WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : Please help me ; I want to keep my home. 
For the past 7 months, I have been cooperating with XXXX XXXX XXXX and now Selene Finance to provide all the documentation required to modify my first mortgage which is a 30 year Conventional Jumbo ARM. I have attempted several times to get written confirmation from Selene Finance that my documentation previously submitted to XXXX XXXX XXXX was transferred. This has yet to happen. 
Despite Selene Finance 's unreasonable deadline requests to provide for additional documentation ( which I have submitted every single time on a timely basis ), they seem to be more focused in foreclosing my property instead of helping me keep my home which I have worked very hard since 2003 to pay and maintain. 
Therefore, this written description serves as my written request to submit my official complaint against my loan servicer, Selene Finance, in helping me modify my mortgage due to the following : 1. Unresponsive : loan resolution department head has yet to return my repeated phone calls 2. Contradictory requests for missing documentation : Despite providing " missing documentation '' via certified mail on a timely & repeated basis, Selene Finance letters are unsigned, repetitive, confusing, and contradictory. 
3. Confusing follow-up process : my first mortgage was recently transferred from XXXX XXXX XXXX to Selene Finance. 
4. Wrong focus : instead of helping me modify my mortgage due to continued financial hardship as a result of a recent separation from spouse and therefore loss of dual income, Selene Finance refuses to help, does not offer any options ( lowering my rate and/or extending the term of my first mortgage -I have XXXX mortgages on my home- ), and worse-yet facilitates the selling of my home by requiring to dialogue with realtors who are not specialists in modification. 
Since it is my firm desire to keep my property, I look forward to speaking with a CFPB representative either in person and/or via phone. Please note I have kept diligent records and can show tangible proof Selene Finance committed surprising number of errors that often are grounds to challenge a foreclosure action. 
Since time is of the essence, I thank you in advance for your immediate attention & response to the contents of this written complaint.
I had an account with XXXX XXXX XXXX and I tried repeatedly to get them to discontinue the service, I told them I no longer wanted it. I returned the equipment and I continued to get billed. I called to dispute the charges and I was told that there was nothing I could do because it had be referred to collection so just wait for them to contact you. When they finally did contact me they referred me back to XXXX XXXX who is now XXXX. When talking to XXXX  I explained the issue it was they investigated it and found that I was correct that I didnt owe the {$320.00} in which they had reported to collections and had been disputing, it was corrected to the amount of {$48.00} that I had been disputing. I made the payment for the {$48.00} that I did owe once they had it correct in the system. I am disputing this collection beginning added to my credit report and not being removed once the creditor and collection agency saw that it was incorrect which is a misrepresentation of facts as well as slander.
In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly. 

Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized. 

XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status. 

XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them. 

Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments. 
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem. 
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money. 
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially. 
There were CLEARLY miscommunications and circumstances attached to these missed payments. 

I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.
I sent a certificate letter to Equifax on XX/XX/XXXX ( XXXX ) asking to validate XXXX XXXX  XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX Equifax answered my letter with report number ( XXXX ) indicating that they have verified that this public record item is reporting correctly with third party vendor XXXX How it is possible that Equifax verified in XX/XX/XXXX the accuracy of the information by XXXX XXXX, if in XX/XX/XXXX XXXX sent me a letter ( attached copy of the letter ) saying that was unable to verify the accuracy of bankruptcy case number XXXX and subsequently they had removed from their records. It is clear that Equifax used false information to verify the accuracy of the XXXX XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED THAT ACCOUNT FROM MY EXPERIAN CREDIT REPORT.
I have a credit score of XXXX and in my file I have a former bankruptcy. I have carried and used ( as an additional user on wife 's card ) American Express XXXX. I have had the card for XXXX years and always paid my balance in full. they refuse to issue me a card in MY name. I also carry an American Express through another company, XXXX.
I have complained to Equifax over and over. Equifax has denied me the right to a fair credit report. Equifax knows that they allowed my information to get hacked! Before this situation I was a victim of identity theft! Equifax has a copy of the report. Equifax also has a Statement from a federal agency providing proof that my identity was stolen. A young lady got arrested for using my information and this was verified by the XXXX department. I have spoken to several Equifax employees and they have been very rude. The last XXXX people that I spoke with have been gabriella and XXXX whom were very rude. I have hospital bills reporting on my credit report that are fraudulent. I am a mother of XXXX who receives XXXX. I 've always received XXXX. It is against the law to bill someone who has XXXX unless it 's a co pay. These are fraudulent accounts that are not my accounts. I live in Nd. I have no reason to go to another state and accumulate a Medical bill when I have XXXX and reside in the state of ND. I am trying to purchase a house that has been repossessed from a family member that is now deceased. Equifax has denied me the right to a fair credit report. I need these FRAUDULENT ACCOUNTS REMOVED! THEY AGREED TO REMOVE THE FRAUDULENT INQUIRIES BUT NOT THE FRAUDULENT ACCOUNTS! Please help in making sure Equifax is allowing all races a fair credit reporting rights!
I XXXX XXXX renewed my insurance a down payment in XXXX of XXXX of {$1200.00}, had the insurance agent from XXXX insurance to fax a proof of insurance to Nation Star. I 've called them 4 or 5 times, no resolution. I was told because in XXXX I had a little elapsed from XXXX to XXXX of XXXX, I was told that I must use escrow to the maturity of my loan. I feel that that is very unfair to me, I have supporting documents where they wrote me and made me aware that they are planning to buy me insurance, but it would be better if I went out and purchased my own insurance because it would be cheaper. Letter date XXXX XXXX, XXXX. I have the supporting letter and will sumit it to you for confirmation, it seem to me that Nation Star Mortgage is trying to make tremendous profit on me. The mortgage was originally taken out by XXXX XXXX XXXX , XXXX XXXX XXXX high interest rate I had some problems, they in return through me to this bad mortgage company ( Nation Star ) please help me to come to as smooth resolution. 
-Respectfully XXXX XXXX XXXX
I submitted CFPB Complaint # XXXX on XX/XX/2018 to request assistance with an issue we were having with our mortgage company refusing to recalculate our payment following our county authorizing a 100 % exemption from our property taxes because I am a 100 % totally and permanently XXXX veteran. On XX/XX/2018, XXXX XXXX XXXX, Director of Customer Service XXXX XXXX XXXX, responded saying the company had performed a new escrow analysis, had recaulculated our escrow and payment requirement, and would be issuing an escrow surplus check ( due to the overage in our escrow account ) in the amount of {$4900.00} within the next 5-10 business days. As of XX/XX/2018 ( 12 business days ), I have still not received this check. When I contacted the company they said they would have to check into it and would try to have the check mailed by XX/XX/2018. When I asked if, since they had not fulfilled their promise, they could have the check XXXX  to me, the representative said he could not guarantee they would do that.
I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.
XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX
To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.
CRA violation, no knowledge, inaccurate account on my Experian credit report. 
FTC ID Theft Report # XXXX
I have disputed the late payment on this XXXX  XXXX for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I paid {$2000.00} of my Paypal Mastercard XX/XX/2018. While the card issuer accepts this, as of XX/XX/2018 the amount has not been applied and I'm told it takes 7 days. This is an unnecessarily long delay since the money has been paid by my bank XX/XX/2018 and results in the bank/credit card company holding {$2000.00} interest-free and denying my use of the funds with my credit card because they keep it unavailable.
On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.
A student loan from the US Department of Education was taken out in my name in 2012. I contacted the US Department of Education about the loan and after a lengthy back and fourth struggle, they took the loan off my name.Once I obtained my credit report I noticed a derogatory mark on my name. It was from the US Departments loan that was fraudulently put in my name. Since the loan was removed from my name, all marks and wrongful accusations should be removed also. It is bringing my credit score down because of its negative remarks.
I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. 
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. 
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process
My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial
I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.
A loan processing agent explained to us that there was a " glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This " gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.
An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail. 

I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.

I have in sofar received any documents regarding the refinancing process.

Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.
I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.
This company has harassed me with calls over the course of a year to collect a fraudulent {$16.00} debt to XXXX. The debt does n't exist. I just called XXXX to make sure. In XXXX the company, I discovered lawsuits against them for exactly this thing that I 'm complaining about -- fraudulent claims that they are calling to collect small debts owed to XXXX.