WillisBack/dataset-financial-user-claim huggingface dataset:
First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.
XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .
Urgent Request Please Rush for a Credit Reporting Correction for Loan # XXXX Good Afternoon my name is XXXX XXXX   from XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Last four of my SS # XXXX  DOB XX/XX/XXXX I have been trying to get a refinance done since the month on XX/XX/XXXX on the above property which is my primary residence. In the month of XX/XX/XXXX, there was a miss payment made on the account on XX/XX/XXXX and then taken out of my account as a miss payment reversal on the XX/XX/XXXX. I went into my account to make my payment and not know because of the miss payment. I thought I was making the payment for XX/XX/XXXXbut in fact it was for XX/XX/XXXX. I was never notified of a reversed payment on my account and I continued making my payment as normal thing it was on time. On in the month of XX/XX/XXXX I get a mortgage verification stating that I have been 30 days late for the last 3-months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not to mention in the month of XX/XX/XXXX my Loan officer told me not to worry about the payments because they would be included in my payoff. Failing to tell me that if I do not close I still have to make the payments. ( Email from loan officer is attached too. I have owned this house since XX/XX/XXXX, I have not ever paid my mortgage 30 days late, I selected to do my refinance with Freedom Mortgage since you are my lender and I thought it would be faster and easier rather then going with another lender that dose not have my information. I need to finish the refinance so that I can continue the funeral arrangements for my deceased veteran mom. I have been through so much misleading information and delays with Freedom and the Loan officer that has no idea what he is doing. Every week was something new and I had to jump through hurtles to get this done and still all this time and money on appraisal wasted and nothing to show for it. Attached is the report. I really need your help with removing these 30 day lates off of my credit so I can just move on, at this point I can not even finish this refinance with no one. This is not fair that I must pay for someone mistakes please I beg you, I just want to finish this process and move on. Today I called in XXXX to XXXX and spoke to the Rep XXXX ID # XXXX  he was nice and told me about the miss applied reverse payment for 1 and half hours. I told me I need some type of resolution and that I would have to fax or email my request in writing to the credit department for a review. Till this day I have never even received a courtesy call from my old loan officers manager or anything. Loan Officer : XXXX XXXX Loan Advisor NMLS # XXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX   ext. XXXX Fax : XXXX Direct : XXXX Email XXXX Please I need a resolution to this, so my credit is not suffering I am not sure what to do. Thank you, XXXX XXXX
I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.
I have been a victim of identity theft. I requested my free report from www.annualcreditreport.com but was denied as they said I had requested one in the last 30 days which I have not. I need a copy in order to determine if any other accounts have been opened in my name illegally.
From : XXXX To : Consumer Financial Protection Bureau Sent : XXXX XXXX, XXXX XXXX Subject : Dispute of results : Case # XXXX Thanks for your help : Case # XXXX Dispute of results. 

Having reviewed your report -- -I would like to dispute the report sent from Ditech . 
1 ) They fail to state the Mortgage balance I am anxious to know -- they can not surely state that they are using the XXXX value of {$290000.00}, as they have continued to state as the true balance every time I call to try to get another agency to refinance this loan. 
2 ) I have paid always paid my mortgage on time and must have accrued some enquiry since XXXX ( XXXX to XXXX ) I did file bankruptcy in XXXX XXXX -- here the rate plunges from 6.125 % to 4.250 %, causing this Mortgage balance to reduce. 
Then also the secured balance was $ {$260000.00} -- so it can not be above that sum. 
With the adjusted interest rate to 4.250 %, this balance should be {$240.00} or less as indicated from the print out they sent to me for Ditect after -- XXXX inquirer. 

3 ) So, I am disputing their report for further information : -- - What is the true Balance of this loan? 
-- - What is the % of the loan? 
-- - Why do they continue to tell me, and list the sum of {$290.00} as the balance of this loan? 
-- - I would like the true sum to be posted, so that when ever I call or whom ever checks on my behalf will have the accurate balance. 

XXXX Case # XXXX
I have had XXXX Rewards and XXXX Rewards Club cards for many years. They are managed by Chase bank ( Chase.com ). Over the past month Chase did not allow me to see my transactions or pay my bills over the internet. I am sure they are dong this to bill me late fees as no one in the organization can answer any of my questions as to " what is going on ''. They are blocking me from their payment site. I am not sure if they discriminate against all XXXX   seniors or just doing this to collect additional fees. I appreciate any help in resolving this issue, other wise my only actions are legal discrimination suits. In the past week I have cancelled my XXXX Rewards card and most likely do the same with XXXX card.
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.
I have lived in my home for 23 years and have had an interest only with a 2nd mortgage after the last refi. Wells Fargo bought this mortgage from the refi lender over 10 years ago and I signed no papers. The process was just that I was paying this lender now you pay the mortgage to Wells Fargo and it is a 30 year interest only loan. Once I stated paying Wells Fargo I noticed the 2nd mortgage was now a credit line at interest only at 8.75 % interest. I thought this was odd. <P/>I recently got a notice from Wells Fargo that in XX/XX/XXXX the loan was going to increase .50 % and change to interest and principle. I am scared to death with this change and had no knowledge that my interest only loan would ever convert to an interest plus principle loan. <P/>I have had some major life events in the past 3 years that add a significant fear of loosing my house. My husband passed away in XX/XX/XXXX and in XX/XX/XXXX I lost my XXXX figure income job due to job elimination as their business was declining. I am XXXX years old and have secured employment but at 30 % income of what I was at before. I am making ends meet by taking on a roommate and my late husband 's social security. I am barely making on the current interest only % and will not be able to pay the ( I think - {$1600.00} ) increase. <P/>I want to work until I am XXXX and stay in this house so I can retire at the maximum social security. I have tried working with several brokers to do a refinance and distance myself from Wells Fargo based on the latest legal issues with this bank. I am concerned they do not care about any of their customers and will only take out their self inflicted losses at the expense of their other customers ( me for example ). <P/>I do not want to be forced out of my house. Is there anything you can do? No one explained to me that this interest only mortgage would ever convert to an interest and principle loan or I would have handle my investments over the years completely differently. Also quite awhile ago I got a notice Wells is requiring full payment of the credit line in XX/XX/XXXX that was a 2nd Mortgage. I never signed up for a credit line and have not used it that way. <P/>Is there anything you can do to help me?
On or around XX/XX/2018 i have submitted disputes to transunion via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there method of MOV was and who reported the information a few days later i have received a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) AND ( XXXX XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15 days! I HAD information come off of BOTH XXXX  and XXXX THAT WAS PROVED INACCURATE IF TRANS UNION WOULD DISPUTE THIS INFORMATION LIKE THEY ARE SUPPOSED TOO IT WOULD ALSO BE REMOVED FROM THEIR SYSTEM I BELIEVE THEY ARE NOT READING MY LETTERS THAT I HAVE SENT WHICH I HAVE COPIES OF AS REQUESTED AND I HAVE THE RETURN RECEIPT AS WHICH THIS HAVE RECEIVED THIS LETTER. ( XXXX XXXX XXXX ) WAS REMOVED FROM ALL FOR BEING INACCURATE EXCEPT THEM BECAUSE THEY DID NOT DISPUTE!
I have contacted the agency,  Berlin-Wheeler several times about removing the incorrect information from my credit report and  they refuse to. I have contacted the company,  XXXX   XXXX , about my account with them. They say my account is paid in full but refuse to give me anything that shows it 's paid in full or r eport it to Berlin-Wheeler a s being paid in full. I have paid this collection several years ago and they still reporting it as not being paid. I have contact the credit report agencies   XXXX   XXXX    XXXX   XXXX  and they still have n't done anything about other than it takes 30 days and it 's still working.
My Mortgage account was paid in full on XX/XX/2018. However, an automatic monthly payment was processed on XX/XX/2018 for an overpayment amount of {$1300.00}. I have called Ditech to resolve this matter and spoke with representatives and supervisors. Every time I called they explain about a different process to issue a refund check, which is not a consistent explanation. Recently, I spoke with supervisor XXXX on XX/XX/2018 XXXX ET, who promised to overnight the check and call me to confirm. Today is Tuesday XX/XX/2018 and no call nor an overnight check has been received. I called and spoke with XXXX and lead XXXX. They indicated that XXXX was ill and out of the office for 2 days. On XX/XX/2018, XXXX added he will take care of this matter. XXXX acknowledged that I have called several times and nothing was done. He will follow up and call me tomorrow XX/XX/2018 at XXXX ET to get this finalized and find out where the disconnect is. Keep in mind they do have my correct mailing address, telephone number and email address. Today is Thursday XX/XX/2018 and I have not received any response from anyone at DItech. At this time I have lost confidence in Ditech, please help me to expedite and get my money back {$300.00}
TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it.
J.P.Morgan Chase removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX. XXXX deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.
I have been contacted by  XXXX   XXXX  regarding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.
I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to the  XXXX  credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   (  Customer Service  ) e xt.  XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX  he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a   XXXX   ( Customer Service  )  told me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She  also told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Received a notice from my new monitoring service regarding an account from CONVERGENT OUTSOURCING in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC. The reporting debt of {$180.00} is a result of identity theft and does not belong to me .I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.