WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.
I have/had a loan with Citizens One Bank, XXXX, RI, Loan Number XXXX. This loan was procured for me by XXXX of XXXX, New York when I purchased my vehicle from them in XX/XX/XXXX. The loan was for a XXXX. This is one of the diesel cars that XXXX claimed was a fuel efficient vehicle and which was proved not to be and there is a large claim and settlement for this fraud on the part of XXXX. I sold my car back to XXXX on XX/XX/XXXX and I have a letter stating that, as part of my settlement, XXXX will pay Citizens One the entire balance of my loan which at the time of the filing of the claim was {$19000.00}. XXXX did indeed pay the loan on XX/XX/XXXX, and I was told by Citizens One, when I called them to confirm the payoff, that XXXX paid more than the amount due. They were going to issue a check to me for the overdue payment. I received my lien release letter on XX/XX/XXXX, but no check was included with the letter. When I called to ask about the check, Citizens One informed me that the money sent to pay off the loan had been reversed but could give no explanation. I contacted XXXX numerous times and finally on XX/XX/XXXX, and they could not give me an explanation either, only to say it would take 10 days to get me an explanation. I did n't have 10 days because Citizens One expected me to pay the upcoming loan payment on XX/XX/XXXX even though I no longer own the car. I will be filing a separate complaint about XXXX but Citizens One refused to take any documentation from me for the proof of the responsibility for this loan payoff and XXXX and Citizens One are not speaking to each other, even though I have given XXXX the contact numbers and Citizens One refused to take any information from me. A loan dept supervisor named XXXX very nastily told me that Citizens One does n't care what happened to the car, that I am the owner of the loan, and that payment was due and my credit would be adversely affected. Yesterday, I received two conflicting letters from Citizens One. One letter claiming my loan was paid off and the other letter sending me a copy of the check XXXX sent to them which was returned because XXXX apparently put a stop payment on the check. Today, I tried calling all the numbers I could find for Citizens One and their automated phone service would not respond to any of the prompts. I tried each number 2-3 times and the computer generated prompts just kept repeating the prompt numbers, press 1 for ... .etc. No matter what prompt I pressed, the message just kept playing. I have a letter from XXXX stating they will pay off my loan and now the loan is in arrears because XXXX has completely screwed up this whole transaction. I would really appreciate an intervention by any party that can assist me with getting these two entities to talk to each other and stop jerking me around. I also need that loan paid off ASAP.
On Saturday, XX/XX/XXXX, my card was declined at a business I go to regularly for a purchase less than {$20.00}. I knew my credit available for the card was several thousand dollars and when I returned home, it was confirmed. I had over {$15000.00} available credit. I called the credit card company, Bank of America, to inquire about it. I was told a data breach " at a business I may shop at '' had occurred and they had sent out a replacement card to me on XX/XX/XXXX and should have received it by XX/XX/XXXX. That is a separate issue with BOA as they should have my current address. Anyway, when I inquired as to what business had the data breach, I was informed that because of privacy laws, they could not tell me. Is this true? Can a data breach occur at a business without letting consumers know that a data breach had occurred? There were no bad charges on my card and I used that credit card for purchases 11 times AFTER XX/XX/XXXX. As a consumer, this doesn't seem right that we are not allowed to know the name of a business we use has had a data breach.
I went into Huntington bank in XXXX XXXX with a promotion code that offered {$200.00} bonus when a new checking account is opened along with a {$25000.00} deposit into a money market account. 
XXXX XXXX is the person who keyed the promotional code checked it, opened my account and said that I will get my bonus within 90 days. She also assured me that I will be assessed a monthly maintenance fee because she is going to link all my accounts together. 
I went to the bank again in about a week to confirm the day I would get my bonus of {$200.00} she confirmed that I will get it in my account by the second week of XXXX XXXX. 
Today is XXXX/XXXX/XXXX I still did n't receive the bonus, also my account is being charged a monthly fee for XXXXwo months. I called five times over the course of three months, each time I would get only the answering machine and not a live person. I left couple of messages and no one got back to me. 
I finally kept calling over XXXX times on XXXX/XXXX/XXXX to get to a representative who said that she would pass my name and information to XXXX. XXXX what same story she did n't get back to me. I called again on XXXX/XXXX/XXXX talked to XXXX who assured me that she will pass on the message and said that there may be a glitch in system and the fee can be reversed and she would make sure that she would have XXXX call me about the promotion and that she would call and confirm by the end of the day that she passed on the message. Guess what, neither XXXX nor XXXX called me back to resolve the problem. 
Called again XXXX/XXXX/XXXX, talked to XXXX, who was very rude by saying, why did I wait three months to call about the issue?? Now she is changing the story and says that I wo n't get the bonus because I did n't deposit {$1000.00} into my checking account?? 
But the code that she used is a different on. Now I know she did n't even put in the code for my promotion and telling me stupid stories to cover herself up. When I was in the bank with my {$25000.00} she was trying to talk me into opening all sorts of accounts. She is so careless as to not even linking my accounts together to avoid the fee like she assured. 
Bottom line is very bad customer service. I will not recommend this bank to anyone else and am planning to close all of my accounts. 
Thanks XXXX
Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.
Since XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXXXXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX XXXXXXXX provides an audit of all payments received from XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.
I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.
Ocwen On my credit report it shows XXXX 30 days late, XXXX XXXX and XXXX XXXX. The funds was sent on XXXX XXXX, XXXX from XXXX, and Ocwen claims they did not received it until XXXX XXXX, XXXX. They also stated that the payment was in the month of XXXX XXXX, XXXX, and I was considered late. From my understating of the law I had 30 days to make this payment, and it does not matter if it was in the same month. It was due on XXXX XXXX, XXXX, and add 30 days on top of that would make it XXXX XXXX, XXXX. For the month of XXXX XXXX. XXXX XXXX from Ombudsman stated in a letter in paragraph XXXX if I could show proof that the funds were processed by my bank and received by Ocwen on XXXX XXXX, XXXX he will change the 30 days late. I as well as other people sent him copies of proof of payment that showed it was process and accepted on XXXX XXXX, XXXX at XXXX. He is not a man of his word. I would like these two months to be changed to OK on my credit report. If there is another investigation I want someone else other than XXXX XXXX to look at my case. I believe that this man not to be trust worthy, and I have a right for another person who has not looked at my case to investigate if it comes down to it.
I hold both federal and private student loans with Navient. Since they took over for XXXX XXXX my monthly payments have been consistently applied to the wrong account adding up to multiple late fees and even affecting my credit rating.
My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.
If I could give 0 stars I would. I am so appalled by the practices of this mortgage company. We are the seller of a house and the buyer got a preapproval from them. Needless to say after 55 days under contract and 5 extensions they realized they never should have pre approved the buyer as he did n't qualify for the loan he was requesting. We did n't start getting communication from them until a week before the first closing date. They decided to extend the first closing date less than 24 hours before. During the whole process they would not return emails or phone calls unless numerous attempts where made. Who they have working for them are completely incompetent, rude, and unprofessional in every sense. XXXX XXXX and XXXX XXXX were horrible and hold no accountability for their delays and all the parties involved. They are very rude and unprofessional in what they would communicate to my realitor as well as to us. They consistently lied about where they were at in the process and would say things like " we are all set to close tomorrow. '' Then come tomorrow and another excuse and delay would come up. At one point they were asking for something on the house that had nothing to do with our house. They were searching for an excuse and reason they ( other than the obvious that they should never have preapproved him in the first place ) to come up with to blame the house and not their XXXX poor business approach of approving people who ca n't afford the loan. They stoup as low as they then became deceitful in who we are speaking with via text message. XXXX XXXX gave us his cell phone and is supposedly the Manager of this branch and he assured us when he took over the file that it would be handled better and accordingly. Needless to say it did n't get much better. He was rude and made false promises as well. When I called to get an update on the cell phone he provided us, one of his associates answered and had been responding to our texts not XXXX, whom we thought was. When I confronted them about being deceitful who we were communicating too they became very threatening and even more rude, that I caught them lying. This process should not have taken 55 days costing the buyer an inspection fee and other associated costs on a house HE COULD NEVER AFFORD!!!! We also had to pay over {$200.00} to have the HOA send over paperwork to them. Not to mention we informed our renters we were under contract and they had to vacate, assuming we would sell the house since the buyer had a PRE-APPROVAL FROM THEM!!! Un beknown to us that it was a falsified approval. This company holds no accountability for their actions and the deadline of a closing date. They cost us thousands of dollars and I do n't want to know what they costs the buyer. I would be even more XXXX if I was the buyer. I am reviewing the laws and policies on accountability of Mortgage loan companies and filing whatever I can so they can be held accountable for the money they cost buyers and sellers during this process. THIS IS UNACCEPTABLE AND WILL NOT BE TOLERATED! They Buyers name is XXXX XXXX.
This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.
I have made 3 attempts to receive documentation pertaining to the investigation that XXXX   conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Nationstar Mortgage has once more failed to administrate my loans with any competence and it 's beginning to feel like I have been singled out, perhaps because I have already filed complaints. It definitely feels like discrimination. I have XXXX loans with Nationstar Mortgage that XXXX have current complaints filed and now I have the following information from my insurance agency that Nationstar paid the insurance on my primary home # XXXX correctly in the amount of {$770.00} however on my investment property # XXXX they also paid {$770.00} for a premuium rrather than the correct amount due for that policy of {$310.00} and mailed XXXX check to the for the total to the insurance company. When contacted they informed me that I would be responsible to pay the correct amount and to obtain a refund from the insurance company. Since they have the money for the insurance that I have been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they have already drained my savings by not notifying me of an increase in the amount of both payments for several months, then billing me a large lump sum last month and effectively ruining my credit. The next step will be that Nationstar will no doubt be billing me for a shortage that they. created in the escrow account on # XXXX. No other lender has ever bungled my accounts in such a manner and I find it hard to believe that this is not deliberate and effective retribution for filing complaints. 
Following is the email from my insurance agent stating that Nationstar would not correct the issue. XXXX XXXX sent out a cancel notice for non-pay on " XXXX XXXX XXXX XXXX '' ; policy # XXXX. 
I called NationStar on Monday to find out if they have sent payment yet. They said they did and the check cleared on XXXX/XXXX/16. I requested a copy of the disbursement voucher as well as a XXXXCancelled check. Just got that this morning. 

NationStar is also the mortgagee on " XXXX XXXX XXXX ''. XXXX policies have effective dates of XXXX/XXXX/16 And XXXX sent separate bills for XXXX. NationStar paid XXXX but on the voucher which I have attached they listed The policy number the same and paid {$770.00} for XXXX. " XXXX XXXX XXXX '' premium amount is {$310.00}. 
When XXXX received the check they thought they were both for the XXXX address. 
XXXX applied XXXX to that property and then refunded you the overage. 

NationStar will not pay again on the XXXX property so I need to collect {$310.00} from you. 
Policy is in cancel status so please send as soon as possible. You will have a shortage on your Escrow account for XXXX because of NationStar 's mistake. 
Call me if you have any questions. 
XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX XXXX Fax
Rented a car from   XXXX   XXXX   XXXX   using my MasterCard to initiated my car rental using my Capital  One   MasterCard endi ng in  XXXX . I had a accident in the rental car, I decline insurance from the car rental company initially, because I believed based on what my credit card company informed me that I was covered. The claim was made to  master Card a round early part of  XXXX   2017, after I h ad gotten into a car acciden t,   XXXX   XXXX   resp onded by issuing me a claim number #  XXXX ,  XXXX  Also ask for the following documents : Car rental agreement, credit card statement and miscellaneous documents ;  Cardholder respon ded with items he had received from Capital One,  XXXX   XXXX   XXXX .   XXXX  res ponded via email with what appeared to be benefits agreement, I 've never known this agreement existed. I looked over my document after sending the first set of Documents in and discovered the billing on  XXXX   XXXX   XXXX  was not final, it state pending Charges I contact   XXXX   on  XXXX   XXXX ,  2017 for c orrect updated billing which reflects payment for the car rental ; from my  MasterCard  ending in  XXXX .  XXXX  send me a decline of my claim on  XXXX   XXXX ,    2017 st ating I did not follow the agreements set by there insurance carrier ; please contact  XXXX  regarding there dodging there clear responsibility to co ver. ( Cardholder Sincerely   XXXX   XXXX   )
My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.
I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company. 

Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX. 

I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase. 

My name is XXXX XXXX, and my email is : XXXX. 


Thanks for your time, XXXX XXXX
I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!
TransUnion was reporting an incorrect balance on my student loan for XXXX running months. I called on XXXX XXXX, 2016 to begin the dispute process. I spoke to a CSR and was instructed to fax my account balance to TransUnion with a written letter explaining my dispute. I conversely connected with the creditor and received a certified letter which reflected the correct balance. The creditor ( XXXX ) CSR notified me that on XXXX XXXX & XXXX XXXX the correct balance was sent to TransUnion however on XXXX XXXX, 2016 TransUnion is still showing the incorrect balance. TransUnion CSR is saying that they still need more documentation proving the correct balance. I would like to report TransUnion because they lack the ability to maintain accurate account balances in their system in a responsible and timely manor. Not only has the creditor provided the correct information, I have also twice provided the documentations.