WillisBack/dataset-financial-user-claim huggingface dataset:
I am the trustee of my parents estate, my parents had a reverse mortgage with Champion Mortgage. They had a credit line mortgage with no monthly payouts and still maintain XXXX dollars in equity in the home. I contacted Champion Mortgage, in XXXX of 2015, informing them of my mothers death and was told I needed to send a letter of intent and a copy of the death certificate. I sent XXXX by fax, my letter of intent stated I wished to refinance the loan. I hired an attorney who started the legal process of having me put on title. I also faxed a copy of the trust which I had to do several times as Champion stated that not all pages were received. I know this to be false as I had XXXX person there count the pages to me. My attorney had a court date in XXXX of 2015 of which I informed Champion and my attorney sent legal papers to to them. The court date was put off till XXXX XXXX 2015 of which we also informed Champion. I and my attorney received letters of default as of XXXX XXXX 2015. I contacted Champion and was told that the reason I had gone into default was that my trust was incomplete and was misssing page XXXX. I contacted my attorney and she also contacted Champion, and also was informed that page XXXX was missing.My attorney faxed a copy of the trust to their document department, and was told to have me check back in a couple of days. I checked back and they stated that they had not received the trust and the reason for default was that I had not secured funding for the refinance. I told Champion that I had contacted several mortgage companies, and was told that since I was not on title they could not help and to call back. I contacted a mortgage broker and explained my situation and my wife and I met with her. My mortgage broker explained to us that with a foreclosure listed on the property we will be unable to secure financing. I believe that Champion is trying to take advantage of this situation, I have kept them informed of the process and have been working the goal of refinancing the home. Champion new of my court date in XXXX and still filed the foreclosure knowing I would be unable to refinance. I have stated that Champion is still charging a monthly mortgage on the home and also list many fees which I do not understand what they are for. They have fees for inspections and mortgage insurance that I do not believe should be added on. My mortgage broker had me request a payoff, original copy of the note, and list of all disbursements. I contacted Champion and was told to submit in writing via fax, we have not yet received the information.. I have received tons of mail from their attorneys in Texas with the huge postal charge which I assume with added on to the mortgage. 
I have kept Champion Mortgage informed of the process and have followed their instructions all along the way. I can only assume the roadblocks they put up are so they can foreclose on the house.
I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.
I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. 

Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! 

I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. 

I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!
I paid off both of my capital one credit cards 6 months ago. 
I was charged a membership fee that I was unaware of for both of my cards in the amount of {$19.00}. 
Since I do not use these cards anymore, but left them open to build my credit, I had no idea that they were delinquent and now past due. 
Capital one didn't reach out to let me know this until 2 billing cycles had past and it was now reported on my credit as a 30 day past due which brought my score down significantly. 
I immediately called capital one and settled my accounts and they are all paid, they even removed the late payment, but the damage to my credit score is already done. 
I worked really hard to rebuild my credit and have not had a late payment in years and years. 
I feel it is unfair that my score was damanaged due to something I didn't even know was happening until it was too late. Can this please be removed from my credit?
I signed up with freecreditreport.com to get my free credit report, which they would not provide without a {$1.00} fee. Ten days later my card was charged for {$22.00} as a monthly recurring fee. When I called Experian, they indicated that I had signed up for a 7 day trial and that the charge was valid. They refused to refund my account.
Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.
I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, XX/XX/XXXX?
Affidavit of Fact dated XX/XX/2018 Writ in the Nature of Discovery stating that House Joint Resolution 192, Article I Section X of the U.S. Constitution, and Clearfield Doctrine give me a right to pay my debts in Gold or Silver for which there is no such currency in America. I have conducted a XXXX XXXX XXXX XXXX XXXX to add as evidence of their being no debt under the name used in or on this account given from Discover Bank along with a Court Ordered Adult Name Change filed as completed. XXXX XXXX XXXX has also sent a letter stating that their going to charge off the account by Grantor when their are the Obligated party to pay such debt as mentioned in my Affidavit of Fact which went uncontested For the Record that falls into Default Judgement as well.
Citibank recently initiated rules barring its business customers from certain legal XXXX sale activity. This is a non-government entity, saved from disaster by taxpayer dollars, acting as a law-making body and thereby violating the U.S. Constitution. 

As a XXXX member, I have a Citibank credit card. My choices are to cancel my XXXX membership or continue to do business with a company that seeks to restrict my rights.
I have a XXXX XXXX line of credit with Wells Fargo. I have two different lines, one with a balance that gets charged interest and a no interest special terms balance. 
The issue is with the no interest special terms balance that needs to be paid in full by XX/XX/XXXX. I spoke to a customer service rep last in XX/XX/XXXX wanting to pay off the special terms balance. I was told that any amount that I pay over my minimum payment due would be applied to the special terms balance. My minimum due was {$210.00} and my special terms balance was {$190.00}, on XX/XX/XXXX I made a payment of {$400.00} to pay off my special terms balance. 
I received my XX/XX/XXXXstatement and found that Wells Fargo applied my over payment to the interest charge balance NOT the no interest special terms balance. 
I have no way to pay off this non interest special terms balance before the due date and will be charged all the past interest. I am being set up for failure and Wells Fargo will profit on all the accrued interest.
I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.
My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they  are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the  inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
I borrowed XXXX dollars from a pay day loan company and the agreement was ninety XXXX over a period of thirteen weeks. I have since paid them XXXX dollars and XXXX cents from XX/XX/XXXX until XX/XX/XXXX. 
I gave them a call and they told me because my contract say thirteen weeks I still owe them XXXX dollars per contract. 
when I sign the contract it was done on line so it was not explained to me properly and of such I did not understand it
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for
During the loan origination process I requested the due date to be XXXX of each month. The loan documents were drawn and the date was set for the XXXX, however I was assured the due date would be changed. The date was not changed and starting on the XXXX of every month I receive numerous calls about being past due. I have requested the date be changed as promised but have been told the account is past due therefore it can't be completed. This is just a method to be able to access a late fee in the amount of XXXX. I want the due date change as promised and all late fees waived.
I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
NY Higher Education Corporation keep putting information on XXXX, XXXX and XXXX   stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago.

This is causing my credit score to drop and shows damaging information on collections I do not have.
I paid a collection with XXXX and now i have a collection on my credit report from a different company for the something that i already paid. I've tried to remove the item from my credit report but not had success.
They constantly call and ask to speak with a person I 've never met before. Despite telling them that they have the incorrect number they harass me multiple times a day.
I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from XXXX XXXX, XXXX XXXX, XXXX
On XXXX XXXX, 2016, I submitted a complaint ( XXXX ) against Experian. They have not responded to the dispute in the allotted time ( 30 Days ), nor is the information directly verified from the United States Bankruptcy Court. Experian has violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). 

Under the FCRA, the Credit Reporting Agency is required to verify disputes directly with the lender. Therefore, the lender would be the United States Bankruptcy Court. By using XXXX XXXX, a third party information provider, you have failed to verify this information. The courts DO NOT report any information to the credit bureaus other than my name, address, zip code and last XXXX numbers of the social security number. 
If you insist that you have verified with the clerk, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
If this is not removed forthwith, my next communication with you will be taking you to court and filing a complaint with the Attorney General. I am a serious person and I 'm not playing games here.
I had my mortgage through nation star when I recieved damage to my roof from a hail storm. 
I filed a claim with my insurance company and they sent a ck out to be endorsed by them and everything went as planned. Roof was repaired but in that time I sold the property. My insurance company sent me the depreciation ck which also required the endorsement but since the property was sold nationstar refused to sign or send anything to my insurance company stating that I sold the property. I was out of pocket XXXX of dollars waiting to recover my depreciation. This was at the end of XXXX here we are in XXXX. I work XXXX full time jobs but still spent countless hours on the phone over a period of many days trying to come to a solution. I 've asked them to email or fax a release form to my insurance company provided them the information needed such as numbers, email address to no avail. Very disapionted in the customer service they have provided and will never do business with them again.
XX/XX/2015 I informed Quicken Loans of XXXX Michigan that my property taxes had been reduced by XXXX by phone. The agents name was XXXX he seemed very distant on the phone like he was doing something else and said he would have a loan officer contact me. 
No one ever did so another follow up call was made and this time XXXX said he would get a supervisor on the phone. He promptly hung up on me and I immediately called back. This time I was transferred to a " supervisor named XXXX she told me that the issue would be cleared up " XX/XX/XXXX '' again ignoring my request. I immediately hung up the phone and contacted a loan agent by the name of XXXXXXXXXXXX each and every time I called I did a follow up email to QL knowing I needed to create a paper trail. 

Well XXXX did nothing for my cause so I wrote yet another email to the auditing and escrow I still have had no solution the departments at QL. The problem was they reported again ( lied ) that they paid my property taxes, again this year they always have for the 3 years I have been with them. Ever since I have been with Quicken loans insurance agent has called me concerning payment when my insurance was due last year I had to give him a Echeck to keep my insurance from lapsing. I am tired of this from Quicken loans waiting until the last minute to pay insurance and escrow due. They add to the website I view to see my payments that it has been paid but it has not. One of the employees at QL did pass on to me that they use a 3 rd party vendor to pay all taxes and insurance, without my authorization. 

The last person I spoke to at QL again blew me off XX/XX/XXXX saying it would be fixed XX/XX/XXXX if the could get my money back from the 3 rd party vendor. Included with my XX/XX/XXXX payment was a note figuring out my new payments along with the deducted tax error I have never been late with my mortgage payments with QL, XXXX or XXXX XXXX XXXX in 35 years on any homes I own. I feel as though QL does n't really care once they " have you '' under contract. No matter how high I moved up the ladder the attitude was the same. 
I was shocked when I received my mortgage statement today and opened when they almost doubled. I am very tired of QL and if they have problems paying from my escrow I will create my own escrow and pay it ... .on time with no lies. I have full documentation including cell phone logs to support what I have stated. Sorry about all the typos I can only view XXXX of this page to edit complaint form.