WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property
I received a XXXX from the mortgage company stating Outstanding Mortgage principal as XXXX/XXXX/XXXX is {$83000.00}. Then my mortgage statement dated XXXX/XXXX/XXXX states principal mortgage is {$100000.00}. Why wo n't the amount be the same.
I previously sent XXXX XXXX a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter ). During my request of proper debt validation with XXXX XXXX I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
we had a modification with citi mortgage as they were starting a foreclosure on our propertie as our home was totally gutted out by the contract buyer, we had to show proof to citi mortgage that we were fixing the house back up to where it was XXXX to repair the home, as we wanted to sell it so that we would not have a foreclosure on our credit report. Well 2 weeks before we finished the repair on our house Citi mortgage sold the loan to lending tree. XX/XX/2014 we sold the house and paid lending tree, so satisfaction of this loan was paid in full. Now we see that citi Mortgage has put a foreclosure on our credit report and I have sent all required information to the XXXX different credit report companies to show that there was never a foreclosure. I have also contacted citi Mortgage and they will not remove this from our record as they stated they sold the loan to lending tree. I 'm pretty much exhausted all my angle 's
I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!
My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.
Since XX/XX/2016 I started a short sale process on an investment home I mortgaged through Ocwen Mortgage that 's also serviced by one their subsidiaries. I started the process early because my tenant notified me she decided not to renew her lease when it expired XX/XX/2016. Two days after the property was nationally listed, I received a decent offer from a national residential investor called XXXX XXXX. Incidentally, XXXX is a well-known enterprise within mortgagee/short sale circles. I was ecstatic. Moreover, I 'm almost certain Ocwen 's legal department is aware that XXXX is an established, stable, reputable corporate enterprise that has scattered offices throughout the US. Not to create a problem for my assigned Ocwen Short Sale Negotiator ( he 's great at what he does ) but I have issue with Ocwen 's short salel department demanding original signatures by XXXX XXXX members named on their articles of association. Such a request is XXXX near impossible to get from any higher echelon members in an expansive, regionalized corporation. Would it not be more efficient for everyone if Ocwen 's legal department would request actual signatures ( as opposed to e-signatures ) on " master '' document that could be renewed on a periodic basis and distributed to their negotiators to expedite this cumbersome, stressful process? It seems reasonable. Also, each week my negotiator requests new or updated documents to further delay the sale. Because of Ocwen 's inefficiencies and through no fault of my own, my house will soon go into foreclosure despite the fact that I have a buyer! The entire experience has been insane. Please help.
I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.
MIDWEST RECOVERY SYSTEMS has reported a " collection account '' to numerous credit bureaus in error. I do NOT owe them nor anyone they claim to represent any balance!
You asked XXXX questions. 1. Yes. 2. No. 
My credit report has someone else 's SSN and lists a place I have never lived. My homeowner 's insurance went up. I called the insurance company several times, and FINALLY one person would tell me why ( sort of ). She said it had something to do with my credit score. I paid off my house and have no debt, and I can only suspect that is why. One company told me I had EXCELLENT credit, but somehow my credit score increase my homeowner insurance by several hundred dollars. No one will speak with me at the credit company or the insurance company about the truth. I absolutely hate this system! Help!!!
I want the reports updated and information with this house loan and other accounts on my reports Experian / Equifax XXXX XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new XXXX on line and by the mail. i have attached paper work to as whom i, am with the XXXX credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
My issue is with XXXX XXXX Credit Card. I have been using this card for 20 years and never missed a payment. I was victim of identity theft and someone made $ XXXX in charges. I let the charge company know right away, sent police report and they are dragging there feet in removing it. I need help know. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, NY XXXX
On XXXX XXXX XXXX I requested a balance transfer of {$14000.00} out one of my account to be transferred to a personal checking account with XXXX XXXX XXXX, after repeated calls to follow up on the status without any answers, I was informed today that the check was returned to Capital One and will take up to 2 billing cycles to be credited into my credit card account. XXXX XXXX informed me that it is very common for Capital One checks to be returned when transferring to a checking account, but can not explain why they must hold my money for up to more than 60 days before I can access it again. In the mean time, my credit score is taking a dent on the extra credit utilization and I 'll need to draw on my savings to make sure all expenditures and credit accounts are up to date.
I recently got my credit card limit decreased by XXXX from XXXX to XXXX. I received a letter XX/XX/2019 with an explanation that is due to the length of time revolving accounts have been established. I have called customer service XX/XX/XXXX, XXXX & XXXX in hope that I will be treated fairly and have my limit restored, however after answering personal questions as to why I used the card and why my debt is high, I was denied of my request. I have been a customer for 5 years and it seems like XXXX does not care about that. At all the times I called, there was no negotiating and the scrips reps were reading from were very good in reversing the blame onto the customer. I was told that my limit can be restored but when I pay off most of my debt, so, for now, they have lowered the limit to where I am maxed out on XXXX and therefore my monthly payments will be much higher. I am disappointed in how I was treated and how XXXX does not fulfill their promise - " ensure that all customers are treated fairly, effectively and promptly. ''
I sold my property and my closing attorney wired the full HELOC payoff amount ( $ XXXX ) to Citizens XXXX on XXXX XXXX. On XXXX XXXX ( 6 weeks later ) I received a notification that my account was delinquent. With my account seemingly payed off, I was very confused. When I called Citizens XXXX, they said my account had not been closed and I owed XXXX $ to close the account. Again, if my account was paid off and closed, this makes no sense. After a lot of back and forth with Citizens XXXX and my closing attorney ( including all XXXX of us on a call at once ), the following came to light : - Citizens XXXX received the full payoff amount on XXXX XXXX ( we have the wire transfer documentation that states that it should be a payoff applied to my account ) - On XXXX XXXX, Citizens XXXX contacted my closing attorney to get the 'authorization to close the account '. The closing attorney and Citizens XXXX went back and forth several times attempting to fax the form. They notified the closing attorney several times that it did not come through ( I too have had problems faxing to Citizens XXXX ). 
- Eventually, Citizens XXXX did not return my closing attorney 's call to state that the fax did not come through, so the closing attorney assumed it was finally received. 
- Citizens XXXX then did nothing with the wire transfer for the next 7 days, so my account still had a balance and continued to accrue interest. 
- On XXXX XXXX, Citizens XXXX finally applied the funds to my account, NOT AS A PAYOFF, but as a standard payment. 
- AND, they did not backdate the funds to XXXX XXXX when the funds were received. 
- Thus, my account accrued interest until XXXX XXXX ( and then beyond because the interest compounded. ) Now, they want me to pay XXXX $ to close my account when they had the funds, per their payoff quote, on XXXX XXXX. Additionally, the original payoff included a XXXX $ recording fee, yet Citizens XXXX is attempting to charge me another XXXX $ fee a second time. 
* I have attached XXXX the wire transfer on XXXX XXXX and the new payoff request for XXXX {$.00}
My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.
ally from XXXX PA unlawfully submitted a loan on my behalf. I never applied for a loan with them. ally claimed that they had incomplete information on my personal records but still reported to the major credit companies that I applied for a loan, that I never authorized. Without my authority and without ally having any information on me they gave the credit bureaus fraudulent information against me. They sold my information to credit companies. They hired staff to harass and stain my credit history. ally is in the business of selling fraudulent information. the letter enclosed proves it.
I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
I am having an issue with Bank of america. They have disconnected my online banking and i have not been able to access my account online or make payments to my credit card due to this. I have tried contacting them on fixing this situation and they are not helping me resolve this matter.
XXXX has been non-compliant with removing the unverified account SUNTRUST XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SUNTRUST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I went to Experian.com to obtain my free annual credit report. I was charged {$1.00} for the credit report. I paid what I believed was {$1.00} fee. I assumed it was the current  rate for an online one tim e review of annual credit report. I used a card that I exclusively use for managing miscellaneous expenses. On,  XXXX   XXXX ,  2017 , Experia n *CreditRep______CA c harged my accou nt ( {$23.00} ) which left my account with a balance of {$0.00}. I contacted the company twice to rectify the matter. The only option they gave was cancellation of the membership that I did not sign up for. During my 2nd call, the gentleman told me by paying the {$1.00}, I was paying for a trial membership and the trial membership expired ; therefore, he can not refund the money Experian withdrew from my account and refuse t o refund despite my plea to assist.
In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.
Glasser and Glasser Inc a debt collector garnished my Social Security XXXX Income directly from my XXXX checking account. I had informed Glasser and Glasser that I was no longer employed due to my health right after it occurred in 2014. They sued me and took me to court on XXXX occasions, even though I never signed the subpoena or was home to receive it. On good faith, I went to both hearings to explain that I was ill and now on XXXX. Glasser and Glasser worked with my bank, XXXX, which per XXXX is " their credit department '' to garnish my checking for {$4300.00} and the same amount in my savings, duplicating the charge. When I contacted Glasser and Glasser to resolve this, they required me to provide proof of my XXXX, which I did within 10 minutes. They did call me back immediately after I sent the information and acknowledged quickly they could not garnish XXXX wages and would " review my account and tell the bank to release the hold ''. I kept pushing to understand if they were refunding me the garnishment and I was provided a legal answer which skirted the real answer. I was told " they would review it ''. Also, disheartening is they new bank account information regarding the charges, way more than the actual XXXX representatives did. How can a debt creditor have knowledge of my bank transactions ( yet also claim to be unaware I was receiving XXXX when it is direct deposited into my account every month )? I even told Glasser and Glasser over a year ago that I was on XXXX and very ill. I was told on the phone today when calling about my garnishment that when they received my proof of XXXX income that " the process of them reviewing the charge and going back to court will take time '', but could n't tell me how long. That {$4500.00} was going to medical treatment I desperately need now. Either way, Glasser and Glasser was negligent and their actions were illegal as they garnished XXXX wages. They also never gave me any chance to offer a good faith payment ( which I had done my best to work with them and stay in contact before I became very ill ) or notification of the garnishment, which ironically I was working to do. All the creditors that I worked with negotiated a settlement. Glasser and Glasser would not and now has decided to go the illegal route.
This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.