cleared and I received a call from Carrington mortgage saying my payment was due. I went ahead and paid the mortgage again so as not to incur a late fee. I strongly believe Carrington mortgage is purposely holding checks from clients who choose to use the grace period and accounting for them after the grace period ends. I am a good customer and a reliable customer. Fortunately for me, I have the extra income to make that payment so as not to incur a late fee or have it affect my credit record. I believe their procedures need to be investigated. I think they are trying to take advantage of people who are opting to use the grace period and charging late fees. I do not believe XXXX to be at fault, I have never had this issue with XXXX in the past and would like to lodge a complaint against Carrington Mortgage for purposely holding payments from those who opt to use the grace period so as to be able to charge additional fees.
I fell behind on my mortgage and hired an attorney to help me apply for a loan modification with my lender Nationstar Mortgage in XX/XX/XXXX. I had submitted an application on my own back in XX/XX/XXXX and I was told by Nationstar verbally that I was going to be denied. My attorney helped me put together an updated complete new application, which also added a contributor income to solve my budget issue. This NEW application was forwarded to Nationstar on XX/XX/XXXX. I received a letter confirming my application was received on XX/XX/XXXX ( Attached ). My attorney has called Nationstar every week since then and was told the NEW application was under review and nothing was needed. By the time we hit XX/XX/XXXX my attorney advised me there was something wrong. Nationstar per RESPA Regulation X only has 30 days to make a decision and it had already been over 60 days. My attorney on XX/XX/XXXX ( Notes attached ) finally was able to determine that Nationstar did n't even have my NEW application in their system. They were still working on my old application from XX/XX/XXXX which did not have my additional income ( contributor ) of {$4000.00} per month. Nationstar point of contact asked my attorney to send the application again because it was lost, so my attorney forwarded it by email on that day. Now Nationstar is telling my attorney that they merged my old budget and application with my NEW application and they are denying me for a negative budget. Not only is Nationstar in violation of RESPA Regulation X for not completing the review and issuing me a denial or approval letter from my XX/XX/XXXX application, but they are also PURPOSELY using my old budget in order to purposely get me denied. I do not want my old budget used in my NEW application review. I provided an updated budget on XX/XX/XXXX ( Attached ). I never asked them to merge my old budget with my NEW budget. I submitted my NEW budget because my attorney counseled me on my budget and we made changes so I could balance my budget. Nationstar is purposely merging my old budget with my current budget solely to get me denied. My attorney states I qualify for Making Home Affordable ( Positive NPV attached ). Nationstar is either incompetent in processing my loan modification application or they are purposely evading review and using information that was already updated to purposely get me denied. In addition, the HAMP program is now expired and I DID apply before the cutoff. Nationstar never gave me my NPV chart from my applications in XX/XX/XXXX or XX/XX/XXXX. We are now going into XX/XX/XXXX!!!! and I am now being " DUAL TRACKED '' for foreclosure. My attorney states Nationstar is NOT supposed to merge my prior applications with my current updated, revised application. That in their opinion they are purposely evading review and using old, OUTDATED, information that I have already revised ( my budget ) so I can be able to afford my mortgage in order to purposely get me deneid.
I have some various inquiries in my credit accounts. All 3 : XXXX XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.
XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.
I was shocked when reviewing my credit report I found a late payment reporting in the month of XX/XX/2018. 
I am not sure how this happened since i make my payments as soon as I get my statements. My only thought is I never got this statement.
XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.
Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.
Loans serviced by Navient are now handled by XXXX XXXX XXXX. XXXX has aggressively attacked me at home, work, through neighbors and people I have not had contact with in over 10 yrs. It's impossible to navigate their system in order to provide fair servicing in order to get my loans out of default. My loans are now over {$110000.00} directly related to fees making my loans more than double to originating amount. I have a 4 yr  XXXX degree that is costing far more than my salary. I refuse to work with XXXX and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to handling of student loans.