WillisBack/dataset-financial-user-claim huggingface dataset:
From approximately XX/XX/XXXX, to XX/XX/XXXX, I submitted HAMP loan modification paperwork again and again-wrongfully denied the HAMP loan modification each time! The loan was given to XXXX XXXX   which was taken over by the notorious foreclosure king ( XXXX XXXX, CEO, " Foreclosure King '' ), OneWest Bank! OneWest Bank   continued to pretend that they are really interested in modifying my mortgage under HAMP guidelines but cheated me out of the HAMP modification over and over again! XXXX XXXX, a loan modification agent of XXXX/OneWest Bank, denied me, once again, the HAMP loan modification on XX/XX/XXXX! He stated that the property was not " owner occupied! '' He said that OneWest/XXXX XXXX came to this conclusion and is denying my loan modification because the " sent somebody to knock on the d oor and nobody answered! '' How is that fair!!?? OneWest/XXXX XXXX made no appontment with me, dropped by whenever they felt like it, knocked on the door, and then left. OneWest/XXXX XXXX said that nobody answered the door and therefore the home is not owner occupied!! Do you see the blatant deceipt and lie that Onewest/XXXX XXXX  used on me??!! They kept playing these horribly fraudulent tricks on me because they never wanted to give me a HAMP loan modification at all. They were deceitful liars all the way through! I was in loan modification with them on XX/XX/XXXX. They dis not care. They foreclosed on my home on XX/XX/XXXX,  forcing me to find another place to live! They stole my property from under my nose without paying any attention to the HAMP loan modification that was sent to them and because they were pretending and lying all the way through. Again, they had no intention of giving me a HAMP loan modification. They wanted to foreclose from the very beginning of the process and steal the property from me! I am very upset, as a hard-working, XXXX American citizen, and I am outraged that OneWest? XXXX XXXX were able to abuse me in grand theft property and home! I did everyhthing properly to modify my loan under HAMP guidelines and both XXXX XXXX and Onewest Banks did  everything improperly to frustrate me, pray for me to go away and give up the HAMP process, and ultimately steal and foreclose on my home, my property. This is why OneWest Bank is known as the " Foreclosure King! '' Please, for the love of justice and America, please bring me justice from this extremely crooked bank!
XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
I reached a written settlement agreement with Citibank , N.A . in XXXX and made monthly payments. Due to long-term unemployment that lasted from XX/XX/XXXX-XX/XX/XXXX, I was unable to make payments in late XXXX, so Citibank received a default judgement against me in XX/XX/XXXX. 

The attorney for Citibank sent a letter to me on XX/XX/XXXX and offered to modify the XXXX settlement agreement by letting me pay {$46.00} a month. I made the payments from XX/XX/XXXX through XX/XX/XXXX and sometimes paid for two months at a time. 

On XX/XX/XXXX, when I was three month ahead of schedule, and had paid {$130.00} extra, Citibank, without prior notification to me that anything was wrong, garnished and placed a hold on two checking accounts and one savings account at XXXX XXXX for more than I owed, including court costs, etc. The total of the three bank accounts was less than {$1500.00}. 

On XX/XX/XXXX, I filed a motion to exempt my property of less than {$6000.00} from garnishment and mailed a copy to the attorney for Citibank by certified mail. The attorney for Citibank received and signed for the certified mail. 

I called the attorney for Citibank on XX/XX/XXXX and asked a non-attorney employee to send a payment history to me by email and by delivery through the postal service to my home. I called again on XX/XX/XXXX and another employee told me that I should receive the payment history by email within 24 hours of my initial request. However, as of XX/XX/XXXX, I still have not received the payment history by email and the hold is still on my three bank accounts. 

The illegal garnishment and hold on my checking accounts, plus not sending a payment history to me are clear violations of my rights.
I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.
The USAA FEDERAL SAVINGS BANK, XXXX, XXXX, TX XXXX is EMBEZZLING money through access of my account. USAA is accessing an account that has been closed for over 2 years.The XXXX of XXXX, XXXX stated that no activity has taken place on this closed account. Who is able to access a closed account other than an EMBEZZLER? USAA stated that USAA can open a closed account to make deposits but not to withdraw. That 's a clear sign of POTENTIAL FRAUD. I have not authorized anyone to transfer any money from or to any other account. I do not know of any SUPPORT THE TROOP accounts. I have provided proof of this FRAUD & USAA still chooses to hold me responsible for an issue in which USAA has n't provided any authorized transaction on my behalf. I have been calling for the past XXXX days about this matter. No one can show from where & to the money was transferred. There is a clear case of FRAUD & EMBEZZLEMENT. PLEASE HELP ME WITH THIS MATTER.
I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my XXXX mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from XXXX that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that XXXX has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case XXXX did not get my statement out to me on time.
Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.
Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX
On  XXXX / XXXX / 2017 , USAA was contacted regarding information being reported on my consumer report from  XXXX   XXXX   XXXX . They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by  XXXX , and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number  XXXX .
I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX  bill, ( of which was combined with internet service ). 

In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX
XXXX XXXX and Equifax is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party XXXX and Equafax are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Today I received a collection letter from my mortgage company, Mr.Cooper. They want me to pay them {$620.00}. Where they came up with this number eludes me. I was told by a Mr.Cooper representative this was an attrition, escrow shortage and also required by RESPA. She told me there had to be a minimum balance in my escrow account. Federal Laws. No federal law mandates that lenders must open mortgage escrow accounts for borrowers or keep a minimum amount in this account Also The Department of Veterans Affairs does not require escrow to be used, but many lenders do.. However, the Real Estate Settlement Procedures Act permits lenders to require these accounts at their discretion. Mr Cooper took over my loan on XX/XX/XXXX. I was with XXXX XXXX previously. During the XX/XX/XXXX year they deducted {$66.00} per month for 12 months. On the XX/XX/XXXX my insurance premium went up {$6.00} per month which meant for 5 months i underpaid {$30.00}. When Mr. Cooper billed me for XX/XX/XXXX there escrow only collected {$66.00}, which meant I was now in arrears of {$37.00}. I am more than happy to pay this amount which would bring my account current. I will not pay {$620.00} Still don't know where this figure would come from unless an error was made internally at Mr. Cooper and they expect me to pay for it
My checking and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.
I have reported this XXXX times now it keeps getting added back to my credit reports. I live aboard from XXXX to XXXX returned to XXXX XXXX, XXXX and XXXX reporting debts I do not owe. They claimed accounts were opened in XXXX. I first became aware of the problem because of XXXX and subsequently with XXXX filed reports with police collection agencies and XXXX. Others taken care of XXXX keeps getting placed in bureaus after it is removed. My passport documents I was not in country when this account opened.
I have disputed the public record with transunion. They have claimed it is verified by the furnisher which i s US Bankruptc y court. I have corresponded with the bankruptcy court and they have verified that they do not verify with the bureau s on 3 occasion s. I have asked the bureaus for the names and phone numbers of the person or persons from the bankruptcy courts who verified this item. They have not produced it. They have told me that it was verified by a third party which is not valid. Also i know that i have not signed any contract with any party giving any rights to report this invalid item to my credit report. I have also asked for any contract permitting this to be reported to my file maintained by transunion which is required by the FCRA they have not responded. I am asking for these items publicly so that transunion can not dispute that these items have not been requested for the third time.
Equifax XXXX XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

Petition to remove inaccurate information from Credit file. 
My name is XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX. 
After reviewing my report I discovered that inaccurate addresses are still listed on my report. I have sent a letter severally to have this removed without any success. 
Kindly remove all other address. My correct is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. 
Also remove all employers as they are inaccurate. 
I see also 1. Account number XXXX. 
XXXX XXXX XXXX Original Creditor : XXXX This Account is not mine and should be deleted. 
2.Account name : XXXX ( Original Creditor : XXXX  ). 
Account Number : XXXX. 
This Account is not mine and should be deleted. 
3.Account number # XXXX** This Account is not mine and should be deleted. 
I also request a speedy investigation and deletion as soon as possible. 
Signed
Debt collection firm at phone number XXXX calls to say they have legal documents to be served and that I can avoid legal action if I was to resolve the debt.
I would like to reopen case # XXXX. 
I feel I have not been treated fairly by Wells Fargo in regards to loan modification request. 
There response did not answer my questions. 
I will attach my original complaint and my reply to Wells Fargo. 
Please refer to the above case # for Wells Fargo response to my original complaint. They sent a lot of information that avoided my main questions. The information they sent only confirms my conclusion that they could have lowered my home interest rate but just chose not to.
On XX/XX/2018 at XXXX PT I made a transfer money from wells fargo bank to XXXX in XXXX. It was a expressend service from wells fargo. I was sent XXXX $ from checking account. They said that money will be available on or before XX/XX/2018 in receiving location. But my sister from XXXX she didnt get any money. The XXXX said that money was not available and the confirmation number was incorrect. I dont know what to do. I have tried to call the wells fargo but i didnt have any good answers for me. Im so worries about my money. Please help me. Thank you
a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from chief of police again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.
I Was working and going to school things got tough had to move and end school didnt want to end school but had to due to financially problems did n't have enough money to pay off my loan and still is looking for work until this day.
Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!
I have a delinquent closed ( written off ) account on my Experian credit report with a company called XXXX that is not mine. I 've tried disputing, but it 's hard to provide evidence something is n't yours especially if you have no idea how this account is connected to you. I 've even tried calling the company, but they are unable to even let me access the account because I do n't have account number which makes sense because I 've never received a bill for the account that IS NOT MINE.
Im trying to buy a new truck and the place where im getting the truck told me that I owe American Express a large sum of money which is incorrect. I called American Express they said they are showing the same thing but I do not have a balance on the card. I dont know how long this has been going on but its affected my credit alot. They told me that they would fix the problem but still haven't Im beyond mad because I probably wont be able to get the loan for the truck because of them.
I have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!
I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.
I have been in contact with Navient to attempt to get on IBR to repay my student loans, but I 've been given the run-around. I was on a $ XXXX/month payment plan for a year to get the loans out of default, but the payments did not get the loan out of default and no one has been able to tell me who has posession of my loans now. Every department I call tells me to call the other department that I previously called and they keep passing me off. I need help 1 ) obtaining the information regarding who has the loans, 2 ) obtaining information about the amount owed, and 3 ) getting on an Income Based Repayment ( IBR ) plan to pay the loans off. 

Thank you.
XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request