WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, I have requested a short sale from Ocwen and I am being foreclosed on, due to their failure to allow me to continue with the short sale, my broker has received an offer and the whole short sale package was sent to the bank and they keep denying that they received it. 
We are now going into two weeks of back and forth with them and they have put a foreclosure sale date for XXXX XXXX even though there is an offer in place and buyer, but they refused to postpone it aside from that they refuse to do a interior home appraisal to take into consideration the value because they have over valuated the property other properties in better condition than mine and so they are saying that the offer they assume is to low I need someone to get involved although I talked with managers there intentionally for closing on my property without allowing me to finish the short sale with having an offer in place this is been going on for several weeks.
XXXX XXXX, 2016 RE : Un-Ethical Business Practices Seterus XXXX XXXX XXXX, XXXX, XXXX, XXXX Loan # XXXX Approved for {$52000.00} from Keep Your Home XXXX. Distributed to my lend Seterius Acct # XXXX Instructed by Seterus to NOT submit any payments until I receive the NEW invoice which would reflect the NEW decrease monthly payments. 
Notarized new contract XXXX 2016. 
During the reconstruct of loan, I have been invoiced showing negative balances. 
XXXX invoice had credit balance XXXX invoice had credit balance XXXX invoice had credit balance However, received a XXXX notice in XXXX this time a Notice of Default. 
We were lead to believe that funding from Keep Your Home XXXX would be applied to catch loan up current and then we would receive an appropriate invoice reflecting new payment. 
Seterus NEVER invoiced me properly, did Seterus follow appropriate guidelines in regards to processing and now invoicing me the borrow? Is this legal business practice for a lender? 
I fell behind in my loan due to a medical illness, that has left me permanently disable. Extremely stressful to be placed back into yet another stressful situation. 
REQUEST - - - I am requesting that the funding is used to COMPELTE catch the loan up to current status and then invoice me properly reflecting the new balance due. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect in XXXX of XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into tUnemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.
MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN.
Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.
I applied for a conventional mortgage. I was approved for the mortgage. I received the mortgage commitment. I was told that we would close by XXXX/XXXX/15. Late Friday evening on XXXX/XXXX/15 I was informed by the mortgage company that they made a mistake and submitted my loan as conventional when in fact it 's supposed to be FHA. As a result the purchase is now postponed another 3-4 weeks. Once I received the commitment I notified my landlord who rented out my current house starting XXXX XXXX. I now have no where to go with a XXXX year old son!
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history if these is no payment history how can they validate a debt so I am question the validity of this debt
I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on
I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.
XXXX XXXX falsely claimed to a collection agency XXXX XXXX XXXX that I owe them {$100.00} from 2015 citing an account number that is not mine. I still have a different XXXX XXXX account number with a zero balance on automatic payments. I believe XXXX XXXX is either negligent or engaging in illegal business practices to try and force me to pay them money they are not owed.
check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.
My daughter was contacted by XXXX XXXX of Worldwide Recoveries , LLC claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
Worldwide Recoveries , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
My application for an XXXX Mastercard was denied, presumably in part because of the incorrectly low credit score listed in the adverse action notice. When I called Sychrony Bank to ask for an explanation, as I have excellent credit, with a score above 830 and more than {$200000.00} on deposit in a Synchrony Bank savings account, the phone representative was unable to give any more insight as to why the bank denied my application on the basis of weak credit. 

The adverse action notice lists XXXX XXXX as the source of the credit report. XXXX is not, to my understanding, a standard credit reporting service and does not have access to information that would be standard for FICO, XXXX, XXXX, etc. The adverse action notice listed my credit score as XXXX, which is more than 150 points lower than all the scores I have been monitoring through other bank account relationships ( XXXX XXXX XXXX and XXXX for example ). 

As one of the nation 's largest banks, with reportedly more than {$79.00} XXXX in assets, it strains belief that XXXX uses only the non-conventional, non-standard XXXX XXXX to access prospective customer credit information. 

These facts suggest that Synchrony did not believe I would be a profitable customer ( in terms of spend and balances carried ), so used the XXXX pull as a means for denying my credit application. 

I am filing this complaint because I think my experience with this credit application may have exposed a bank practice by which certain customers with excellent credit are denied under the pretext that they have insufficient credit. These customers are harmed because they go through the time and trouble to apply for credit, have an inquiry made to their credit reports, only to have their applications quickly denied.
My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.
I tried freezing my credit report today XX/XX/XXXX. 
Online the company asked for my personal information - my full social security number, my address, my date of birth. After receiving all my information the website said it could n't freeze my credit. It asked me to resubmit all the information I had already given in writing and mail it to an address provided by the company. 

I tried calling the company on the customer service line through their automated system and was told they could not freeze my credit the automatic service then hung up without giving me an option to speak to any customer service agents. 

Considering the security risk the company has exposed us to they are making the situation worse by making it difficult for customers to protect themselves. 
Thanks
I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the  law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
I am a co-signer on my daughter 's student loan. I received a notice from the IRS dated XX/XX/XXXX. According to the IRS I did not report a " Cancellation of Debt '' on a student loan from JP Morgan Chase Bank. By the way, my daughter just received the same notice from the IRS onXX/XX/XXXX. I called the number on the letter and they told me it was a private loan, but that was all they could tell me. So I called JP Morgan Chase Bank and all they would tell me was that all of there loans belonged to XXXX and would not give me any information about the loan. I called XXXX and they did not show a loan for my daughter at all. I gave them the account number listed, but they said it was the prior company 's account number and was no good to them. The only way to dispute the IRS charge is to prove my daughter is still paying on the loan, but however neither company will help us. Surely JP Morgan Chase could research their records to find out what happen to the load. My daughter swears up and down she never had a loan forgiven or a XXXX What do we do?
I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.
On XX/XX/XXXX at XXXX, I received a voicemail from XXXX XXXX threatening to contact my job and speak with my supervisor regarding a case that was being filed through XXXX XXXX County courts. She also stated if I did not contact the company I would forfeit my legal rights. XXXX never identified herself as a debt collector or that it was an attempt to collect a debt. Instead she threatened to locate me if I did not get in touch with the legal department. 

I called the number that XXXX had left on my voicemail and spoke with an individual who again did not notify me that this was an attempt to collect a debt by a debt collector. The name of the company was never given to me and the individual I spoke with informed me if I didnt set up payment arrangements they would sue me for thousands of dollars for a {$270.00} debt. Out of fear I set up the arrangements immediately and was told that I would have to provide a debit or credit card to stop additional actions from being taken. I was told to contact the company in advance if anything needed to be changed for the XX/XX/XXXX and XX/XX/XXXX arrangements. 

On XX/XX/XXXX at XXXX I contacted the company to have the arrangement for XX/XX/XXXX split into 2 payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I was told that the company could only change the payment to XX/XX/XXXX. After informing the individual that I would not have enough money to cover the full payment on XX/XX/XXXX she informed me that the company would not change it beyond XX/XX/XXXX and does not cancel payment arrangements and that if I default on the arrangements I would be taken to court. I again asked to have the arrangements changed to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I was told that only legal counsel could approve that change. I requested to speak with legal counsel and immediately the call was disconnected. I called back three times and each time the call was disconnected. I called back a fourth time and someone answered, I again explained to her what I needed to do and was told again that they do not cancel arrangements after they are made. I asked to speak with a supervisor and the call was again disconnected.
I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.
I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.
I am in XXXX from XXXX XXXX and am still in college under my parents insurance. I had a XXXX done and went by myself and accidentally gave the hospital the wrong insurance card. Needless to say, the scan was not payed for by insurance and I was liable for it. It has gone into collections and I was contacted by Merchants Adjustment Services. I tried explaining what happened and gave the caller my dad 's number because I am still under his insurance. A few years have gone by and I recently noticed it was still on my credit report. I called and asked if they could send me a bill in the mail so that I could take it to my insurance company just to see if there was a shot in the dark that they would pay for it, but the MAS rep was extremely rude saying they would not pay for it and refused to send me anything in writing eventually hanging up on me. MAS is not my insurance provider and they do not make the decision as to if my insurance will help or not. I do not understand why they will not send a bill if I owe them money. If insurance can not help, that is fine I will make payments as I can, but I would like to at least explore that option.
I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.
Navient failed to communicate with me about my student loans. As a result, my loans went into default. I have since consolidated my loan, but took a hit to my credit score, in addition to interest penalties as a r esult.
The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.