WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act.  In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.
The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.
Our loan was service released from XXXX to Select Portfolio Services ( SPS ) as of XXXX/XXXX/2015. When we received our initial statement from SPS, we noticed that the loan was setup incorrectly. We contacted SPS on XXXX/XXXX/2015 and advised them of the error. We generated and sent out a certified letter to SPS with the previous statement as to how the loan should be setup. On XXXX/XXXX/2015, we spoke to SPS and stated to them again the loan is still setup incorrectly. On XXXX/XXXX/2015 SPS called stating dispute being reviewed. On XXXX/XXXX/2015 SPS called again stating loan was setup correctly. We advised SPS that this is incorrect and to re-review the actual mortgage statements provided. On XXXX/XXXX/2015, we sent another certified letter to SPS in regards to the loan being setup incorrectly. We requested a payoff statement and payment history on XXXX/XXXX/2015 from SPS. We received the payoff statement and again it reflects the incorrect information. The only responses we have received from SPS is that they are in receipt of correspondence. Nothing in writing to our complaint or request of documentation. We are requesting assistance before we file a lawsuit against SPS in regards to our loan being setup incorrectly.
Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.
XXXX XXXX XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.
A dispute was submitted to Equifax concerning three accounts : XXXX XXXX XXXX and XXXX XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX Systems on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for XX/XX/XXXX and XX/XX/XXXX which should not be there. The car was paid in full XX/XX/XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XX/XX/XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full.
I have a title loan with Loan Mart ( XXXX ) I have been trying to settle the loan since XXXX, 4 months now, and after talking to several representatives who said they would get a discounted Pay Out total, the total has never been provided. In the process they have sent me offers to defer payments to the back of the loan i.e. extend the loan at $ XXXX interest per day on top of the excessively high interest. I have now resorted to email communication to keep track but they refuse to respond. They have blocked my access from the website and remove ability to pay with a no fee bank draft. Later found option to login but only pay with high fee options. I spoke to a representative and she refused to allow me to make no fee payments. 

During this process they have made me incur about {$1000.00} in interest and have been trying to reposes my vehicle. In other words, instead of facilitating a Total amount and guarantee of settlement in writing so I can end the loan, they are giving me the runaround, limiting my ability to pay all to raise the total and reposes my vehicle. This has cost me over {$1000.00} in fees which I should n't pay as I requested a Pay Out total in XXXX 2015. When I entered into the contract I was told I could request a payout total and settle the loan in full and get my title back at any point. They have not provided that option and just push to accelerate fees and charges to reposes my car. This is a fraudulent practice. I have tried to address this with the manager XXXX XXXX who as of now has refused to respond in any way. The loan account is XXXX Loanmart is fraudulently steering loans into growth and default to either extort higher interest out of a contract and prevent a settlement or reposes and sell vehicles worth many times more than the loan value
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX to a new home and fedloan servicing apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/16 which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
We live in an area that was affected by Hurricane XXXX. I called in at the end of XX/XX/XXXX and asked for a loan deferment. I was informed that the deferment was pending approval, and they would notify me when it was approved. I asked to proceed with a deferment, and they enrolled me in a forbearance plan without my consent. I was under the impression my loan was being deferred, in which 3 months of loan payments would be added on the back end. I am now being sent letters discussing foreclosure, if I am unable to pay my mortgage in full for the 90 days. I called in and informed them that they made a mistake, and they blamed me and showed little concern. Their misrepresentation has put my family in a touch situation, where we now have to find a way to come up with nearly {$7000.00} in less than 30 days, in order to avoid foreclosure procedures. Pacific Union needs to be held accountable for this misrepresentation, wrongfully enrolling me in a forbearance plan when I specifically asked for a deferment plan, and their lack of concern or care for consumers.
I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.

I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.

I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU
We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.
PORTFOLIO RECOVERY IS REPORTING TO THE CREDIT BUREAUS THAT I OWE A DEBT OF {$290.00} FOR AN ACCOUNT OPENED XX/XX/2012 WITH AN ACCOUNT NUMBER ENDING IN XXXX. I HAVE WRITTEN THEM A LETTER ADVISING THEM THAT THEY NEED TO STOP REPORTING INCORRECT INFO UNLESS THEY CAN PROVIDE ME WITH PROOF THAT THE DEBT IS MINE AND THIS IS WHAT THEY SENT ME. WHICH DOESN'T PROVE ANYTHING AND THEY REFUSE TO STOP REPORTING INCORRECT INFO.
Lot of nothing. The problem with the response is that I had an open claim, which doctors forms shown he was terminally. And I was told since I already have open claim that would transfer from XXXX to XXXX XXXX. I had an open claim that should have paid the card off because XXXX XXXX known that it was be death and was listed if over 12 month, it would pay off card.
I have been going back and forth with the Transunion about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.
Credence Resource Management LLC has sent me letters stating that they are illegally trying to collect on a debt that can not be verified per law. I have asked repeatedly that they either provide proper documentation or stop collection practices. They sent me a letter again with nothing more than a Bill page from XXXX. This does not meet FDCRA practices and it is violates section 609 of the FCRA as original documentation to support the account must be provided. No contract with signature showing this is mine has been provided. When calling the original creditor they have verified that the social security number on the account is not even mine. Credence Resource is attempting to try to hurt me financially without just cause. They refuse to stop contacting me as I have informed them in writing either supply what I have asked or remove the account and move on. As of today an official complaint has been filed with the State Attorney Generals office in Texas. I am now asking that the CFPB investigate their illegal collection practices. Remember the law is very straight forward on Collection Practices. I have repeatedly asked for the original contract that they must have on file and they refuse my request or simply ignore it. This debt is not mine, I am not going to pay it and yet they keep harassing me over this.
I was informed today the bank was closing my account after a business decision. On Friday this account was placed on hold and I did not have access to the money. The bank has not disclosed the reason for closing my account in XXXX business days. I have tried on several occasions prior to today/ XXXX XXXX, 2015 to obtain information. In accordance the consumer account agreement it stated 'the bank will give notice required by the laws governing your account '. I do not have notice or explanation for the HOLD. I am only told the investigator has made a final decision. In speculation, I have POA for my father and have written check from his account since XXXX XXXX, 2015 to pay the bills from this account. My father was not able to write the checks and I lived in a different location. I did not asked to be placed on this account since I was in hopes of my father would be able to handle his affairs on his own. I tried to put a copy of the POA on file for this account. I was told I would have to open another account and close this XXXX. I decided against that because again I wanted my father to have access and handle his affairs. I wrote checks from my fathers account and deposited the checks in my account and paid other bills from this account.
In XX/XX/2014 the rental house I was living in was sold and I had to move. At that time I had an account with XXXX XXXX. I called them and explained that I was moving to a building that provided cable tv and they did not allow satellite dishs. I returned their equipment and thought the matter was settled. I now have a collections notice on my credit reports for {$360.00}. I C Systems is trying to collect an early termination fee for XXXX XXXX. I have explained the circumstances to I C Systems and disputed the charge with the credit bureaus. They will not remove this charge from my credit reports.
I used to be a subscriber with XXXX in the past. I have since cancelled my subscription with them in 2012. my agreement with them did not include payment of termination fees. They put the sum of {$280.00} XXXX amount owed to them in my credit report. They have been recycling this in my credit report for some time now. They once took it out and re-reported it again. This is fraudulent and I want it removed from my credit report.
I called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.
I received a debt notification through mail on  XXXX / XXXX /  XXXX   of {$22.00}. I contacted  Montgomery Ward  through email on  XXXX / XXXX /  XXXX   and they notified me on  XXXX / XXXX /  XXXX   that the item had been returned and that it would reflect it in the next cycle but avoided the charges implemented. To this day I have not received a letter or email that explains the charges of {$22.00} implemented.
Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? XXXX XXXX
Was I suppose to receive the response from the company dated  XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered #  XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called  XXXX   XXXX   XXXX . Attached is my response to a letter  XXXX   XXXX   XXXX  sent me on  XX/XX/XXXX . Could CFPB please inform Ditech,   XXXX   XXXX   XXXX   XXXX    XXXX  and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.
XXXX XXXX XXXX XXXX. 
Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.
My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.
We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.
I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.
I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX  in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX  and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus