WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my paperwork two months ago to be re-certified for the REPAYE program. I 'm set to go into repayment in XXXX, and FED LOAN Servicing has still not told me what my new payment will be. When I submitted an inquiry through their website, I was given a template response indicating that my monthly payment would be over {$2000.00}. This almost more than I take home in a month, and I work in public service.
First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to XXXX who sent me a letter via email. This debt was said to be {$490.00} from checksmart XXXX XXXX. I believe the debt collector falsely posed as a process server
I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago.
My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..
I previously sent a compliant to your department reference number : XXXX regarding OCWEN LOAN SERVICING LLC. After reviewing Ocwen 's response they are basically not forthcoming and appears to be involved in a very unethical situation which took place previously. Ocwen Loan apparently became the servicer for my residence at XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. After further research it was revealed this home was involved in several fraudulent loans, in which we were the victims of Identity Theft and Mortgage XXXX. I did notify Ocwen there were several loans on the property, however, we never signed any final documentation. The documentation we received from the closing attorneys was fraudulent. At this current time, Ocwen was given an unmanageable debt. We were unaware of this issue until we were alerted a realtor who pulled documentation regarding the property. In addition, it appears one of the attorneys was charged with embezzlement. WE OWN NOTHING AND WHERE DID OUR MONEY GO? We are taken legal action against all parties involved. we do feel it is in Ocwen 's best interest to initiate damage control before this hit the media. In addition, they responded to our denied modification which they TOTALLY LIED ABOUT, and they are constantly threatening to foreclose on a home was MAJOR FRAUD just to cover their XXXX! In addition, there are additional loans on this property from other mortgage companies. Ocwen stated they had our signature on file on the documents regarding the financing of this property. WE NEVER SIGNED ANY FORMS, THERE WERE NO NOTARIES AND NOT ATTORNIES. We were told to show up at XXXX and XXXX, XXXX XXXX XXXX, XXXX Georgia XXXX. The attorneys assistant was present. We inquired about the signing, we informed the process was complete and the attached forms was mailed.
I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, XXXX XXXX.
I called into this medical debt collector to pay a medical debt for my wife 's credit which we did n't know it was n't paid for & paid it in full. They start telling me that I ( the husband ) had XXXX accounts that was n't paid started demanding that I pay all these accounts with no info of account # 's nor having said the option to see or dispute the debts that was in?. I had no info nor this was n't on my credit report of any of these debts. After having an 1 hour phone call dictating & me trying to get info on these account, they refuse to provide & they went & put this back on the all XXXX credit bureau 's after I had an attorney look over this & they removed these because they were in?.
I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.
I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.
In the personal info page, there are XXXX addresses where I have never lived or had any family member lived there XXXX , XXXX and XXXX XXXX , XXXX
I have unauthorized inquiries on my Transunion Credit Report. The unauthorized inquiries are from XXXX Delaware, Certified Credit reporting, XXXX, XXXX, XXXX, XXXX and XXXX.
My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my experian and XXXX as late when i never been late.
ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.
After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters. 

I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.
I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount
I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted
On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that
This is a letter of Demand to the requisite recipient. It is the format in which  IA  wih to make my complaint.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX  CA  XXXX  (  XXXX  )  XXXX  Letter To Bank Of America  XXXX   XXXX   XXXX  TO :  XXXX   XXXX   XXXX , Chief  Executive Officer Bank of America Corporation   XXXX   XXXX   XXXX   XXXX .    XXXX , NC  XXXX   Re :  Reimbursement for major losses from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  Dear  XXXX   XXXX  : This is the second letter I have sent to  y0u v ia the Consumer Financial Protection Bureaus Complaint Section. Your meter is running, and I wont wait to take action.     I already had offered you the chance to make a good faith gesture by providing me with a lump sum payment of {$25.00}. Now, the demand is about to double. If I have not heard a positive response from you by the fourth Wednesday of  XXXX , or  XXXX   XXXX ,  XXXX , the amount will be {$50000.00} plus compound interest.     In late  XXXX , I sent your office a Qualified Written Request ( RESPA ) per the Letter of Mortgage Satisfaction you sent us on  XXXX   XXXX ,  XXXX . The letter inquired as to whether Bank of America had fulfilled its fiduciary obligation as Trustee and alleged  Owner  of the Mortgage  Loan  (  XXXX  ) we were deemed to owe.     To my knowledge and belief, neither forms  XXXX ,  XXXX , or the forms  XXXX  and  XXXX  Schedule A had been filed commensurate with this account. I will be expecting your firm to verify in writing, with proof that those forms have been filed, and the income accruing from this transaction has been reported to the   Internal Revenue Service   and the   XXXX   XXXX   XXXX   XXXX   XXXX .     We both agree that my spouse and me are the sole proprietors of the property at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CA  XXXX . Again, I am reclaiming possession of that property ; and, I will have my vehicle towed to that sight and placed on the property at a later date, if I have not been given the means to get it repaired before then by you and  XXXX   XXXX ,  XXXX . I will be contacting him next, along with the  CEO  of  XXXX   XXXX .     We will demand compensation from the  XXXX  of them and the other trustees/beneficiaries connected to this mortgage. At some point, the pressure will m ount, in media, and in the legal system such that you will be forced to comply. Make it easier and simple. Make the good-faith gesture, and we can apply that to what you owe. And, we both know you owe restitution.     Otherwise, I will be forced to pursue legal and media actions that will cost you in a myriad of ways. By networking, publishing letters to you and writing articles, and linking to other sites.      Youve taken some positive steps, dont stop now. Better  sooner than later.     Sincerely,  XXXX   XXXX .
Over the past ( 10 ) plus years each time I filed a complaint with CFPB against the three major credit bureaus each had taken some retaliatory actions that immediately impacted and lowered the consumer credit score. More specifically I filed multiple complaints indicating the credit bureaus were purposely removing the credit limits on minorities credit card accounts intentionally lowering the consumer credit score. 

I recently filed a complaint against TransUnion for this discrimintory practice which they removed my credit limit from my XXXX trade line account impacting my debt to credit ratio and lowered my score. According to Trans Union XXXX was not reporting the credit limit which simply not true because it was showing on the other credit reports. 

To date TransUnion has refused to report my XXXX credit limit and continued to blame this on XXXX. Please find attached a letter from XXXX dated XXXX/XXXX/201, confirming their are indeed reporting my credit limit to Trans Union. Therefore, please investigate and find out why the credit limit was removed and provide consumers protection from this abusive discrimintory practice.
On the date of XX/XX/18 someone used my debit card information and made a transaction of {$230.00} at XXXX at XXXX in the city of XXXX without my authorization. I immediately went to Chase Bank and told them I didnt authorize that transaction. They notified the Customer Claims Department and told them that I wanted to dispute the transaction. They said the dispute will be declined and that theres nothing I can do for the reason that they used my actual PIN number thinking it was me who made that transaction. I went to XXXX and asked for any possible evidence but they told me I was unauthorized for them to release any type of evidence. And now Chase Bank is charging me fees on top of that for a transaction I never made.
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
Company called Empire Mediation or Empire Financial ( they reported they are known by different names ) repeatedly called my work phone stating that a debt is owed and that legal action will be required. They did have my name and last XXXX digits of my SSN. Problem is, I have no unpaid debt. They refused to give me an address for their company, stating that they are located in several different states. When I started asking questions, they told me that I sounded like someone that has a ton of debt. They hung up on me multiple times, and when I asked to speak to a manager, it was conveniently a manager that had answered the phone. They also told me that they had sent three certified letters, and that they are not allowed to send out any more per company policy. They told me to Google their company, which I had obviously already done, only to confirm that this is a scam. I know some people may be scared into paying this debt due to the caller threatening legal action, so I want to make sure others are warned of this bogus company.
Someone has used my information and pulled hard inquiry on XXXX without my permission.. 
I want my hard inquiry to be removed immediately..
Continuous problems with bank while I have attempted to get my payments on track after they failed to contact me timely or correctly of an issue with my escrow. I have received no resolve of my XXXX due to their negligence. I have called multiple times only to be told that I owe more. I have called to resolve, spoken with agents who have told me I was good to go, then another issue will pop up. I was told that I was all clear, caught up and if I would go to their automatic withdrawals, I would n't have the issue again. I followed their course of action, had 1 payment automatically withdrawn. I was cancelled there after due to another claim that I was short on my payment. Nothing but XXXX form them. They are a fraud filled bank that need to be shut down
In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks
My loan was sold, I made the payment to the new company via an online check from my bank. The payment was recieved but not applied to my loan. I have provided proof of the transaction however, they are requiring a certain type of proof which I can not get from the bank. I am attempting to refinance and this payment issue is delaying the process.
Despite applying overpayments to my principal for the last 18 months XXXX XXXX has refused to do so without any prior notification. In response XXXX stated in writing that I could have the funds returned to me however when I called customer service on XX/XX/2017 as per the instructions they have refused to return my money
Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.
I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX XXXX that was reading an XXXX on my XXXX XX/XX/XXXX. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.
I had recently talked with a car dealership salesman in XXXX MO. I never went into the place. I talked to the salesman once and also by texting. He kept trying to get me to come into the lot to look at cars. It was within 2 days I started receiving denial letters from so many companies. I have probably received 6 as of today. It has only been probably 3 weeks since I talked to the guy at the lot. It seems like every letter I have there is a XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX which is saying they were in part the reason for the decision and the information they received from them. I do n't know anything about that company on top of all the companies that ran my credit. It shows on my credit there has been around 15 hard inquires. I am frustrated by all of this.